vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are 3 listed unauthorized and fraudulent hard inquiries on my Experian credit report and also a fraudulent account from XXXX XXXX that has been disputed for years and also XXXX XXXX.This account was deleted and reappeared recently back on my credit file.I will be filing a legal discrimination lawsuit against Experian. As all the other two credit bureaus have deleted the unauthorized account from my file. Due to covid- 19 I have been unable to pursue this matter and now back to disputing this and having this account from XXXX XXXX deleted permanently from my file. As Experian and all the the other credit bureaus have and had on their files, that I have been a victim of fraud since 2012. My information has been exposed on the Dark Web, on other unknown sites, my identity was compromised, sociopath security number, phone number, past addresses, employer information, banking information and also my name was used to obtain goods spelled in different ways. I am requesting for the account and hard inquiries stated above to be deleted from my credit file. When my file was lock with Experian a unknown individual still was able to obtain an account in my name without my authorization via website. This issue needs to be resolved quickly as Ive been waiting for years. This has caused my credit score to deteriorate and also stop me from doing business with other merchants and bankers.Experian receives documents and denies each one of them every time. This is the only bureau that does this. See Attached below are more documents. 

Hard Inquiries : SM Bus Admin ODA- XXXX, XXXX- XXXX, 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 2020-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. Please provide validation for the following accounts as listed on my credit reports : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. If you can not provide me the proper validation remove off my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future. 
I submitted my complaint to XXXX  to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020. 
Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed. 
I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed. 
Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure. 
On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC. 

HSBC is not honest to me. It has been playing the games on my account closure. 

On XX/XX/2020, I submitted my reopen request to XXXX  online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request. 
This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management. 

I have not received any other responses from HSBC responding to my complaint reopening request so far. 

I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back. 

I attached the copies of emails and documents from HSBC regarding my account closure. 


The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for XXXX XXXX  that did not belong to me. I disputed this account with both the collection agency and Equifax, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Please review attachments Round Point Mortgage open a new loan account number XXXX, Principle and Boarding Amounts on XX/XX/XXXX. But Round Point Mortgage did not apply all said funds to the above account, when XXXX  XXXX XXXX forward and release the funds to new servicer Round Point Mortgage on XX/XX/XXXX. Missing mortgage payments was noted on payment history statements and the {$18000.00} check from Florida hardiest hit program also was not noted on the payment history statements.what happened to these funds? Also the XX/XX/XXXX loan modification agreement Round Point Mortgage applied fraudulently new money XXXX to that loan, what was that money for? And why did they make me pay and charge me for something I didnt know about?

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 2020-09-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my XXXX report, I saw that a Banana Republic/synchrony card balance had been " charged '' off. I was not aware of this account. I do have a Banana Rebublic/synchrony credit card which I am aware of and pay off monthly. The details of the account in question ( the one I was unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from Banana Republic/Synchrony that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.

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 2020-09-07 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: VA

Complaint narrative:
On XX/XX/XXXX I tried to get approved for a VA Loan to purchase a house in XXXX XXXX Colorado and was notified that a {$7000.00} loan from XXXX was put out using my information by a former friend XXXX XXXX XXXX. I have no reason to apply for this loan and when the loan was issued I was in XXXX XXXX on Military XXXX. I did not apply for this loan and need it off my credit.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a FHA Home Mortgage Loan with XXXX XXXX  XXXX  XXXX in XXXX XXXX LA. It began in XX/XX/XXXX to present. The Bank will not put my 26 year payment history on my credit report after several requests. No info is on file with the Credit Bureaus. They will not give me a mortgage payoff amount, ( $ XXXX ). I  have went into the bank in XXXX, XXXX, XXXX, and XXXX of XXXX and can not get any mortgage information. My account is current after the Deferment, due to the Pandemic ( XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX payment was made at the bank. A fraudulent {$3000.00} installment loan is on my credit report that I never applied for. The Bank sent a letter that I came into the bank in XX/XX/XXXX and opened it up. The Bank 's Fraud Unit never got back with me. An Awful LIE, I never opened this loan account. I tried to resolve these issues in XXXX and XX/XX/XXXX by phone and email. I have not heard from anyone at XXXX XXXX. Please investigate and get me resolution on my mortgage that will be paid out by XX/XX/XXXX or sooner. Thank You for your time and assistance.

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I had opened the account ( checking and savings ) with First Citizens bank on XX/XX/2020 with promotion of XXXX $ mentioned on their website. I completed all the requirements for the bonus but still the bonus has not posted. The bonus was supposed to be posted within 120 days of fulfilling the requirement. I have completed the requirements on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This company is reporting debt claiming I owe over {$1500.00}, I have disputed this debt it is not my debt, they are apparently ignoring me. I want proof that I opened this account, and the proof I owe you {$1500.00}. These junk debt buyers buy debts add stuff to it and try and collect all without even verifying the debt is vald. Their commission paid salespeople will do and say anything to collect a debt it is how they make their living. They have no clue or care whether it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I entered two bill payments from my CITI checking account using the CITI Bill pay application. I selected the XXXX icon and entered my XXXX checking account number. The payments were to be made to XXXX XXXX XXXX XXXX merchant. The funds were to sent to my XXXX checking account number. CITI claims that the funds cleared on XX/XX/2020. The funding did not appear in my XXXX   checking account. I called XXXX and they claimed that they did not receive any bill payment funds. XXXX said that I should ask CITI to reverse ( pull back ) the payments from where they were sent. I called CITI and they said that the funds had cleared so there is nothing that they could do. CITI said that they could not pull back the funds. They would not reverse the payments. Instead, CITI provided me a typed paper stating that the funds had cleared. My XXXX statement shows that the funds were removed from my CITI account. 
My XXXX statement does not show any funds received into my XXXX   checking account. Neither bank can help me locate the missing bill payment funds.

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 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
01 XXXX XXXX act # XXXX is a fraudulent account appearing on my credit profile that I have been disputing for a long time with no luck.

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 2020-09-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for LVNV Funding that did not belong to me. I disputed this account with both the collection agency and XXXX, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: WA

Complaint narrative:
I would love to know how Experian is verifying this information. 2 collection companies XXXX XXXX  and XXXX XXXX, somehow they can verify debt with experian, but now with me or XXXX  or XXXX. Both of these collections were removed from the other reportimng agencies but miraculously experian are the only ones that can verify it. I've called Experian to dispute they fight you on it, and just say its already been verified, you ask how ... crickets they just say it's already been verified. I want to know the method. Seems like Experian just take the word of the commissioned junk debt buyer, while the other bureaus actually make them provide proof. I even actually sent Experian the proof of it been removed from the other bureaus.

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 2020-09-07 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
They reported 3 loans on my personal credit reports. I wrote them a letter and call there office XXXX. Received the acknowledgment but they are not fixing my credit report. And my refinance was decline due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively. 
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog. 

TIMELINE : I got my monthly statement from XXXX XXXX  on XX/XX/2020. I noticed two charges in the amounts of {$170.00} and {$120.00} for which I have no merchandise to show for these charges. These total {$290.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX  charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not. 

On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call. 

CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {$91.00} ; {$110.00} and {$83.00} for a total of {$290.00}. 

ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, at the XXXX branch of TD bank, I asked XXXX XXXX to discontinue an existing auto-pay arrangement I had made a few years to meet my six-monthly insurance dues to XXXX XXXX. XXXX XXXX told me that TD bank would charge me a fee of {$30.00} for doing it. I declined and left. I emailed her the next day, asking her to CONFIRM that she had indeed attempted to charge me a fee of XXXX   dollars for discontinuing my standing instructions. I received two calls from TD bank ( saying " We are reaching out to you '' ), but I told them that 'reaching out ' by email was preferred, for it leaves a trail. TD then emailed me offering to " waive the fee '', but I made it clear that I was NOT seeking any favors from them. They were clearly trying to hustle me for this fee, and I suspect that many other customers would have been similarly fleeced. The fact that they offered to 'waive ' the fee does not absolve them of culpability any more that it absolves a thief who offers to return the stolen loot when caught stealing.

Company response to consumer: Closed with explanation