vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS

Complaint narrative:
XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: FL

Complaint narrative:
To whom it May Concern, I have disputed XXXX XXXX with Transunion and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.

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 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Reliant Capital Solutions, LLC
State: MN

Complaint narrative:
I was contacted at my place of employment on XX/XX/18. I answered the call and they asked for me directly. I indicated that they were speaking to me and the indicated that this was personal business matter. I informed them that they could not contact me at my place of employment regarding personal business matters. The company is Reliant Financial Solutions and the phone number calling me at work is XXXX. They also have other numbers as well but this is the one that called me at work. They have been calling me multiple times per day on my cell phone number but will not leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: TX

Complaint narrative:
XXXX XXXX is a prepaid card I received from my employer and since the day funds were placed on card I have had problems with card. Verified address and company had it misspelled although employer submitted correct address. Tried to do online order and it was declined because of address not matching. Called XXXX XXXX and was put on hold 21 minutes waiting for a supervisor. Their telephone disconnected when supervisor finally answered.Called backand was told it takes 3 business days for a pending transaction to drop off.4 business days pass and I call them and they tell me to call back tomorrow and check likemy life revolves around monitoring them to ensure they release it. If I was told 3 business days thats what it should be.The transactions on hold are one thats been submitted several times to receive an approval.So they have been holding {$200.00} since it was deposited.

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 2018-07-19 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I have an collection account on my XXXX  credit report under Amsher Collection Services that I have been disputing this account is not mine and I have been requesting written confirmation they keep adding this account to my credit. I need proof that this is my account. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
To whom it May Concern, I have disputed Nicholas Financial with XXXX  and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: FL

Complaint narrative:
To whom it May Concern, I have disputed XXXX XXXX with XXXX  and Experian, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.

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 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX member ( XXXX ) therefore I make lots of purchases on a weekly basis, I tried in the past to open credit cards ( Chase ) on the XXXX website and every time Chase Bank deny every application so far, yesterday I did a test and worked!! I tried to open a credit card with chase on the XXXX site and the application was denied. 

Went to a different card holder company and application was approved on the spot, both applications were done on the XXXX website, first one with Chase was denied and second one with a different banking institution was approved. 

I have a Chase checking, savings and mortgage account at the moment, used to have another mortgage which was transferred to XXXX, bottom line if I have a history or pattern of been financially responsible why every time I submit an application Chase bank always deny process. 

Few months ago I submitted a discrimination complaint against Chase, They send few letters from their headquarters, in those letters They asked me to get in touch with them to follow up, I tried to get in touch with them, most of the cases nobody was available or They will always try to defend themselves saying They were no doing anything wrong. 

They also keep sending letters saying that They are doing everything correct and therefore I have no right to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I initiatied a transfer through my Bank of America account to my wife. The number entered for my wife was incorrectly entered by one digit. Bank of America apparently leverages a third party, XXXX, for these types of transactions. I sent the amount of {$550.00} to an incorrect mobile number but in the name of my wife. The recipient received the payment even though the name was incorrect. When I attemplted to cancel/ dispute the charge with Bank of America they notified me that there was nothing they could do other than ask the recipients bank to return the money as a courtesy but that there were no guarantees. There is no disclaimer of any sort on the website or when going through the process that as a consumer I would not be protected in any way if I made a simple factual error when submitting the transfer. This is an extremely misleading and deceptive practice by the banks and by XXXX and offers no protection to consumers. This should be illegal without explicitly displaying the risks associated with these types of money transfers.

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 2018-07-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This XXXX XXXX XXXX account XXXX is paid-in-full. It is closed. However, Experian CRA continues to incorrectly report the account as " Open ''.

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 2018-07-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX  have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not mine

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 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a loan with Nationstar Mortgage and my payments go through Mr Cooper. When I took out the loan for {$60000.00}, in XX/XX/XXXX, the loan was only 14 % of the total price of my home. The balance of the price of the home was paid in cash. At the time of the loan I asked to NOT have an escrow account but was told that I had to have an escrow account. In XX/XX/XXXX I called and asked to have the escrow account removed and was told that I had to have an escrow account for one year. I called back one month before the year was up in order to begin the process and was told to call back in XXXX when the year would be up. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX which would be several days after the one year. I called back on XX/XX/XXXX and was told that the one year of escrow had now been changed to 2 years. I asked for a supervisor and spoke to XXXX XXXX who told me that she would file for a waver since the 2 years was a new policy and I had been told repeatedly that my wait would only be one year. XXXX told me that she would call me back right away with an answer. However, it has been 4 days and I have recieved no calls. I have called every day trying to reach XXXX and spoken to several other people. On one phone call I was once told that the matter would be referred to her supervisor, XXXX XXXX, who would call me. However, he has not called me either. I ask for his phone number and was told that his number was unavailable. On XX/XX/XXXX I spoke to XXXX XXXX who told me that she could see in the computer data that I had been told several times that my time line was one year. She was going to try again to reach XXXX XXXX and her supervisor, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX  finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.

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 2018-07-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
This Toyota Motor Credit account XXXX is paid-in-full. It is closed. However, XXXX CRA continues to incorrectly report the account as " Open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX  and XXXX incorrectly continue to report the account as " Open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt. 
This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court. 

I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore. 

I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law. 

I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TN

Complaint narrative:
This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' Equifax and XXXX incorrectly continue to report the account as " Open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.

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 2018-07-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This is a blatant example of false, inaccurate, and scandalous credit reporting by a major XXXX XXXXXXXX XXXX. USAA FSB is reporting this account # XXXX is associated with my Chapter XXXX bankruptcy. This a patently untrue and false. This account was " Paid-in-Full '' more than a year prior to my filing Chapter XXXX. This account was paid-in-full on XX/XX/XXXX and I filed for Chapter XXXX on XX/XX/XXXX. Yet USAA has somehow misconstrued it's credit reporting by stating this account was included in a Chapter XXXX proceeding. Furthermore, USAA is stating on my credit report that this account is " Derogatory '' and in " Payment Plan ''. This false reporting is directly harming my credit rating. Please note that I paid all my creditors in full and exited Chapter XXXX in 2 1/2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
my wife got hurt at work XX/XX/2017, she didn't receive any money while she was out. we fell behind on our mortgage, we contacted SPS and  tried to work things out with them without no prov ell. Our regular mortgage payment is {$1600.00} a month and all they did is come back to us and afford us a repayment plan of {$3100.00} a month. we request numerous times for a modification and were told we are not eligible. 
we also tried to get a copy of our original mortgage documents from beneficial but they won't return any of our calls, emails, and letter, because we believe that we had a XXXX insurance in with our mortgage, and if we did out payments should be picked up by the insurance and we wouldn't behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation