vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast XXXX hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.

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 non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Service Systems, Inc.
State: AR

Complaint narrative:
This company mailed a letter about a collection for XXXX, dated XXXX/XXXX/XXXX, for {$100.00}. 
It states " ... if this account is not paid within 30 days from the date of this letter our client has instructed us to review the account and make a recommendation as to further collection action that needs to be taken. '' It does not state there are 30 days to dispute the validity. 
I have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: NJ

Complaint narrative:
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.

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 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. Capital One claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, Capital One did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I had noticed that XXXX XXXX added a {$380.00} charge from capital one on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital one on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital one account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital one! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery has illegally re aged this alleged debt. They are reporting as an open account with an open dates. Which is a direct violation of the FCRA. I never entered into an agreement with portfolio recovery. I have tried to rectify this numerous times. They verify these accounts with the credit bureau but refuse to send me their verification methods. I asked them to provide me a copy of my I.D and social security card to verify that these accounts belong to me. They have not done so. I will be forced to make this a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX XXXX whom I had no business with ). I contacted this property and was advised there was a broken lease and an amount due. I advised them of not having any knowledge of this, someone using my identity and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had over XXXX inquiries on my credit reports, had accounts attempted to be opened in my name and addresses here in Texas and California that I was I had lived at XXXX Park XXXX XXXX XXXX XXXX XXXX Tx for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX Properties via email XXXX/XXXX/XXXX to XXXX XXXX of National Credit Audit Corporation, XXXX XXXX and XXXX XXXX of XXXX Properties. I have also filed complaints with several government agencies. I have XXXX XXXX and this is upsetting me. I also have fraud alerts on all of my credit reports. I applied for another apartment and was advised to contact Resident Verify where I was advised that XXXX XXXX has a Civil Judgment against me on XXXX, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and Transunion after the police report ( that names XXXX XXXX XXXX was provided. Neither of these companies has or had ANY OF MY CONTACT INFO, my address, my email address, etc and also I HAVE NEVER BEEN TO XXXX PROPERTIES AND HAVE NEVER SIGNED A LEASE OR AM AWARE OR ANYONE WHO HAS. There were other addresses on my credit report XXXX places in XXXX and other XXXX XXXX that were removed by XXXX and XXXX. This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and they did n't have the correct email when I spoke with them. So who did they serve? Who received the info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft.All of the verifiable info supporting my truths have been disregarded and I am willing to take all legal actions against these companies and am in the process of doing so. I would NEVER have known this had I NOT applied to another apartment whom I have supplied the emails I have sent to XXXX Properties and XXXX, phone calls to the companies, Police Report, and they were advised by Rent Verifiers of the XXXX XXXX on my credit reports. This is ridiculous. I have lived in XXXX Texas for 12 years since XXXX and XXXX XXXX La from XXXX. My brother is a retired XXXX Police XXXX and has been here in since XXXX. I have tried endlessly to get this resolved before these companies filed a Judgement against ME, someone whom never received NOTICE of this until I pulled MY credit reports through Annual Credit Report, and the judgement from the apartment that I am attempting to lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: GA

Complaint narrative:
I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

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 2017-10-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

Equifax : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported.
XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax refuses to correct my Name on my credit report. I have sent a copy of my driver license, proof of resident, and my social security card to prove my name and that I am not a man. Equifax claims they never received my documents. Equifax has my name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Web Source Market LLC/DBA Collection Shield 360
State: TX

Complaint narrative:
I called on XX/XX/17 to get a better clarification on how the company 's process for disputing collections on my credit report. I could n't get through soI had to leave my number for a call back. The rep that called back did not give her name, just the company she was calling from. I had to ask her name. I went on to ask about their process of disputing. She vaguely explained and sounded irritated. I explained that I emailed and did n't get too much help in that area neither. She never expressed empathy just asked if that was all I needed. I let her know that customer service was n't up to par and asked to speak with a supervisor. She said " there is no supervisor, bye " and she hung up the phone in my face. I called back to get a different rep ( operator ). I asked how I could file a complaint and the operator stated that she could take the complaint so I proceeded to explain what happened and there was complete silence and then I heard hold music. Two mins later the operator came back on the line and said we are going to just cancel your account and then she hung up the phone in my face. My account has now been cancelled by the company because I expressed my concern about poor customer service. This is not the way a company should perform especially if they are suppose to be in the business of helping.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
To whom it may concern : On Friday, XXXX/XXXX/XXXX I received a text message from an acquaintance of mine, jokingly asking if I would be sharing with him a recently issued {$350.00} new-account bonus. I was both surprised and angered that he somehow managed to get this information. Upon asking him how he learned that I recently received such a bonus, he replied that an employee of HSBC Bank in XXXX XXXX disclosed this information to him. 

I immediately called the branch and spoke with XXXX XXXX XXXX banker who allegedly disclosed my account information to a third party without my consent, verbal or written ). I have an individual checking account with HSBC and never had anyone else on the account. Nor was I ever asked or granted permission to share my account information with anyone other than myself. 

XXXX XXXX immediately admitted to making a mistake in sharing my account information with a third party, and apologized for doing so. I was so angry that I hung up on him. I collected myself and called him again. This time he was away from his desk, but another employee promised to have him call me back, which he did promptly. 

During our second conversation, I apologized to XXXX for hanging up on him, however I made it very clear that I was extremely upset that he - or any other HSBC employee - would ever disclose private banking information to anyone unauthorized to have such information. 

Again, XXXX apologized and admitted to his mistake. His apology seemed sincere, and my prior interactions with XXXX XXXX all via telephone ) were always very pleasant. XXXX was the only employee at the XXXX XXXX branch of HSBC who always seemed genuine. He was easy to communicate with, he was prompt in his replies, he was courteous and respectful. He was the last person whom I would ever imagine doing something like this. 

I truly believe that XXXX is genuinely sorry for disclosing my information. I know he regrets doing it. In the end, him sharing this particular bit of my personal account information with my acquaintance did no physical or financial harm to me. Yet, I feel betrayed and violated, and I hope that this does not happen to another customer, with potentially much more serious consequences. 

My hope is that HSBC takes this incident as a learning opportunity for itself and its employees. I hope that some educational material is distributed to its employees for review and acknowledgement. I hope that XXXX does not get severely disciplined for his actions and is given a chance to continue to work for HSBC. I wish him the best, but I also want to ensure that other customers ' privacy is protected moving forward. 

PS - I am not sure if branch phone calls are recorded or not, but I will gladly provide the exact times of when these phone calls took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NC

Complaint narrative:
XXXX XXXX Requesting several times to provide proof of items on mortgage loan, and company will not provide the information.

Company response to consumer: Closed with explanation