vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
XXXX XXXX sent me a letter 3 months ago saying I owed {$6000.00} on debt that I made payments from XXXX to XXXX and that I still owe {$6000.00} and that if I can pay them {$2900.00} immediately that would take care of it I threw and I thru the letter away. They called last week demanding I pay this money immediately or they're going to take my house and car they also name dropped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in trying to shame me into paying. They ( XXXX XXXX XXXX said it was a credit card through HSBC XXXX and when I called HSBC they informed me that they have no record of anything. It's been too long and it's been dropped. These people are scammers and won't leave me alone please help they took pictures of my house with me and my car I caught them one day they know what kind of car I drive and they threaten to take it from me it's a XXXX  XXXX and they mention that specifically so anything you can do would be a great help thank you so much please get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

Complaint narrative:
They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud

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 2023-02-13 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: TX

Complaint narrative:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact Experian regarding the inquiries and they have failed to remove all of the unauthorized inquiries. This is my last attempt, I am demanding the removal of the remaining inquiries I have listed on the ftc report.

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 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
They call me several times a day, I say hello and they say nothing. They hang up on me. I searched the number finding out it was American Express. Tried to resolve this with them, yet Im still being called and hung up on by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I fell behind on mortgage payments in XXXX for several reasons, the main being a hit and run car accident and XXXX. I contacted USBANK ( the mortgage holder ) to try and work out a plan to catch up with payments, and they put me on a plan that increased the monthly payments for 3 months to cover the months that I missed. This was a bad plan, as I did not have these larger payments in my budget, so I started spiraling in debt. I contacted XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), received counseling, and they got me set up to apply for the MD HAF program. I officially applied for MD HAF on XX/XX/XXXX, and I called US BANK to let them know. MD HAF officially accepted my application on XX/XX/XXXX. On XX/XX/XXXX, the MD HAF portal showed that my application was with underwriting and they had sent a request to USBANK for more information. I called USBANK to confirm that they were sending requested documents, however I was told that they ( USBANK ) had received communication from HAF and that they ( USBANK ) was proceeding with a foreclosure. I received an NOI in the mail. I contacted USBANK many more times between XX/XX/XXXX and XX/XX/XXXX - always the same conversation - Me telling them that MD HAF is in underwriting, and them telling me that my house is in foreclosure. They hired a foreclosure attorney. I spoke with a representative from HAF on XX/XX/XXXX, who told me they have sent document requests on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still have not received the requested documentation. USBANK is pushing through a foreclosure while I am trying to get housing assistance, and they are not complying with MD HAF requests.

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 2023-02-13 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 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: VA

Complaint narrative:
Transunion has been contacted several times and I have put in several disputes of the inaccurate information reporting in my public records a dismissed XXXX XXXX bankruptcy from XXXX Transunion never verified this information they just keep coming back stating it was verified and they are failing to do so court gave me a copy of document 41 that clearly states the bankruptcy from XXXX  was dismissed and not added to the record I just want transunion to report the correct information it was a XXXX XXXX bankruptcy that was dismissed. Transunion has the documentation but they are failing to update my public record and Transunion is the only credit bureau that is refusing to fix their error.

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 2023-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-13 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened a checking account with M & T Bank on XXXX. I have made a series of deposit from that time until XXXX. Since that time, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted and to wait for somebody to contact me. A compliance officer from M & T contact me on XXXX requesting documentation showing the source of those funds. I provided the information on the same day, clearly explaining and detailing the transactions supported with credit card statements. That officer, ( XXXX, XXXX XXXX ), subsequently emailed me to say that the restraints on my account were lifted. However, that was not true as I still can not access my funds. 
Subsequently, I received a follow-up call from " XXXX, XXXX '' XXXX asking about the same case. I referred her to my email thread with XXXX, but she then told me she can not help and that I had to go to a branch. That's full circle as I started at a branch! That email was on XXXX. I have since contacted the branch multiple time. Spoke with XXXX XXXX multiple times. She can not get a response from whomever needs to review this case. 
At this point, I just need my money back.

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 2023-02-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-13 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I changed bank account and forgot to change payment information. as soon as I figured it out I made a payment right away, and then made a payment days after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I returned a rental vehicle after hours to XXXX XXXX XXXX. Immediately after, the truck was stolen and missing for XXXX days then recovered by XXXX. As a result of this, XXXX charged an additonal {$2400.00} to my Capitol One bank account. I had also purchased the waiver that protected me from theft and " loss of use '' charges. During the XXXX  days the vehicle was missing, XXXX made NO attempt to contact me regarding the vehicle being overdue. I had no knowledge of this incident until a XXXX tow truck driver called me on the XXXX to inquire about the missing keys. 

I filed a dispute with Capitol One ( twice ) but because XXXX provided a fabricated receipt, they did NOT reverse the charge. 

I also contacted local authorities in regards to the theft but because the vehicle was not in my possession at the time of the incident, I could not file a report. XXXX would have to do it and they have refused. 

XXXX has also refused to honor the waiver I purchased because I did not make arrangements with the location for the after hours drop off. XXXX considered this a violation of the terms and conditions and voided the waiver. However, XXXX also made it *impossible* for me to follow through on this because I made MULTIPLE attempts to contact the location over the course of XXXX days and no one ever answered. Their neglect was the reason my waiver was voided. 

I followed all of XXXX 's posted instructions for an after hours drop off. The vehicle had no evidence of a break in so its clear the keys were still able to be removed from the drop box ( which had clear evidence of tampering ). Their security systems were also not functional at the time of the incident so there was no way to see exactly who took the keys/vehicle or when. Or to even prove I returned it at all. 

As a consumer, I find this situation to be completely unfair. XXXX 's inability to maintain a secure premesis and neglect of a business phone is not my fault. I should not be the one paying for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: MD

Complaint narrative:
My social security and credit has been damaged by someone using my number for years

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 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I received phone calls requesting info about my mortgage and finances from loanDepot. I didnt know then but I know now they were looking for a person like myself because Im a widow with financial struggles and I had assets in my home, I didnt have any knowledge about how to handle these things and I tried to stop the signing and I was pressured into continuing the process, I called them and told them I had decided to not go through with a loan refinance and then they started calling me back and promising me things, they said they had a loanDepot guarantee and would give me another mortgage in about a year with lower rates and without any closing cost and fees, they charged me XXXX of dollars to do the loan, and I tried to stop it and they started rushing and pressuring me to continue. Just the other week I had another one call me to get me to do it all again and thats when I got suspicious and found out about, predatory lending and asset based lending and Loan flipping and pressured and rushed into signing tactics. They have raised my monthly payment so high that I cant pay all my bills, I have to go to XXXX XXXX and apply for food stamps to get help. 
Dates during XX/XX/XXXX 2022XXXX XXXX 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About ten years ago, I had an account with MBNA that resulted in a negotiation and a paid off balance. Just received information all these years later, that my wages will be garnished 25 % each month for this same account. In the last six years I have purchased a house and this issue was not on my credit. I had no other letters or phone calls from creditors. I even refinanced a couple of years ago and this issue was not present. Because of move and poor record keeping, I am unable to locate the negotiation letter and proof of payment.

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 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: MS

Complaint narrative:
Collection Agency : Receivable Management Services Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : XXXX XXXX Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX is not licensed to collect debt according to 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 non-monetary relief