vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX I contacted Consumer financial services at ( XXXX ) XXXX after being asked my name, ect. I told the woman that I noticed a collection on my report I didn't recognize after I talked to XXXX  the day before. She tried to tell me it was from cable/internet bill from XXXX at an address I didn't live at. When I told her that, she started to get louder and told me that " it was obviously my bill since they had my social security number ''. I told her that I had several accounts opened fraudulently when I was in the hospital and that this was not my bill. She then said I can submit my proof in writing but until it's resolved they with continue to report the bad debt against my credit. Then she hung up on me. 
FIN ACCTS SV Past Due : $ XXXX Chargeoff Original creditor XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My checking account with TD Bank has been closed and I need statements from the entire period it was open until closing, It was opened in XXXX of XXXX, closed sometime in XXXX or XXXX. These statements are needed for legal purposes. A request was made prior, nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Both the XXXX XXXX XXXX XXXX and my student loan servicer, Nelnet, recognized my current, legal name for one year, but Nelnet now has decided to revert to my former legal name. The XXXX XXXX XXXX XXXX still recognizes my current, legal name. Nelnet refuses to explain why they called me my current, legal name for one year. Nelnet now says they will require me to produce legal documentation of a name change, which I had already provided in the past to update my account the first time. For Nelnet to require me to provide documentation of a name change a second time would be an undue burden to me. I legally changed my name in XX/XX/XXXX. In XX/XX/XXXX I updated my name with the XXXX XXXX XXXX XXXX. I can't find in my records the exact date Nelnet updated their records, but the oldest email I can find from Nelnet with the updated name is from XX/XX/XXXX. Nelnet 's records continued to show the correct, updated name for one year. On XX/XX/XXXX, I logged in to my Nelnet account online, and I noticed there had been an unauthorized change to the name on my account, which now shows my former legal name. On XX/XX/XXXX, I submitted online to Nelnet a letter requesting a written response to the unauthorized change to the name on my account. On XX/XX/XXXX, I called Nelnet by phone and spoke to XXXX, who said that I would not be receiving a written reply to my XX/XX/XXXX letter to Nelnet, that Nelnet would not undo the unauthorized change of the name on my account to my former legal name, and then XXXX sent me an email for documentation needed to confirm your name change. On XX/XX/XXXX, I submitted a case with the XXXX XXXX XXXX XXXX   Federal Student Aid feedback system. On XX/XX/XXXX, XXXX  from Nelnet responded to my Federal Student Aid case requesting additional documentation of a name change. On XX/XX/XXXX, XXXX from the Federal Student Aid 's Business Operations Escalated Issues team also requested additional documentation of a name change. Finally, on XX/XX/XXXX, XXXX with the Federal Student Aid Ombudsman Group emailed " the initial change was done electronically. However, in order for ED-Nelnet to complete a permanent system change ; you will need to provide them with a copy of your driver 's license, social security card and/or birth certificate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CA

Complaint narrative:
there is fraudulent XXXX XXXX XXXX account reporting under my equifax reporting, and i have been disputing this inaccuracy for almost a year and half, but this inaccuracy equifax is not helping and is persistent that it must stay under my name, please i need your help to fix this inaccuracy, this is the only inaccuracy that i reporting only on equifax credit, and no one else was this stubborn to help me. 
equifax has been very much stubborn and unwilling to help, please i will be attached my police report received from XXXX police department, and the FTC report i filed online, i have submitted both to equifax several times. 
please help me i have suffocating and unable to even rent a place thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My complaint is against all 3 credit bureaus : XXXX, Transunion and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX bank since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX bank account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX   claim as a last warning in case that account still reflects on my credit reports.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is against all 3 credit bureaus : XXXX, XXXX  and Experian. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX claim as a last warning in case that account still reflects on my credit reports.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
these are accounts are fraudulent and they there old thery just XXXX up from someone else credit XXXX XXXX TransUnion XXXX XXXX   Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX XXXX : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
these are accounts are fraudulent and they there old thery just pooped up from someone else credit XXXX XXXX XXXX XXXX   Equifax Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code :  Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : 0 High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX XXXX 
I responded to XXXX, XXXX and XXXX attorney for Midland Funding, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a XXXX rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XX/XX/2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX2 ) XX/XX/XXXX -AMOUNT {$1800.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX END OF ACCOUNTS : INQUIRIES : 1 ) XX/XX/XXXX- DATE OPENEDXX/XX/XXXX 2 ) XX/XX/XXXX-DATE OPENED XX/XX/XXXX 3 ) XX/XX/XXXX -DATE OPENED XX/XX/XXXX 4 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX - DATE OPENED XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 7 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 8 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 9 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 10 )XX/XX/XXXX - DATE OPENED XX/XX/XXXX 11 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 12 )XX/XX/XXXX- DATE OPENED XX/XX/XXXX 13 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX15 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX16 ) XXXX XXXX XXXX XXXX  - DATE OPNEDXX/XX/XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX - DATE OPENEDXX/XX/XXXX19 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX20 ) XX/XX/XXXX- DATE OPED XX/XX/XXXXXX/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 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. 

I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. 

On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX   and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. 

This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX  rep adviced that i report Credence Resource Management to their fraud department for which i did. 

In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My Suntrust Checking ccount was hacked on XX/XX/2019 and {$420.00} of my money stolen using a XXXX connected account. 

I want to open a case with local law enforcment, but I need a statement of fraudulent charges from SunTrust. 

They refuse to provide this list - Even though they have a case ( Fraud Claim # XXXX ) in progress. 

Than you

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have reported the alleged account several times. I filed a police report as well. The company is constantly contacting me. They will not provide me with a signed application or a photo copy of my identification. Every representative that I have spoken to confirms that there has been several calls from another customer trying to reopen the account. By law I have the right to request certain documents from the creditor who is claiming I owe them debt. Someone used my information without my permission and this bank refuses to accept that they are at fault for this.They also sent me a letter stating they have a {$0.00} fraud liability policy which means I am not responsible for any unauthorized transactions.

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 2019-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My new mortgage company XXXX XXXX just sent us a bill of around seven thousand dollars. On the bill and over the phone, XXXX broke down why they are were charging us so much on this bill. They said the sum was made up of increases in property taxes, school taxes, home insurance and other increases that had occurred during XX/XX/2018. Which was the year AmeriHome Mortgage had our mortgage, they also said someone from AmeriHome was supposed to make sure the increases were applied during XX/XX/2018 and failed to do so. When XXXX bought out our mortgage they had to pay the surplus and now charge us. Our mortgage was not serviced correctly, and this negligence has cause this large bill to fall our shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My checking account was hacked some how. I called as soon as I saw it was not my transactions. It was with XXXX. I didn't even know what that is. The person was able to get {$250.00} out by the time I stopped it. I had to open a new checking account etc. I've waited almost 2 weeks for Chase to get back to me. I got a letter today saying after their investigations they say the amount was authorized. I DID NOT authorize whom ever this is. I have NO idea how someone could even get in my account. I've called again to complain and they say they will look into it again but acting like nothing will change. I do not have money and this is a huge amount to me. I have bills to pay. They haven't told me how it happened or anything. I need help please.

Company response to consumer: Closed with monetary relief