vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address. 
Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices. 

( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport. 

2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us. 

3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX  ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months.

m. Lease Agreement n. Paystub.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I opened an auto loan XX/XX/XXXX through USAA. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. USAA sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. USAA had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called USAA multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the USAA bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the USAA bankruptcy department that can verify this information.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Action Financial Services, LLC
State: NY

Complaint narrative:
Action Financial Services LLC continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a computer from a local computer /cellphone repair company for {$450.00} dollars. I purchased it from the owner he told me to make sure it worked when I got it home this was confusing to me but I agreed. I hadn't had time to try the computer until Sunday the XXXX. However on Saturday I received a call from the owner asking me if the computer worked with him on the phone I connected the computer and it indeed turned on. The next day I had the first chance to use the computer it was then that I realized the computer wouldnt update to any of the products that I needed if for. Because the system was outdated and wouldnt allow for updates. I immediately called and left a message with the owner stating I'd he returning the computer. 
I returned the computer the following week within 1 week. 
When I got to the store to return the computer one of the owners received the computer but said the other owner had my money for the return since it was a debit card transaction I said it so the funds should be returned to the original form of payment. When the money wasnt returned I contacted the merchant he said it was a consignment it and the owner hadnt returned his calls so he only had half of my money which he offered to give me but he wanted me to sign an agreement stating I would accept half of what he sold it for if and when he sold it no matter how much that was. I questioned him regarding no posting of the return policy. His response was well ypu should have asked me about the policy. I told him that the state of MA allows any return policy but whatever that policy is it must be posted and it wasnt. All of this was made clear to Bank of America when I disputed the transaction they denied the dispute stating the merchandise wasmt returned even the merchant didnt dispute that they have the computer the merchant also supplied there return policy which states that consigned items can be returned within 1 week. The merchant also supplied a false invoice that states consigned items cant be returned but they also supplied there return policy that they claim is on the wall in clear view of customers within this policy under merchandise you will see my claim that comsogmed items can be returned it's my contention that bank of America didnt investigate this claim they simply denied it I have all the supporting documents to send proving my claims

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XX/XX/2019 a mortgage payment was made to XXXX XXXX. The payment was deducted from my checking account balance and was forwarded by XXXX XXXX XXXX XXXX electronically to XXXX XXXX. 
Select Portfolio Servicing, Inc. ( aka SPS ) took over the servicing of my mortgage + escrow accounts on XX/XX/2019. 
SPS continued up to the time in XXXX when I re-financed my mortgage with XXXX XXXX aka XXXX XXXX. 
The Payoff Statement reported by SPS includes the " missing '' payment from XXXX, late fees and Interest that includes interest owed on the XXXX " missing '' payment from XXXX to the closing of my account with SPS in XXXX. 
Calls to the Ombudsman Dept of SPS reported to me that my supplied bank statements from XXXX thru SPS takeover in XXXX were in their data base. The computer database at SPS verifies that the XXXX payment is there, it was not late and late fees and interest due should not have been charged by SPS. 
SPS will not research the incorrect information, and will not contact me either by phone, or by mail that the " repair '' that I have requested since their takeover in XXXX has been completed, and that XXXX XXXX has received a new closing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the XXXX of XX/XX/2019, I purchase a computer from XXXX for {$530.00} and on the XXXX of the same month purchase a year warranty for XXXX. On the XXXX of XX/XX/2019, I send a payment of {$820.00} on line to Capital-one. Now a few days later I received a bill from Capital-one and I believe that I was charge twice. I immediately called Captialone and spoke with a Mr. XXXX. Later I got a request on how to send the computer back and was too late to cancel the complaint. Anyway, I did what the XXXX representative stated and all XXXX broke out. I started receiving double bills with different amount. I even went to a branch in XXXX. I just got disgusted because all I was getting was a run-around. I finally went to my bank and talked with a representative a Mrs.. I have talked with so many people that I didn't get all the names. Anyway, on the XXXX of XX/XX/2019 I was informed to collect all document and sent to him. I mail them, I believe. At this point I have been so confused that I not sure of anything. My money of {$600.00} according to Captialone is stilled. I still want to know how? The has been credit and token back so many times that I'm just a confuse as my bank representatives. Now if you could assist me in this matter it would be appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I opened an auto loan XX/XX/XXXX through XXXX. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. XXXX sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. XXXX had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called XXXX multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the XXXX bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the XXXX bankruptcy department that can verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
Upon attempting to lease an apartment in Houston after completing and graduating college in XXXX XXXX, I was informed of a collections on my credit reporting history. I took the steps in order to dispute this credit, but XXXX and XXXX   referred me to hiring a company to handle the issue. I reached a letter dated XX/XX/2019 from JSZ Financial acknowledging my dispute efforts. Attached in the letter was what appears to be a printout of what they determine the amount owed might be with no details, no original contract, and no verification of this debt being mine or unpaid. On XX/XX/XXXX, I reached out to JSZ Financial via certified mail asking for why they believe this debt is mine, the amount and age of the debt ( with supporting documentation ), and details about their authority to collect this debt. I inquired for these documents for debt verification, but only received the same incomplete, what appears to be a printout of amount owed dated XX/XX/2019. I am unable to receive a true verification of this debt as they only send me this printout despite verification and documentation requested. If there is no verification and documentation, then I have no obligation to this debt and it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For the past few years I have been almost entirely unemployed, and besides the time I was actually in college, my loans should have been under the income based repayment. I had no idea about the difference between IBR and forbearment and deferment. Instead of having my principle reduced and interest halted entirely, my student loans have increased due to deceptive behavior by Navient. Today I learned that interest should not accrue from IBR plan, and I remembered seeing an email recently about accrued interest. So I looked at my Navient account ans see DEFERMENT instead of IBR. On the IBR screen it is very tricky, it suggests I am on it because it says to contact them to exit it. All this time I thought I was on the IBR plan. It turns out, I was scammed. Also, it's not possible to proceed with IBR because it requires certifying on the site, which pulls IRS, and since I was unemployed, there are no IRS records. Therefore it can not proceed, and Navient refuses to help.

This is only the tip of the iceberg. Years ago I had returned to school thinking that, since I was unemployed, I was under a deferment or something. Turns out all were in default. So I reconsoliated with totally wrecked credit. Unfortunately, the student loan company neglected one of the loans into the reconsolidation, so years later after that I learned that that loan was still in default and my credit was destroyed. So, I solved that. Then the student loan company continued to report false information resulting in years of destroyed credit. Today one loan is left which will fall off my report in two years despite them reporting a false default which was years after I solved the reconsolidation issue that had also been their fault.

This is not even mentioning that their illegal practices and illegal  laws forbidding bankruptcy or any protections under the law for illegal moneylending practices and exorbitant interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX the following violations have been discovered and commited in fact by, Ability Recovery Services LLC. These violations include to the following : Title 15 U.S.Code Subchapter 5 : Debt Collection Practices in its entirety, Title 15 U.S. Code 1692A through Title 15 U.S.Code 1692 ( P ) ( C ) 3 and Title 15 U.S.Code Subsection 1681b, Permissible purposes of consumer reports in its complete entirety.

As these violations are in fact proven as per physical mailed evidence, I the Consumer, am entitled to damages as stipulated by Title 15 U.S. Codes 1692 K. 
on XX/XX/2019 via Notary Presentment, I have sent correspondence to the alleged debt collector and have not received a response. In the event Ability Recovery Services LLC has documents or verifies that these violations are inaccurate, I as a Consumer, demand that they verify via Sworn Notarized Affidavits so I can know the person who has handled my dispute and to state That the alleged inquiry is in fact Compliant and is not Subterfuge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I sent Diversified a cease and desist letter and to date, they are still reporting collection activity to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is crazy and unfair with me they are violating fcra laws they are rude to me tell me weve ended credit relationship this is so unfair in the past they would Close all my accounts out because of tok many now I cant have one this is not fair when they are harassing me sending me promotional emails to apply and earns miles and gas

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
DisputeLvnvFundingL.L.CreinsertedinformationremovefromXXXXXXXXconsumerfilepreviouslydeletedpursuant(A)FCRAthelawstatetheagencyshallnotifytheconsumerinwritingnotlaterthan5businessdaysafterreinsertioninformationthatmayaremaynotbeaccurateIreceivednosuchnotificationthisisaseriousviolationoftheFCRAandIreservetherighttopursuefurtheractionimmediatelyifnotremove.datereinsertedbetweenXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief