vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
I was called at XXXX and told that the collections company calling was a Credit Reporting Agency. After keeping me on the phone for over five minutes and being barely comprehensible to me, and after I figured out that they were a debt collections company, I told them to only contact me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: FL

Complaint narrative:
I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: FL

Complaint narrative:
I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I opened this account while away at XXXX. XXXX for XXXX XXXX training in XXXX XXXX, Utah in XX/XX/XXXX, the XXXX location was inside XXXX XXXX XXXX building. My credit file is showing that I opened the account in XX/XX/XXXX, which is 3 yrs old and the amount owed is {$300.00}. This is false, I have had XXXX XXXX service since before leaving Alabama in XX/XX/XXXX. This account is actually over 7 years old, and the amount owed was {$170.00} ; my credit file is showing that I owe {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC contacted me, in late XX/XX/XXXX, via text and email, regarding their concern over a fraudulent charge, from a XXXX XXXX XXXX company based out of XXXX XXXX, Nevada, on my credit. HSBC noted that XXXX XXXX claims my wife, XXXX XXXX, made the purchase. I called HSBC and verified that the charge, made late at night ( XXXX on XX/XX/XXXX ) was not made by myself nor my wife, XXXX . 

I don't even have a physical copy of the credit card, I destroyed it, as I do not use this card at all. 

The HSBC rep then credited my card for the {$190.00}. He said he would be issuing me a new card. I asked him not to mail a new card, as I don't use the HSBC card. 

Two and half months later, on XX/XX/XXXX, I received a letter stating that HSBC contacted the XXXX XXXX, who claim they did indeed fulfill an order for my address and credit card. I can assure you, as I did with HSBC, that this is a fraudulent charge. I then called HSBC and was put in touch with the fraudulent department. I believe they are in XXXX, according to my email from XXXX XXXX XXXX, Fraud Operations Manager. I spoke with 2 fraud reps who looked at my file, said they had proof of the purchase, and then refused to talk with me regarding my stance. 

My issue with HSBC is ongoing, as they reinstated the charge and since I am refusing to pay, my credit keeps taking a hit, and I am being charged late fees as well. 

I found more than 500 complaints listed on XXXX regarding the XXXX company and the same fraudulent charges occurring for them. 

I have reached out to XXXX XXXX XXXX 6 times via email. 
Fraud Operations Manager - US Fraud Operations | HSBC Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX Email XXXX XXXX responded to my first 3 emails back in XX/XX/XXXX, he included 10+ pages of XXXX receipts that I, nor my wife, ever initiated. I have reached out to him 3 times since and he has not returned my emails. 

I then mailed HSBC at their consumer affair office in New York, on 2 occasions ( XX/XX/XXXX and XX/XX/XXXX ) with my evidence of XXXX XXXX XXXX being a fraudulent company. I have not heard back from HSBC at all. 

My issue is : 1 ) HSBC contacted me regarding their concern of fraudulent charges and when I called to confirm such, the issue was handled. My account was closed, and a new account opened, with a new card - thus, in my opinion, justifying a fraudulent charge on my old card. 
2 ) Since then, HSBC has taken the word of a bogus company, with an " F '' rating on XXXX, over my word, the HSBC customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm disputing Trans-Union for not deleting my 7 hard inquiries on my credit report and not correcting my debt use any my age of credit history. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX told my that they do soft credit pulls and it won't show up on my credit report, That Fraud because it's on my Trans-Union and I told them that if it's not a soft credit pull don't run my credit because I'm trying to purchase a Town-home and on there app it says the same thing. XXXX XXXX, XXXX XXXX, XXXX, are fraud from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. XXXX. A car-salesman named XXXX XXXX. Told me that they did in-house financing and didn't run credit reports, That's fraud because he place almost 12 hard inquiries on my credit reports and they lied and harass me over and over again to unlock my XXXX credit report but I didn't. That's is fraud and harassment and it's someone on XXXX XXXX XXXX that left a similar review, they are sitting back and destroying the consumer credit report and the state of Louisiana is aiding and assisting because they are still in business. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Iv'e been disputing over and over again and I get nowhere with Trans-Union..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: IA

Complaint narrative:
This is regarding a banking institution known as the Bank of the West. I opened a checking account two months ago. The account held an appropriate balance until The COVID-19 Crisis consumed the entire world. My only source of income, the XXXX industry in XXXX XXXX CA, has been closed for the foreseeable future. There were a small number of checks written just as this virus descended on the United States. My checking account became overdraft as I have no money available to me. I called the bank directly, telling them that I would like for the account to be closed given the situation. I was told by customer service that the account can not be closed until the account is brought current. In the meantime, they are charging multiple fees each and every day for these checks. This seems unjust business practice. The country is closed down and thousands of people have lost their jobs. in fact, they have no way to feed themselves. yet the Bank of the West continues to make money on the less fortunate. Threatening that until they are paid in full the fees will continue for 45 days. At that juncture, they state that they will send the account to collection. This seems illegal and unethical. May I please ask for your help. Thank you.

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 2020-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I am facing a major issue with my credit report due to my father, brother and I having the same first and last name, previously my father has tried to apply for a car loan and it came up affecting my credit score. Today, XX/XX/2020 my younger brother tried to apply for a secured credit card and it did a hard inquiry of my credit report, please help, as I am trying to build my credit properly and these remarks keep pushing it down, I am afraid this might affect us more in the future. 
Please reach out to me I am in desperate need for help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2020-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
The last complaint we submitted was misunderstood, and misinterpreted by ARVEST. 

In the said complaint we are clearly referring to the XXXX modification, which was the consequence of the XXXX Financial Mortgage Fraud.

As we said before we will examine the loan in its detail and eventually we will contact ARVEST and this Agency in the near future. 

We have requested from ARVEST a copy of a complete History of the Loan from its Origination in XXXX until the Present. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery again has sent a debt notice they failed to send the debt back to the original creditor as I requested in XXXX complaint, instead they keep mailing debt information that isnt valid or substantiated. The debt needs to go back to the original creditor this is my second request. Additionally I never went by the name XXXX XXXX this is a former name changed legally in 2016. This may be a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CA

Complaint narrative:
Capital Management Services , LP Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: TX

Complaint narrative:
After 6 months of addressing and correcting issues arising from and identity theft issue, some of which was/is caused by the EQUIFAX data breach, countless hours navigating through an incredible cumbersome, incompetent and corrupt process, not caused by me, I finally thought I had made significant progress. I just received a response letter from Equifax, that confirms just how incompetent and corrupt the credit reporting agencies in a way that I have not been able to in this process. The letter is in response to my written request to remove the fraud alert on my report since all the fraudulent issues have been resolved and the alert has been cited as a reason for lenders to deny my credit request. I am XXXX and especially in this time of pandemic, it is become imperative that I have access to credit simply to survive and support a family. At any rate, the response letter states that EQUIFAX can not find my credit file in their database and requests the same documentation that was included in the request to remove the alert. So, after 6 months dealing with EQUIFAX and the other credit agencies, countless forms, letters, complaints etc ... they can not find my credit file? In normal circumstances this would be laughable, but when this is literally a life and death issue it is nothing more than gross negligence by EQUIFAX. Again, I'm dumbfounded that this type of thing continues to happen. I have also during this process located a written document I received from EQUIFAX stating that my information had been compromised during the data breach and I was entitled to a settlement offer. I am hoping that someone actually reads this complaint and I can finally get this horrific nightmare completed. PLEASE EQUIFAX your incompetence in these times is literally having real time negative impacts on peoples lives. Any delay in this action and I will have no other choice but to let a court decide. This company is putting peoples lives at risk by their incompetence and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.

Complaint narrative:
I am being garnished by Pioneer Credit Recovery XXXX, NY. They represent XXXX XXXX XXXX XXXX, The notice of Garnishment was sent to my old address. They started garnishment XX/XX/XXXX to my employer. I was told that they would not take my tax return as they have done in previous years since I was being Garnished. I was also told that if I put a payment plan in pace that the garnishment would stop in XX/XX/XXXX. Now they say XX/XX/XXXX. The number they refer me back to is un -manned and even before the Covid outbreak. I called at least 20 times and never could speak to anyone or leave a message that was returned and it has been 4 months. I think that my tax return should be refunded by Illinois XXXX XXXX as they took my take return with a garnishment in place as I was told. to me as I am being garnished and have a hardship payment plan in conjunction as I was told. Now XXXX knows what I should do and they say they can not help me. It is what it is. I gave permission to my mother who works is the industry and they told her the same untruth.I have XXXX small children and they have rendered me indigent, I was also told that there was no way to file a motion to ask the judge fofr a lesser payment. Now I am going to hardly working and I can not support myself and my kids.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.

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 2020-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.

Company response to consumer: Closed with explanation