vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hello I have a Credit Card Account with HSBC. 

Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month. 

Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account. 

Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period. 

On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting. 

The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus. 

Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service. 

NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL. 

NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency. 

Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached. 
Also credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company, AD Astra Recovery Services is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Toyota Motor Credit is freshly reposting a charge-off of {$13000.00} to my credit report, inaccurately reporting a " recent '' Charge-Off ( CO ) repeatedly. A 2 year payment history is showing OK payments XXXX - XXXX and a CO at the end of XXXX in error. Any charge off would have been from approx. XXXX and I was never given an opportunity to settle this account nor did I receive any written notification of negative actions. I believe this to be an unfair business practice and would like to resolve this dispute or have it at a minimum accurately reported on credit reports. 

Unknown account number being reported : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: NJ

Complaint narrative:
First lf all my ame is XXXX XXXX XXXX.In the list months i have tried to get more credit and they denied it the. Tried to get a loan and they denied it the person that submitted the loan i asked him why they denied everything and he checked and saw the social is wrong but the name is wrong i contacted experian and they sent a report of credit number XXXX with name XXXX XXXX id # XXXX, XXXX XXXX XXXX ID # XXXX, XXXX XXXX XXXX ID # XXXX I only have only one name XXXX XXXX XXXX and one social security i dont have account associated witt no one else I never lived in XXXX XXXX XXXX XXXX Nor in XXXX XXXX place i havent lived in XXXX XXXX XXXX those are not my directions the social number XXXX, are not my socials the last time i work in XXXX XXXX XXXX XXXX was is XXXX from there from i worked as a XXXX  XXXX and for XXXX XXXX in XXXX XXXX XXXX my phone number is XXXX i havent had an account with XXXX XXXX and another bank i found on this list. I only have a credit Crd from XXXX  And XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i dont know what is the motive that this company experian has put me in these two account together When i dont have an account with these people the names of these people are common but the social are not it would be nice of you can get me out of this i have worked my credit then XXXX up to XXXX and today i found myself without credit because the company they suppose to have the information of the person that didnt do a good good with the info and have mixed the accounts of diffrent people only because of the name experian doesnt want to Fix this problem that i am in i will send a photo of my passport waiting for you to Fix this problem and a recipt of XXXX XXXX of XXXX that use for my finger print when you write back please write back in XXXX at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it XXXX concern, On a recent review of my credit report, I discovered your company, Portfolio Recovery Associates is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Portfolio Recovery Associates cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office, and the XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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:
XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE

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 2019-10-27 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:
XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX  XXXX  XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander consumer USA received a written request by me to provide me with verified documentation proving the debt and correct amount they claim I owe, which is reporting to all the credit bureaus ( XXXX, XXXX, and XXXX ) .Instead of verification of the debt they claim is mine, they sent a letter asking me to provide them with the account numbers, Bank statements, addresses, VIN number etc and until they received such documents, they are stating they can not dispute or verify my debt. If this is so how are they reporting to the bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Good evening Sir or Ma'am, please reference previous complaint number : XXXX. 
OCWEN Mortgage engaged in deceptive lending practice based upon CFPB Lawsuit filed in 2017. I feel that based upon the awsuit filed by the CFPB, I was wronged and deceived by OCWEN. As I stated in my previous complaint, OCWEN soled / transferred a past due / delinquent mortgage to XXXX XXXX. Doing this action has caused a hurtful and financial burden upon me and my family. 
XXXX XXXX has decided not to report the account to any of the three credit agencies. I am requesting OCWEN do the same ; not report the account and any information to the three credit reporting agencies. 
Thank you in advance for your help and report. 

v/r XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Uplift, Inc
State: NE

Complaint narrative:
I work 10 to 12 hour days. Today XXXX XX/XX/2019. I received 7 calls from phone number XXXX and XXXX between XXXX XXXX and XXXX pm and each time it was a robot call asking me to hold. When I did not answer it, no voicemail was left for me. When I try and call the number back it asks me to hold for an operator and then hangs up after a minute or two or puts me on hold and after 7 mins I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, I requested my free annual credit report at https : XXXX After completing the site 's form, requesting my free report from Equifax, and answering all of Equifax 's credit questions, the site said I could get my credit report. When I clicked a button to get the report, the next page said I couldn't get my report online and that I'd have to fill out a form, and additionally send my personal sensitive information by mail. The website read : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Focus Holding Company
State: TN

Complaint narrative:
a account with XXXX XXXX was opened in my name sometime in XXXX the address for this location was in XXXX tn and i have never lived in this town. ive made several attempts to fix the issue with XXXX but all have failed. ive received a collection from a collection agency and this is now damaging my credit. the address for this account was XXXX XXXX XXXX XXXX XXXX XXXX and the property is owned by XXXX XXXX ive asked XXXX to contact the property owners to verify ive never lived at this address and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: MO

Complaint narrative:
I am unable to assist anymore. I threw out all credit reports, email and passwords. 
It is just so overwhelming. No one cares that two bullies stole my identity and committed Identity Theft and Fraud. 
I am sitting in the floor. I literally own a small bag of clothing, my blanket, my two prepaid phones. This is what I own now. I am XXXX years old. I can not write anymore letters. I don't have anymore money for postage. Too much money spent on trying to help myself and the credit reporting companies just keep adding more. I submitted my identity theft and fraud report. No one wants to accept it. Because if they accept it they can not report it. My health has been put in a not so good way. I don't eat, unable to sleep, my family thinks I did all this stuff. But I did not. I have no friends, unable to attend church. I barely have a home. I have a floor to sit on. Why the government or police or someone did not help sooner is unconscionable. XXXX once again and again no more. My phone number had changed celebration. XXXX and a second number for back up XXXX. Nobody believes fraud. They just say you should pay your bills. I did and still do but my housing is coming under attack because my credit score is so low, won't have a home and with the cold coming on and no coat I won't last anyway. I do nothing but sit and cry and pray everyday. You should go help other people. I am just waiting your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems, Inc. 

XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Previous disputes of this collection has not resulted in validation of the debt referenced in this complaint nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The Company is capio partners account number they have is XXXX this medical collection has been paid by insurance. 
also there account # XXXX has been paid by insurance please investigate these 2 accounts by the same company i sure they have no paperwork and is trying to collect on a paid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Last year i got fully verifed letter from Quicken loans that said on it '' as good as cash '' then i won the bid on a Hud home on XXXX XXXX ca and then my relator told me we needed a appraisal done, the appraisal looked faulty and was told water damage in the kitchen need to be fixed and the only way was with a esscrow hold back. So i called quicken and they said they dont ever do esscrow hold backs which did seem like as good as cash. this all happen XX/XX/2018. Two weeks ago i was on XXXX  XXXX and seen it was back in the market so i called my dad who was in relastate so he could look up buyer and seller, he got realy mad ..then a few days later i whent back on XXXX XXXX and the dates all changed on buyers history and it no longer showes the date when my bid was excepted when before it said pending. 

It was first time i was ever in a postion to own and flip a house or just own and if i was a victim of dihonest practice i should be comfisated, the house has went up over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/19 I was negotiating with a seller on XXXX to purchase tickets to a basketball game. They asked me to send money via XXXX to their account. I logged on my Wells Fargo app, input the sellers information, and sent {$250.00}, which was the agreed upon price. I let the seller know I sent it and then received no further communication, nor did the seller send the tickets to me. I called Wells Fargo, and finally got to their fraud department after half an hour on hold and multiple disconnections. Several bankers transferred me to other departments, etc, and I had to call multiple numbers in order to find someone that could help. It took an additional 20 minutes to file a complaint and I was given a reference number and a 10 business day waiting period.

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