vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this

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 2019-04-24 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: AK

Complaint narrative:
A XX/XX/XXXX letter I received from the credit card company stated they put this account in a XXXX XXXX and my new payment of {$39.00} would be due on the XXXX of each month until paid in full. I made the 1st payment for XXXX on the XXXX of XXXX. The 2nd payment I made on XX/XX/XXXX and the 3rd payment I made on XX/XX/XXXX, so I complied with their request for on-time payments only to find my account charged with a {$37.00} late fee for each month. I have tried to contact them to have this corrected and each time was told they would look into it but nothing has been done to this date XX/XX/XXXX and the late fees remain on my account. I have contacted company representatives for Collection Specialist on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX twice talking to collections supervisor XXXX only to get the same answer " I'll look into it '' and that's as far as it gets. The Single Point of Contact is XXXX XXXX and his # is XXXX but he has never returned my calls either but I have talked to XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( twice ) XXXX, and finally XXXX, collection supervisor @ XXXX They all might " look into it '' but that is as far as it gets. Along with the {$37.00} late fee they even tack on about {$6.00} in other fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
1. A debt collector ( ONLINE COLLECTIONS ) called me multiple times to collect a debt of around {$170.00} for XXXX XXXX. 
2. I called the XXXX XXXX and they informed me that I do not have or had any debt with them. My current balance is {$0.00} ( XXXX ) dollars. Before that the balance was in my favor because I had a security deposit which they refunded about a year ago when account was finally closed. I specifically asked about collections or anything and XXXX XXXX declined that they submitted by account to collections. 
3. I called Online Collections and asked to call XXXX XXXX together to settle the issue but they declined to make such a call and offered me to wait. 
4. I can wait, but not when I have a derogatory mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NY

Complaint narrative:
My credit rating was XXXX in XX/XX/2018 per Transunion. 

Around that time, my motorcycle was stolen. The motorcycle had an open account with XXXX XXXX XXXX. Once my insurance company paid the claim, my open XXXX XXXX XXXX account was closed in good standing. Once everything settled, I made the decision to purchase a new motorcycle at the end of XX/XX/2018 and I financed the loan via XXXX XXXX XXXX. The amount of the loan and monthly payments were nominally higher, but otherwise in the same range. Both the XXXX and XXXX loans were paid on time and neither account was ever delinquent. Further, the accounts were never open simultaneously. In other words, the XXXX account was paid in full and closed ( in good standing ) prior to the opening of the XXXX account. 

Shortly thereafter, on or about XX/XX/2018, I noticed that my Transunion credit score dropped to XXXX. I called Transunion and they said that they would not my issue, but that they can't do anything since scores are computer generated and they have no way to adjust the score. Next, I called XXXX XXXX XXXX and they confirmed that my account was never delinquent, that the account was paid in full, and that my account was closed in good standing. Finally, I called XXXX XXXX XXXX, and they also confirmed that my account was never delinquent, that I never made any late payments, and that my account is currently in good standing.

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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
americollect inc is trying to collect on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX   removed the fraud alert and then send a request to have a fraud alert added to Transunion & XXXX  by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX  where there admitting that they did this

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 2019-04-24 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: CA

Complaint narrative:
Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case  was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email. 

If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information. 

We appreciate your patience while we work on this for you. 
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
Called XXXX. Nothing can be done The account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I work part time, 3-4 days a week up to 5 hours each day. When at work i can not receive personal calls and have very limited to complete the tasks at hand to maintain my job. I have messages stacking up on a daily basis from XXXX XXXX Office of Rash Curtis and Associates harassing coworkers to get me on the phone, when either I am already on the phone or with customers, and disrupting my work performance. Complaints are being made to my superiors about these calls as they are very rude and angry to the receptionist Our phone calls are recorded and monitor so there is proof of the harassment to the people at my job. Calls are even made on days or time that I am not even in the office. I have school Monday through Friday and work in between or after school for about 18-20 a week. I leave my house XXXX to XXXX most days to just to get by and I can not afford to lose my job because of complaints to my supervisors because staff members are being harassed by someone trying to reach me when I am unreachable unless by appointment at my job,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Simple Cash Loans, Inc.,
State: CA

Complaint narrative:
So what Happened here I paid in full and can't get a release of my title from them they refuse to give it back it's been two months going on three. They are simple cash loans llc XXXX XXXX XXXX. They obtained loan Thur none truthfully actions now they been paid and not will to give back my title. They paid out XXXX and received back almost XXXX and won't even return my calls or email all they do is text

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 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: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was placed in collection on XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX  removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this

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 2019-04-24 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: FL

Complaint narrative:
xperian, XXXX and XXXX has a collection and inquiries on my credit report that is not mine. 

XXXX XXXX collection is not mine. 

inquiries reporting that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-24 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: Collections Acquisition Company, Inc.
State: MS

Complaint narrative:
I have repeatedly disputed a collection account appearing on my credit report. On XX/XX/2017. I wrote a check to the USPS. I wrote the check on an account that I had  closed. I just happens to have the old check book still in my car and used the wrong check book. Once I was notified by my local Post office, I immediately went back to the post office and redeemed the check with a money order. However they still gave it to a collection agency and it has been passed around for several years. I have made several trips to the post office to no avail. I have called the toll free number and gotten no results. I have called the collection agency listed and they will not remove the incorrect information. I have disputed with all three credit reporting agencies with no positive results. My credit score suffers and I am repeatedly denied credit because of this. Please assist me in resolving this matter that has persisted for several years now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
I have asked on multiple occasions for this company to not call me or leave voicemails. I still regularly get calls and threatening voicemail messages which I have saved starting afert the first time i made the request. When I have called back to escalate to a supervisor to again make sure the calls cease I have beem hung up on more than once!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
There have been several unlawful and unauthorized usage of my credit card from USAA towards the end of XX/XX/XXXX. I made several attempts for USAA to correct this but it did not.I continued making payments on XX/XX/XXXXXX/XX/XXXXand somehow someone withdrew the same amount that I have made and USAA has not properly and completely credit my account. This unlawful and unauthorized transactions continued during the months of XX/XX/XXXX after a payment had been made by me. And since my account had not completely credited, USAA continued to pile up all sorts of fees on my account and also failed to credit my account. On XX/XX/XXXX, after I made several calls to USAA in an effort to have my account be corrected, I called in to cancel my account due to those unlawful and unauthorized charges. In fact, even after such an account was closed, there were additional unlawful and unauthorized activities in my account, USAA claimed that such an account had been used in XX/XX/XXXX. And as a result, my account is completely botched up and it is hard to know what's due on it. Although USAA and I do communicate and are trying to resolve the matter, I do believe that they have also been charging me and assessing unlawful fees into my credit card account, such as charging me on previous billing cycles, among other charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : logging in using my Personal ID and password, only bus accounts show on screen. I'm told the accounts have been " melded ''. This is without any input from me. I'm given a case # XXXX and told someone would get back to me in 48 hours. First lie : no on ever gets back to me, trying to get an explanation is impossible : phone tree and robot akin to waterboarding, then when finally in queue, no one answers the phone for over 20-30 minutes.This happens countless times. 

On XX/XX/XXXX, while at a conference in XXXX I get an e-mail ( copy enclosed ) that makes me panic, they've deleted my bill pay from my BUSINESS ACCOUNT. Try to find out about this and have same exp as above. This e-mail turns out to be totally wrong! I have no idea what they're doing. 

On XX/XX/XXXX, I go to BoA XXXX Branch, speak to XXXX XXXX, mgr who says he will look into it. He responds on the 11thXX/XX/XXXXthat " they '' said they didn't need to get back to me because they " fixed '' it in two days. No explanation of what they're doing to my accounts. Are they melded or not? He forgets to bring up the e-mail. I get another Case # XXXX, which they never respond to. 
XX/XX/XXXX, I log into my account using Personal User Name and Pasword and the screen is exactly the same as it was on XX/XX/XXXX. -only my bus accounts, no personal account showing. I'm harangued by Mr XXXX, who insists I am logging in with my Business user name and password, because " they '' said I was. I send him a video that shows " they '' are again wrong proving " they '' don't have a clue. 
XX/XX/XXXX- I change my Personal password again, I log in and finally have my personal account showing, but now my Business Checking doesn't show which means I can not transfer funds between my Personal and Business accounts. As of today, that's how it remains. 
I have also been told that they have the wrong tax ID for my Business account, but since it is impossible to get any answers or believe anything they say at this point I am reaching out to you. 
When does their sloppiness cross the line into malfeasance?

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