vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an Advance Checking account with HSBC in XX/XX/XXXX and closed it in XX/XX/XXXX. 

Since I earned more than {$10.00} interest from the account in XXXX, I was waiting for my 1099-INT. However, it has not been delivered to me, yet. 

I tried to log into online banking system to see if my 1099-INT would have been available there, but I was not able to log into online banking system. 

I was told later by an HSBC representative that I would not be allowed to log into HSBC online banking system since I did not have any active account with them. 

So, I asked two different HSBC representatives to mail my 1099-INT to me two different occasions around XX/XX/XXXX. 

Both of them insisted that HSBC 's practice would be to mail 1099-INT by XX/XX/XXXX of each year, which seemed odd to me because I believe banks are required to mail 1099-INT by XX/XX/XXXX of each year by law. 

They might have intentionally lied to me to avoid their responsibility or HSBC 's general practice may be in fact out of compliance. 

Anyway, they also insisted I should have waited few more days after XX/XX/XXXX. So, I did, but I haven't received my 1099-INT from HSBC, yet. 

I couldn't filed my tax return only because of the missing 1099-INT from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
EQUIFAX CREDIT REPORTING AGENCY REFUSED TO REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORT THE NEGATIVE ITEMS ARE XXXX XXXX   AND XXXX XXXX  CREDIT CARD ACCOUNTS AND XXXX XXXX XXXX XXXX ACCOUNT S AND ALL HARD CREDIT INQUIRIES. THIS IS AFFECTING ME. TO ACCESS MY CREDIT REPORT MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
I have three negative items on my experian credit report their XXXX XXXX XXXX XXXX account loan and rd accounts three negative accounts and XXXX XXXX  account I also filed complaint with the federal trade commission. Experian suppose to remove those negative accounts but their still on my experian credit report. To access my experian credit report my social security number is 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 2020-02-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX CB/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX XXXX/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX CBNA Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pacifically sent several dispute letters to Experian about this problem.this debt does not belong to me. They sent back a verification letters saying it belongs to me which is not true.

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
THIS COMPANY KEEPS REPORTING TO MY CREDIT FILE THAT I HAVE A DEBT COLLECTION WITH THEM, HOWEVER THAT IS INCORRECT. I ASKED THIS COMPANY BACK IN XX/XX/2019 TO PROVIDE ME WITH DOCUMENTS THAT PROVE THIS IS MY ACCOUNT, WHICH THEY DID NOT DO AND I KNOW THAT I HAVE RIGHTS TO ASK FOR THESE DOCUMENTS AS WELL AS I KNOW THAT CREDIT BUREAUS ARE SUPPOSE TO VERIFY THAT THE ACCOUNT IS MINE, HOWEVER IF THE CREDIT BUREAUS ARE GETTING THESE DOCUMENTS WHY HAVE I NOT SEEN THEM. I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY WITH DIFFERENT CREDIT BUREAUS AND THE DEBT GETS DELETED BUT THEN THE DEBT COLLECTOR ADDS IT AGAIN AS ITS A NEW COLLECTION WITH A NEW OPEN DATE BY THE SAME COLLECTOR ( THE ACCOUNT WAS NOT SOLD TO ANOTHER COLLECTOR SO HOW IS THIS POSSIBLE? WHEN IN FACT IT IS NOT. CREDIT BUREAUS NEEDS TO PAY MORE ATTENTION TO WHAT THEY ARE DOING TO PEOPLES CREDIT FILE BECAUSE THERE ARE PEOPLE OUT HERE WHO DEPEND ON THEIR CREDIT. I REFUSE TO KEEP LETTING THIS COLLECTOR RUIN MY CREDIT WITH DEBTS THAT ARE NOT MINE. I WANT TO SEE PROOF AND I HAVE THAT RIGHT TO.AFTER YOU INVESTIGATE THIS MATTER PLEASE FIND A WAY TO HAVE THIS AGENCY STOP REPORTING FALSE DEBTS THAT I DO NOT OWE. THIS COMPANY HAS REPORTED THAT T

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
I received an letter than I had to pay {$1700.00} by XX/XX/2020 and if not my Drivers license would be suspended, reason being XXXX Forwarded my account to Sentry Credit collections.. I have a receipt from Sentry credit collections that shows That I did take care of that debt, listing receipt of payment in full, with XXXX balance owed, From Sentry Credit collections on XX/XX/2020 payment in full had been made and no debt was owed as of that date ( XX/XX/2020 ) .. Sentry Credit collections Subsequently failed to notify XXXX county courts and my license was suspended improperly.. I fulfilled my end of agreement by paying in full and Sentry Credit collections failed to uphold their end of the agreement, and in fact as of now has still failed to report no debt owed. Failure to report No debt is owed, has now caused myself big problems. This failure to report no debt is owed Now Has caused my drivers license to be suspended without reason, subsequently I now received a XXXX XXXX XXXX when in fact my license should have never been suspended due to no debt is owed ... I feel that Sentry Credit collections has caused myself damages and I believe their business practices are unethical and illegal. Sentry Credit collections has not been honest in regards to reporting that there is no debt owed and Sentry Credit collections has lied to me on three occasions reporting  to me that they have notified XXXX County Courts that the debt was paid in full before the date of suspension, when in fact as of today Sentry Credit collections have not. I should have never had my license suspended and because of Sentry credit collections negligence and improper procedures they are solely responsible for damages I am now experiencing.. I am asking that Sentry Credit collections notify XXXX County court of their mistake immediately and report no debt is owed and I should never have had my license processed for suspension, that they failed to report no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I applied for an XXXX XXXX AMEX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. American Express refuses to acknowledge their illegal practices which obviously violate UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have not been able to close my account. I sent an email and was told to call the 800 number. I called the 800 number and the person told me the account was closed two weeks ago. Then I received documentation in the mail that the bank said I had to fill out. I sent it.

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 2020-02-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX of 2020 ( XX/XX/2020 ) the amount of {$890.00} was stolen from my Fifth Third Bank XXXX account and force it into a negative balance. On that same day I immediately notified Fifth Third bank of the theft and the bank agents refused to adjust the account and disconnected the call without submitting a dispute. On XX/XX/2020 ( XX/XX/2020 ) I deposited {$2000.00} to restore the account from a negative balance to avoid charges, leaving the account with a {$100.00} balance after posted transactions. Again on XX/XX/2020 ( XX/XX/2020 ) another theft of {$540.00} from XXXX XXXX XXXX company forced my account into a negative balance due to undisclosed banking activity and improper ledger book entries. I notified Fifth Third bank agents and dispute department again on XX/XX/XXXX of 2020 XXXX ) faxing to them proof of the theft by XXXX XXXX XXXX to show the improper adjustments in my account sending the account into a negative balance. I received no assistance in identifying these irregularities. Fifth Third Bank has failed to disclose to me that their contract agreements with Visa and Master Card allows vendors to access my account activity and alter my transaction history of pending and posted transactions in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
Unfortunately, I am a victim of identity theft. I was robbed a few years ago and the perpetrator took my car, wallet, and phone. Inside my wallet included my cards, license, social, etc. Since that horrible incident happened there has been several fraudulent accounts opened in my name. My credit report reveals credit cards, a car loan, apartment collections, and addresses I have never resided at and the list goes on. This is so frustrating. Can you please help me remove delinquent accounts that are not mine. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MA

Complaint narrative:
On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX  for {$170.00} I immediately started a dispute, and a temporary credit was issued. 
I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. 
How was the order placed, online or by phone? Did the expiration date and CVV code match? 
I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. 
So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. 
And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. 
So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? 
The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place at the beginning of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! I would also like to point out that on the XX/XX/XXXXXX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2019 statement. Previous bal {$1.00}, XXXX. OTHER CREDITS {$2.00}, XXXX TOTAL CREDITS for this period are the merchants credits of {$910.00}. OTHER CREDITS {$2.00}, XXXX were temporary credits so temporary credits given at beginning of investigation by USAA policy MUST be MADE PERMANET TO CREDIT THE ACCOUNT. UNLESS the fraud reported was NOT in consumers favor then USAA policy is to reverse the credit BUT IF THE CREDITS ARE INTERNAL HIDDEN NOT THE WHOLE TRUTH PROVIDED ON STATEMENT then I will need EXPLANANTION CONFIRMATION WHY the {$1.00}, XXXX temporary credits were NOT MADE PERMANET yet were reversed. All transactions that have an ( F ) in reference # ARE PREVIOUS FRAUD CHARGES NOT MADE PERMANET BY USAA BUT without making permanet these charges BECOME NEW PURCHASES??? The New Purchases that have an ( F ) in reference # ARE CREDIT REVERSALS NO PERMANET CREDIT PROVIDED BY USAA TO REVERSE THE CREDIT NOT EVER GIVEN. ALL THIS IS HIDDEN FROM MY VIEW INTERNALLY : I am a victim of ID THEFT. I will need Documentation of these Hidden Fraud Credits. Please provide in writing WHY CREDITS WERE REVERSED?? Dates of each PERMANET CREDIT TO ACCOUNT * THAT LOWERED THE BALANCE. IF MERCHANT PROVIDED FEEDBACK TO PREVENT THE CREDIT I WILL NEED THAT DOCUMENTATION FROM THE MERCHANTS. IF USAA REFUSED CREDIT I NEED THAT DOCUMENTATION WHY?? WITH PROOF IN WRITING. Because THE TRUTH IN LENDING STATEMENTS. DO NOT PROVIDE THE " WHOLE TRUTH '' INSTEAD USAA HIDES CREDITS. THIS WOULD NOT BE REQUIRED BUT USAA POLICY IS TO HIDE ALL FRAUD CREDITS INTERNALLY ON TRUTH IN LENDING STATEMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I applied for an XXXX XXXX XXXX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. XXXX XXXX refuses to acknowledge their illegal practices which obviously violate UDAAP.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I applied for an XXXX XXXX XXXX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. XXXX XXXX refuses to acknowledge their illegal practices which obviously violate UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TX

Complaint narrative:
Data completely XXXX up my report again Trying to buy a house FTC violations

Company response to consumer: Closed with explanation