vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I am re-opening claim XXXX as HSBC continue to owe me the {$370.00} promotional bonus. According to their letter " you will see the promotional bonus reflected in your account within 4 weeks, provided the account remains open and in good standing ''. It has been 4 weeks and 1 day since XX/XX/XXXX and I don't see the money in my account. The account is open and in good standing but they don't do what they promise, so I decided to seek CFPB help again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
The accounts listed aren't mine. PLEASE remove them.

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 2020-01-08 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: NV

Complaint narrative:
The accounts listed aren't mine. PLEASE remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from this company.. I requested that they validate the alleged debt but they could not. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. They have been unable to provide this information and I am now asking that they remove this debt from my account.

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 2020-01-08 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: NV

Complaint narrative:
The accounts listed aren't mine. PLEASE remove them.

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 2020-01-08 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: NV

Complaint narrative:
There are a couple of accounts that aren't 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 non-monetary relief
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
There are a couple of accounts that aren't 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 2020-01-08 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: NV

Complaint narrative:
There are a couple of accounts that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: UT

Complaint narrative:
I have filed numerous reports with you about inaccurate information on experian. Tonight I was denied a car loan because - at first my credit could not be accessed because it says I have a fraud alert!!! i have tried for over a year to remove the fraud alert and experian has responded to my complaints through your company saying I have no fraud alert. Yes I Do.  The dealer was able to pull my experian credit which gave them a score of XXXX and had multiple collection reports on there that were removed by creditors on other two reports but still on experian. I am so frustrated with experian and their inaccurate and not up to date information. Last year around this same time I lost out on purchase of a car because no one including me could get past fraud alert nor could we speak with a live person

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 2020-01-08 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: NV

Complaint narrative:
These accounts are 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 2020-01-08 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: NV

Complaint narrative:
These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a KY Higher Education. {$52000.00} in auto loans in default. These accounts have been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NC

Complaint narrative:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
Today, XX/XX/2020 I received an email from XXXX XXXX   stating I had a new hard hit added to my credit report. 
It was security finance in XXXX, IL. XXXX. Phone number ( XXXX ) XXXX. I have a loan for {$1000.00}. I am 2 months behind on my payment. 
They told me they pulled my credit report because they wanted to see if I had any new creditors they could call to see if they had a phone number for me because they have called me several times and I havent answered. Which is untrue. She said she had every right to pull my credit in fact she could do it every 30 days if she wanted. She accused me of acting slow because I wasnt understanding why or how they could do that. And yet they have not reported me being 30 days late to any Credit bureaus. 
XXXX minutes prior to them doing the credit report that caused the hard hit, they called my job confirming I still work there. 
I did sign a wage garnishment if they didnt think I was going to pay them. That was the next process according to the papers I signed back when I opened the loan. 
The supervisor called me and also said they can pull my credit report if they feel its permissible. 
Im confused to why checking my credit report, that is usually asked for permission is okay with the manger and supervisor at Security Finance.

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 2020-01-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX   XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for EXPERIAN AND XXXX. I have even contacted XXXX LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now XXXX are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.

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 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want 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 2020-01-08 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: NC

Complaint narrative:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
I applied for a mortgage loan with he company New American Funding. I got pre approved for the mortgage. And started the process started. Loan officer XXXX XXXX was my loan officer going over everything I needed to secure the loan. I sent in everything that was required to be sent it. And XXXX told me I got a conditional approval. I had to wait on the underwriter to tell me what I needed. So she finally did and I sent that in and the next step was with the processor XXXX XXXX. All of a sudden things got slow it would take a day or so for her to respond. She never did let me know what was going on I always contacted XXXX and she always alerted me. On XX/XX/2020 @ XXXX XXXX I contacted her to see what was the hold up on the appraisal and she told me it would be done that day and she would let me know. XXXX XXXX then asked me if I was XXXX? As if that was a problem I hung up the phone in disbelief and immediately told XXXX of what happened. She said to me " Oh ''. I told her I don't want to work with XXXX anymore and XXXX said so you want me to find you another processor? I told her something has to get done about that. She said she was going to go pull the call. Then she said she would see if her manager could pull the call because she doesn't see anything. Then said in the meantime send XXXX what she needs so we don't slow down the process. I then expressed how I felt and told her I was getting a lawyer and then XXXX said she was getting management involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX They did not send me any notification that they were new association or that anything was even owed. 

One day I receive a lien on my house and debt collection for {$150.00}, and fees close to {$300.00} now at the collection agency. 

I call to ask why they didnt send any notifications at all and they said they don't do that. What? 

I have a very sneaky suspicion that these people have an under the table deal with this agency as I've heard from many people in my neighborhood and online who had the exact same issue. No due diligence is done to simply inform people that something is due and how to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/2019 XXXX XXXX Credit Card Debt Collector : Midland Management Amount {$3000.00} They had placed a lawsuit against me without properly notifying me of the lawsuit. I have documentation about it. I had received a advertisement from a local lawyer to represent me on the current case. That's how I found out also I contacted the debt collector notifying them that I would be able to settle the debt for {$400.00} that's all I have. I live with my parents and am married it hard for me to pay more. that would me having to become homeless due to this. I offered to settle the debt they wouldn't not agree at all. They harassed my dad with court docs as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On Tuesday, XX/XX/2018, I responded to a request of Trans World Systems Inc. ( TWSI ) for payment for this alleged debt of {$400.00}. 

I did not personally incur the debt. The debt was allegedly incurred by my adopted son, XXXX XXXX who was having some problems with the XXXX XXXX XXXX XXXX XXXX, and the said debt was forgiven by the Court, in XXXX County , Florida. 

On Tuesday, XX/XX/2018, I provided TWSI with proof that the debt was forgiven by the Court. At your request, I can provide you with the proof that I sent to TWSI. 

Once they received my response they were mandated by law, to refrain from contacting me again until they provided me with the proof that I was indebted to them. They did not. 

Now, 21 months later they have started contacting me again about the same debt. 

I submit, that when they failed to send me proof of my alleged indebtedness, they could no longer contact me about the said, alleged indebtedness. 

Also, they are also precluded from listing the debt on my credit report. 

I notified them, in writing, that I will be notifying the FTC of their attempt to resume collection of this alleged debt. 

And, if they had listed the alleged debt on my credit report, I demanded from them, that they remove it. 

Thank You. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America continues to report inaccurate information on my credit report account is being reported late

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 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Suburban credit corporations trying to collect on the debt over six years old in the state of Virginia. This is a medical bill which is out of the statue of limitations to be collected on. This has been reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX continues to report inaccurate information on my credit report account is being reported late

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 2020-01-08 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: GA

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.

Company response to consumer: Closed with explanation