vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
This is a follow-up compliant to one I sent in XX/XX/XXXX. The bank replied in XX/XX/XXXX and that reply was unsatisfactory. I attempted to reach out to the bank and left a message for the person who signed the response letter. I also added feedback on the original complaint, which has also gone unaddressed. I have attached the complaint and accompanying feedback as well as the original response to this complaint. I have also attached my transaction history since XX/XX/XXXX when I thought that I had paid in full. 
In XX/XX/XXXX I called to make the payment and XXXX out the account because I was fed up dealing with the bank. The accepted my payment and I thought I was finally done, but nope not with HSBC. The continue to charge me returned check fees for payments that they are trying to remove from a bank that has been incorrect since XX/XX/XXXX or XX/XX/XXXX. They have been repeatedly told this but refuse to delete the bank account and instead try to take money from it causing returned payments and subsequent fees. The calls that I have had with the bank have been nothing, but headaches and I refuse to deal with them directly any longer. 
I want the account marked paid in full as of my payment in XX/XX/XXXX and the fees that have accrued since. Additionally, since I dont owe these fees I want my credit report updated to reflected the paid in full in XX/XX/XXXX and the delinquencies removed. I would remove the bank account myself, but since the credit card account is closed the ability to do so has been removed ( or at the very least I do not know how to do it and no one has told me ). I would be willing to pay the current balance just to be finished with the bank. However, I would only do that under two conditions. 1. I receive assurance in writing that no further charges will accrue on my account and 2. My credit report is updated to remove all delinquencies back to XX/XX/XXXX. This is not intended to admit that I owe these fees. This is clearly a bank error, or perhaps it is intentional to get more revenue, regardless I want to be done with this headache and move on. The correct resolution that should occur is the fees waived/removed and the delinquencies removed and my credit report updated as paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
This complaint concerns the inability of the bank to communicate with its clients concerning its fraud examination and claim determination process. We are concerned that mishandling of our complaints is evidence of widespread disregard of the bank 's obligation to its customers and should be examined on a systemic basis.

Our underlying claim involves several unauthorized debits on our debit card. When we discovered them we asked the bank to cease the debits and investigate the fraud. They credited our account, then after " investigation '' withdrew the money. They never advised us how the debits were authorized, they only told us that our account usage reflected the fact that we must have known ( and therefore authorized ) the debits. After 2 requests for reconsideration directly with B of A which were frustrating and not fruitful we then filed a complaint here. 

We were contacted by XXXX XXXX in B of A Compliance on XX/XX/19. I explained our issues and concerns and she said she would get back to me. B of A issued a letter dated XX/XX/XXXX claiming to have resolved our claim and credited our account with {$460.00}. The letter does not explain how they resolved our claim. We do not know whether they reversed their their previous decision that the debits were " authorlzed '' We do not know how they determined the amount of money they credited to our account. Their assertion that the claim was resolved was hollow. 

Ms. XXXX called left me a message telling me that the claim was resolved on XX/XX/XXXX. I returned her call that day, and in fact tried her twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX and once today on XX/XX/XXXX. She has not returned my call. I have no more information than I had prior to filing my initial claim. This can not be an acceptable banking practice.

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 2019-12-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, navy fcu, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, one main, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: AR

Complaint narrative:
Equifax will not remove paid collections from credit report even though XXXX has already done so. I have a letter from the collection agency " pay to delete '' stating that they have submitted my collections to be removed from all three credit reporting agency since they are all XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, bank of america XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 monetary relief
Consumer complaint received 2019-12-19 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, XXXX XXXX XXXX td bank/targetc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
For the last year, I have been making multiple additional principal payments to my Carrington Mortgage Account which are then being misapplied by Carrington Mortgage as monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Service Bureau, Inc.
State: IA

Complaint narrative:
I contacted General Services Bureau on XX/XX/2019 concerning a medical debt that I had been paying off. I called to confirm the amount owed on the debt. While on the call I was notified that there was another medical debt that the company had on filed that remain unpaid. I was unaware of this debt and have not been provided any notification regarding this debt. The customer service contact provided me some basic information and it was at this time that I requested more details to verify the debt owed. I informed the customer service agent that I currently reside outside of the U.S. and was informed that they couldn't send mail outside the U.S. I then requested for the information to be emailed to me which I was told that the company does not send emails or faxes. I requested to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I informed XXXX that I was unaware of this debt, that I was disputing the debt, and that I was requesting additional information. XXXX informed that they couldn't provide me any information to an international address. I informed XXXX that under FDCPA I have a right to request this information. He indicated that the FDCPA doesn't mandate that they send to international addresses. I asked him what I was supposed to do since they won't send it to me by mail or email. He said they couldn't send it to me because FDCPA isn't the only rule they have to abide by. They also have to follow HIPPA regulations. I informed XXXX that HIPPA regulations do not prevent the use of email and this was a company policy direction by General Services Bureau. XXXX refused to work with me and the call was abruptly ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was unable to request a security freeze with Experian. XXXX and XXXX  were easily able to fulfill my requests.

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 2019-12-19 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-19 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: MN

Complaint narrative:
I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times.

The account has been closed after the dispute.

What I am disputing is XXXX  's reporting method.

Before the most recent dispute I was at a XXXX on my credit score.

After this company fraudulently reported information to my credit report it changed to XXXX.

After the dispute was approved and found in my favor my score changed to XXXX.

This issue has cost me dozens of points in my score and is not the first time that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: MN

Complaint narrative:
I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is XXXX XXXX reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.

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 2019-12-19 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: MN

Complaint narrative:
I am filing a complaint with you in regards to Experian. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is Experian 's reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.

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 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Brock & Scott cancelled a foreclosure sale XX/XX/19 and told the CFPB that it did so. 

It is still listing the foreclosure sale on the following sites : http : XXXX https : XXXX https : XXXX I have asked the debt collector to confirm the cancellation and have yet to receive a response. The sale was cancelled because the foreclosing party did not have the legal right to foreclose. 

The debt collector has informed no one that the alleged debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
This complaint about Money Gram.on XX/XX/XXXX I did sent {$1000.00} to XXXX XXXX ( to my wife ) from XXXX XXXX XXXX. 
The reference number is XXXX. 
My wife ( in XXXX XXXX ) went to money gram agent and requested the money I had sent under the above reference number but the agent in XXXX XXXX says there is no money under the reference number. Then I called ( several times ) to money gram agent and asked what happened then agent said they want to investigate ( or find out ) who is the receiver and gave some phone numbers to contact from XXXX XXXX but non of the numbers are not working and all the money gram agent my wife went were saying the numbers have given not working and further said the money gram trying to hide something that do not want to tell us. 
I did called several times to money gram and one agent says they want to give my personal information to the government body hear in US then I gave my all the information to the money gram, after that they say they want to do same thing with my wife but never give correct phone numbers or address to contact in XXXX XXXX. 
Money gram involves with this complaint. 
I have sent money through money gram since last four year never expected like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NC

Complaint narrative:
back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A charge was submitted twice for the same stay on XXXX. 
XX/XX/2019 {$170.00} XX/XX/2019 {$170.00} The amounts differ slightly ; perhaps this was a fraudulent attempt to make it appear that both charges were legit. It made it difficult to file a complaint via the Chase Website, but I did anyway. 
Chase has ignored my online complaint, and two additional reminders I sent with my paper bill payments. The account is current, and I've stopped using the card, but they are adding penalties that falsely claim I'm behind on payments. 
Thank you for your assistance!

Company response to consumer: Closed with non-monetary relief