vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wallace Management Company, LLC
State: TN

Complaint narrative:
I went into XXXX XXXX XXXX here in XXXX, TN on XX/XX/2018 at XXXX to start a loan and was greeted by one of the Companies Loan Reps ( XXXX ) who assisted me with opening my loan. While filling out the paperwork for the said loan I asked the Rep if they reported to the credit bureaus which her response was Yes They Do which is also posted on their website that they take out a loan with them helps you build your credit. After making two payments on time I went to check my credit and seen no trace of the payments I had made on the account, I didn't even see where they had ever checked my credit score. After this discovery, I stopped payments and went to the office and was met with a hostile employee and which branch manager XXXX XXXX had to send out of the office to allow us to talk about the account. She informed me that they were switching credit companies and she couldn't go back and apply my first payment to my credit report but that the next payment would go on to my report and thereafter. After making another payment on the XX/XX/2018 of {$65.00} still, it never was reported. I returned to the Branch again to speak with The Hostile Rep who tells me that she doesn't know what's going on and that it should be on there to no avail ... I stopped paying the loan what is the point of paying for a service I am not receiving and I was lied to numerous times as to what was going on. I was happy to pay the loan until What was advertised was not Delivered. I was paying to have my credit built and told XXXX and The Branch Manager XXXX that the whole reason I was opening the loan was to Build My Credit. Then after I stopped paying them I have received letters about Legal Actions and Picking up my security items. My question to this company if doing business by falsely advertising what you are and what you can offer your customers how you practice business?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted Bank of America Credit Card to see what my available credit line was for the purpose of business. At that time I was informed by Customer Service that I was delinquent in my account with past due and late fees. I was surprised as I have this account set up on automatic draft as I do my other credit cards as well, XXXX to be exact. I immediately paid what was over due to become current on my account in the amount of {$320.00} plus my normal {$100.00} auto draft. When I returned home to my office on XX/XX/XXXX I began to audit my paperless credit card statements. I found that in XX/XX/XXXX between promo interest rates and new charges that my minimum payment had increased from {$85.00} to {$110.00}. I received no alerts between XX/XX/XXXX through XX/XX/XXXX other than my monthly paperless statements. During the holiday months I usually pay the minimum on all XXXX credit cards via Auto draft so that I don't have to worry about late fees. On all of my other credit cards that I have in the auto draft set-up there is a box to pay the minimum due payment regardless of change to the amount. On Bank of Americas website they do not offer this option, you can only manually enter an exact amount. On XX/XX/XXXX I received a letter from Bank of America that my {$11000.00} credit limit had been reduced to {$7500.00} on XX/XX/XXXX I made an extra payment of {$1000.00} and after careful review I realized that not only had they charged me multiple late fees and added interest rates, they also reported such to the 3 major credit bureaus which resulted in a 68 point reduction in my credit score. I have honestly never missed a payment or been late on anything in my entire life. Although I do utilize my credit for business purposes, that is a substantial mark on my credit history. I have reached out numerous times to different customer service reps which results in hours of holding times and countless repeats of this occurrence. On XX/XX/XXXX I received yet another letter from Bank of America that simply states " We are unable to approve your recent request regarding the above account '' with no explanation as to why or what they didn't approve. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-01-28 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

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 2019-01-28 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: CA

Complaint narrative:
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit bureau is outsourcing call centers to ignorant foreigners in XXXX that should never have U.S. consumers social security numbers and proprietary information. When I call Equifax and ask to be transferred to a representative in the United States, the do not honor my request. Equifax should be fined for this practice. 

Equifax is charging me monthly in the amount of {$17.00} for a Equifax Complete Advantage that entitles me to unlimited credit reports and score. I have tried to access my report today and in the past and am unable to do so. The website gives me a message that they are unable to complete my order and directs me to call Equifax at XXXX. I have called this number and the ignorant foreigners in XXXX advise they can not get this fixed and they escalated it to the Equifax I.T. department to resolve. Over a year later, I am still having this issue and it does not get resolved. 

I am submitting this CFPB to try to resolve the issue with Equifax. 

Consumers should be angry that their Equifax credit reports and Social Security Numbers and confidential credit information is being sent overseas to XXXX and possibly other countries. 

XXXX XXXX gave these greedy companies huge corporate tax breaks and the corporate greedy companies send our U.S. jobs offshore. 

Shame on a Equifax and corporate America.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: WI

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation.

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 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have made over 120 payments to qualify for the public service loan forgiveness program. My account has been in " review '' of this for a year!!!! ... without any answers ... with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My wife and I opened a Home Equity Line of Credit with XXXX  XXXX NA in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX sold this HELOC to Rushmore Loan Management. 

Now, I am trying to obtain a copy of the Loan Note from either party ( Rushmore Loan Management or XXXX XXXX NA. ) XXXX insisted they faxed me this document on 4 separate occasions and that they also mailed it to me. To date, I have received no faxes nor any mail. Today, they ( XXXX ) told me over the phone that they do not have the loan note and never received a copy of it from XXXX XXXX XXXX. They offered to contact XXXX XXXX and see if they can get a copy. I am starting to think they are purposefully delaying sending the documents in an attempt to keep me from refinancing. 

XXXX XXXX offers no help whatsoever, only a PO Box that you can write to. Their customer service centers have no information about the loan, nor do they provide any suggestions, other than writing a PO Box in  XXXX, Minnesota. 

I have been working on collecting this information for 3 weeks and have been continually told by XXXX that they had the info and were faxing it over. Today they've changed their story and said they do not have the document I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
The called multiple time back to back today 5 time in less them 5 min. They also leaving voicemail on voicemail with not Id factors on the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I found a deal with chase for a new savings account. I had to open, deposit {$15000.00} and keep it for 90 days. once the 90 days are up I would receive {$220.00}. that didnt happen, and now Chase is saying that I never applied the coupon code, which I did. they want me to find that coupon code but it was an online link which I can not retrieve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 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: NC

Complaint narrative:
XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit 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 explanation
Consumer complaint received 2019-01-28 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: NC

Complaint narrative:
XXXX credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: NC

Complaint narrative:
XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit 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 2019-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reported by XXXX XXXX is FALSE. XXXX XXXX  was contacted several times to request a payment arrangement on the account due to loss of employment. Please note that as requested, XXXX XXXX was also provided with proof of unemployment. After waiting to hear back from XXXX XXXX ( because there was no response to the letter or the fax that was sent to them ), I then called again and was told that I was eligible for a special benefit program that covered events such as loss of employment but in order to qualify the account would have to be closed. It was my understanding that due to the " qualifying event '' the account was being closed without any further obligation by the consumer. However, the attached letter from XXXX XXXX stated that they EMAILED me a payment plan offer that I did not respond to which again is false. I am requesting to have XXXX XXXX   provide proof of the allege emailed that was sent so that I can have it investigated by XXXX/XXXX. Additionally, I am requesting to have the negative remarks removed from all three credit bureau reports and have the account updated to " closed/never late '' because the account is still reporting as late each month although it has been closed by the creditor.

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 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC STOP SENDING ME MY CREDIT CARD STATEMENTS, AND NOBODY AT HSBC PICKS UP THE PHONE. I'VE BEEN ON HOLD OVER 2 HOURS AT A TIME. THEN THEY GAVE EVERYTHING TO A DEBT COLLECTOR, THAT GAVE ME A NEW STATEMENT WITH OVER {$1300.00} INCREASE ON IT. WHEN I ASKED " WHY '', THEY WON'T TELL ME AND ARE DEMANDING PAYMENT. The DEBT COLLECTOR IS XXXX XXXX : As per my conversation with Mr. XXXX XXXX at XXXX on XX/XX/2019, I had indicated that I need to see copies of the Statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since none were provided to XXXX XXXX. I also need to know why there was a difference of over {$1300.00} on the account from our last statement of XX/XX/XXXX to XX/XX/2019, when the card was not even used. As per my conversation today with Mr. XXXX XXXX, he indicates that I never brought up the issue of {$1300.00} difference. Without this information, no individual can do a proper settlement. This is unlawfully holding back important information regarding about the account. Neither HSBC nor XXXX XXXX are helping with this matter. Mr. XXXX indicated that HSBC will settle at " 50 % '', but 50 % of what? With an wrongful higher number, then ofcourse the settlement will be higher. With a proper number, then the amount would be lower. Note, HSBC has destroyed my credit report, purposely, and the lack of the information requested shows negligence on XXXX XXXX ' part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My brother, XXXX XXXX, is receiving calls to his phone number ( XXXX ) repeatedly from the phone number XXXX saying that they are " serving documents '' to XXXX XXXX ( me ). They are calling once or twice a month for the past 3 months. In additional to my email I attached screenshots of the voice mails they are leaving. Calling back the XXXX number goes directly to some call center saying they are a law firm. They left the number XXXX in the latest email. We have asked numerous times to stop calling and to put on the Do Not Call List and they just hang up. 

Calls so far : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  " This message is solely intended for XXXX XXXX. This is XXXX I'm a courier with the??? tasked??? serving you documents that you will need pertaining to an upcoming court appearance this is my second attempt to locate you at your residence or place of employment to obtain your signature if this is a???? it will resolve and a missed court appearance on your behalf. To stop the process of being served or prevent a missed court appearance I recommend that you contact the filing party at 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