vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I CALLED TARGET ON XX/XX/23 TO REPORT MY CARD LOST/STOLEN WHEN I WAS TRANSFERRED TO AN AGENT I ASKED TO SPEAK TO FRAUD THE AGENT SAID HOW CAN I HELP YOU, I SAID I WOULD LIKE TO SPEAK TO FRAUD, SHE THEN REPEATED THE SAME THING, I AGAIN TOLD HER I WANTED TO TALK TO FRAUD AND SHE GOES I AM FRAUD, I INFORMED THE REP THAT I DID NOT KNOW THAT BECAUSE SHE NEVER TOLD ME SHE WAS FRUAD THE AGENT THEN DISCONNECTED THE CALL I SPOKE TO THE SUPERVISOR AND SHE SAID OH I WILL FILE A COMPLAINT AND SHE WILL GET TRAINING. I TOLD HER NO SHE NEEDS TO BE TERMINATED, THE SUPERVISOR THEN DID NOT ADDRESS THE PHONE CALL TO BEGIN WITH AND I HAD TO TELL HER WE ARE NOT DONE. TARGET NEEDS TO STOP HIRING EMPLOYEES LIKE THIS. THE SUPERVISOR REFUSED TO REVIEW THE CHARGES ON THE ACCOUNT AND TOLD ME SHE CANT HELP ME AFTER VERIFYING ME WITH A ONE TIME PASSCODE THEREFORE WE HAVE NOT BEEN ABLE TO TAG ANY CHARGES AS FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: GA

Complaint narrative:
They have called me XXXX times within a XXXX  day period. Often times they would call XXXX times in a row. I was previously with XXXX  and then XXXX was sold to them for them to handle debts. If SST was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and XXXX never did this. I was drawn to the easy use of the website of XXXX and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Enhanced Recovery CompanyXXXX ( ERC ) From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 
By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Experian. Experian you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Experian was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions for Experian to furnish anything.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed many times with Experian To respond to me and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtor 's full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from ( EXPERIAN ) lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ) .As you know, it is also a violation of the FCRA XXXX report inaccurate or unverifiable information on a 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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I logged into my HSBC online banking account on XXXX. After the bank verified my identify via text message to my phone, they came back with an error message asking me to chat with one of their customer service reps. 

The rep informed me that they had transferred my account to XXXX XXXX  in XXXX. It was the first I had heard of this. HSBC had sent regular monthly emails to my email address through XXXX informing me that my e-statements were available to view. At no time did they inform me by email or phone that my accounts would be moved to XXXXXXXX XXXX. The customer service rep simply gave me an XXXX number to call XXXX XXXX  if I wanted more information. 

I expressed my incredulity that HSBC had done this without notifying me. Upon further investigation, the customer rep informed me that HSBC had actually closed my accounts and sent my checking and savings account balances to the State of California as unclaimed funds. Again, at no time did HSBC contact me via my email address or my phone, both of which they had on file and were still current in their systems. I had moved my physical address within XXXX XXXX XXXX, California several years ago. The rep claimed that HSBC may have sent mail to me at my old address, in spite of the fact that HSBC had encouraged me to shift to e-statements and e-banking instead of physical mail. 

The fact that HSBC can unilaterally close or transfer accounts with minimal or no effort to notify their customers is frankly unbelievable to me. I am now in the process of attempting to reclaim my funds from the State of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NM

Complaint narrative:
Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2023, my partner and I attempted to apply for a mortgage loan and discovered that National Credit Systems had placed a collection mark on my credit report which I was unaware of prior to that date. I attempted to talk to the company over the phone several times regarding this debt to find out more information and possibly negotiate a good faith deletion but was told repeatedly that the person I needed to speak with was unavailable and the person I did speak with refused to assist me in any way. I checked my records and found that ( as of the time of this complaint ) I have not received any documentation regarding this debt, including any Letters of Validation. In response, on XX/XX/2023, I mailed a Request for Verification letter to the company via certified mail and verified that they signed for and received this letter successfully on XX/XX/2023. From what I have understood, according to the FDCPA, a collection company is required upon receipt of this letter to cease all attempts to collect this debt and remove the negative mark on my credit report during the 30 day period that they have to provide proper documentation on this supposed debt. I emailed the company on XX/XX/2023 to follow up on the Request for Verification that was sent but have not received any replies to that email or calls or letters whatsoever. At this point, there has been no validation of this debt and my ability to apply for a mortgage is being held hostage due to this company 's unresponsiveness and failure to comply with federal law. I have documented proof of the actions and dates of the events mentioned herein and am requesting assistance with getting this resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE.

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE. 

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, 2022 XXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed two additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to XXXX XXXX XXXX on XXXX XX/XX/2022. I also received a letter from XXXX XXXX dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from XXXX XXXX XXXX. On XXXX XXXX I received a letter from Associated Credit Services saying that I still owed the debt. I contacted ACS on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from ACS later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
I am a HUD Certified Housing Counselor and submitted complete documentation for the Homeowner I am assisting, XXXX XXXX XXXX to be reviewed by his Servicer, LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare as part of XXXX XXXX Foreclosure Avoidance program verifying that the document package was complete for review. LoanCare has exceeded the CFPB guidelines for Loss Mitigation review of 30 days to make a decision. 
As of XX/XX/XXXX, the Homeowner received a Letter stating that LoanCare was " Pending Investor Approval '' LoanCare has continued to call the Homeowner during this time with the collector stating that there are no documents submitted for Loss Mitigation review, or to the Homeowner Assistance Fund program in Oregon where the Homeowner is in the Underwriting Stage, and shows that the state of Oregon has reached out to LoanCare requesting documents. 
This ALSO is a violation of CFPB Guidelines.

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