vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 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:
ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR XXXX XXXX HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.

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 2019-05-18 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: MI

Complaint narrative:
I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from Department of education, & one from the XXXX XXXX XXXX. I submitted this dispute to all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, Requesting the Equifax Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 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: U.S. BANCORP
State: MI

Complaint narrative:
Called number on my credit report talked to company they couldn't find any information on so they don't know why it's on my report. Can you help me? I never contacted u s bank for 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 2019-05-18 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: MI

Complaint narrative:
I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from XXXX XXXX XXXX, & one from the XXXX   XXXX XXXX. I submitted this dispute to all three credit bureaus, XXXX, XXXX , & Trans Union, on XX/XX/2019, Requesting the XXXX Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.

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 2019-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I took out a predatory loan with Money Mart. They have reported negative remarks on my credit report. This company would not provide me with a payment date. They just began taking out payments on each of my paydays. I borrowed {$5000.00} and paid over {$2000.00} and now the company is saying I owe {$6.00}, XXXX. They will not give me a set payday. When I requested that they stop taking payments out of my XXXX XXXX XXXX checking account to caused me to get all of these payment fees because they gave me different stories on stopping the payments. This exacerbated the situation and caused me to miss payments. The Corporate office forced me to go to the store that is packed all the time and has long waits. I feel that this is predatory lending because you can never get ahead of the debt and they are now claiming that I owe more than I first borrowed. They impacted my credit when I am trying to purchase a home. I am veteran and homeless but they persist in rates that are meant that you never pay them off. I also found it amazing that the corporate office was not able to stop the recurring payments from debiting my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TX

Complaint narrative:
Dear CFPB, On XX/XX/2019 I sent a certified mail dispute letter to Equifax, to dispute unverified/ inaccurate items. Equifax did not investigate properly, the items were verified via eoscar system. TransUnion deleted the same items a long time ago. I'm contacting you to let Equifax know, I am doing my part and gathering records to take legal action if they do not delete the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent charging activity on my checking account with XXXX XXXX as the recipient. Total of {$3600.00} in XXXX charges. Total of {$1800.00} was refunded by my bank ( Citibank ), but the balance could not be refunded due to remaining charges more than 6 months old. 

Contacted XXXX 5 times on the phone to have the remaining charges reversed. They had promised on the phone to reverse, but then did not and later refused to reverse the charges. 

Outside of XXXX, {$500.00} in charges fraudulent charges remain that are over 6 months old 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 2019-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Radius Global Solutions LLC in XX/XX/2019 in the amount of {$480.00}. First and foremost, I have confirmed that the debt collector, Radius Global Solutions LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Radius Solutions LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Radius Solutions LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Radius Global Solutions LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
On or about XX/XX/18, I opened a consumer checking account with HSBC by responding to an advertised promotion promising {$350.00} if I deposited {$10000.00} within 30 days and kept it deposited for 90 days. HSBC is still running similar promotions as of the date of this complaint. 

On XX/XX/18, I deposited {$10000.00}. This date is within 30 days of the account opening, fulfilling the promotions terms. 

On XX/XX/18, I withdrew {$9900.00}, bringing my account balance to {$50.00}. The time the account balance was above {$10000.00} was more than 100 days, further fulfilling the promotion 's terms. 

The promotion 's terms stated that the {$350.00} bonus would be paid within 8 weeks ( 56 days ) of  meeting the promotion 's terms, which would have been on or before XX/XX/2018. 

During and before XX/XX/2018, I contacted HSBC to resolve this issue several times. HSBC has continued to engage in obstruction and false statements regarding the account 's history and bonus status. Importantly, they had also refused to honor their promotion for my husband 's account opened under the same promotion, although they later resolved my husband 's account after being confronted about failing to honor their advertised promotion. This indicates a pattern of deceptive and obstructive behavior regarding honoring their advertised promotions. I'm sure the CFPB can verify from other complaintant 's reports that HSBC is well known for this kind of bait-and-switch behavior. Bait-and-switch is illegal in the Untied States, and HSBC knows this yet continues to engage in it. 

I have attempted to resolve this with HSBC for several months, and have been in contact with them about this issue more than 4 times. They keep refusing to honor the terms of the promotion, and point me to terms of a different promotion altogether. 

I would greatly appreciate the CFPB looking into HSBC 's conduct in this matter and helping to resolve the situation. HSBC 's internal complaint confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
i started a refi with loan depot back in XX/XX/2019 and i spoke with XXXX XXXX the loan officer and he took my info over the phone and shortly after had pre approved me for a refi loan on my primary home. I went through the entire process, sent in my {$490.00} for the appraisal fee and gave them everything they asked for By the way I work in the auto business and get paid {$1000.00} salary, {$1000.00} draw and {$110.00} car demo allowance plus bonus. 

After XXXX XXXX and his team finished with my verification of employment for all my previous jobs, he calls me says that the ratios are too tight and that they couldn't use the demo allowance of {$110.00} per week and that if i could pay off a credit card bill of {$9600.00} to help out the ratios. They had declined the loan at this time and I worked over the next 2 weeks to have my wife transfer the credit card debt to another credit card in her name as it was a joint account. Once the debt was off my name, I called loan depot back and spoke with a new LO XXXX XXXX. He said he could get the old loan and would have to open a new one and start where the old one left off. I gave him everything all over again and he was saying that everything looked good and clean and should be great. Well, after it went to final review in underwriting they said that they couldn't use the draw as i didn't have 2 years history of that. Even after my boss wrote a letter of explanation to them that states that my draw would never go below the bonus i receive, that wasn't good enough and i was declined again. I wasted 5 months of my time for this and feel that they should have known about my draw and asked questions as professionals. It says it right on my paystubs i gave them that I get XXXX salary and XXXX draw. I've spoken to other mortgage professionals since and they said that it should have never been pre approved in the first place. Which means I should have never paid for the appraisal in the first place wasted 5 months of my time. 

i asked for my appraisal refunded and they refused

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19 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: I.Q. DATA INTERNATIONAL, INC.
State: HI

Complaint narrative:
XXXX XXXX knew that dad was evicted. I want to know how was my SSN released to damage my credit report for over 6 years. I requested in disputes numerous times to have it removed and it always still remained, dad never made a payment according to CA. I would like to also know how is eviction process handled, and how is the SSN reported to collections without proof of knowing who was evicted? My dad is not trying to pay this debt his wife is trying to put the blame on the complex for missing documents and knowing that you cant prove it to wife she still believes its mines. Only my dad knows my SSN? I was Supposed to have been removed on XXXX XXXX and release from this debt dad owes. I suggest that you cease communication with them and let them know that FCRA laws allows the person that damages there credit report documents proving that it was supposed to be mines. Dad and wife lied to me saying they were gon na pay it when they go on vacations, and paid off other eviction to qualify them for VA housing assistant almost like county housing. They refuse this one because its on my credit report and not dads. My dad wants to fix it but I understand that wife refused to and continued to blame it on XXXX XXXX instead and still denies this being there debt?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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: ERC
State: CA

Complaint narrative:
XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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 — Investigation took more than 30 days
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed ATG a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
My school closed and I am within my legal rights to pursue a discharge of all loans taken out while in attendance at the closed school. Attendance in pursuit of the degree I was seeking included two different campuses as my school had multiple campuses-the campus listed on this complaint and the XXXX XXXX XXXX, UT campus of the same school. A loan discharge application was rejected by my lender and upon fixing the errors they claim it had the second one was rejected as well, in spite of all purported errors having been fixed. At this point it is clear they are illegally denying me my lawful right to a discharge of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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:
I was paid XXXX auto deduct from bank account. XX/XX/XXXX Negative Charge off on my credit report. I contacted XXXX referred to XXXX. Balance " XXXX '', I paid XXXX. After over 20 disputes to Experian & 50 + to XXXX who does not check my payments. XX/XX/XXXX XXXX XXXX Branch Mgr. took the time to research. Attached letter. XX/XX/XXXX they started sending me checks for overpayment made auto direct bank account. This shows a Red Negative On Experian Report. It should show over 60 days Not Negative Red. This is seen as a bankruptcy or judgement. I paid ... Experian sends to XXXX   who refused to remove RED negative Chargeoff NOW {$6900.00}. XXXX XXXX XXXX removed from report this dispute with attached letter. Please help me, Experian should remove RED negative. It will show on 60 over category. I have 3 other accounts I paid over 60. This is the only account with RED negative. My score XXXX I am XXXX with fixed income. I spent my retirement check paying all debts. This is wrong and Experian will not code correctly. This is my last resort, I will have charge off for 7 yrs on account I paid in full. As it turns out I paid TOO much. Good luck and God Bless

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 2019-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FMA Alliance, Ltd.
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit eport from FMA Alliance , Ltd. on XX/XX/2019 in the amount {$4400.00}. First and foremost, I have confirmed that the debt collector, FMA Alliance, Ltd is not license in the state of Louisiana to collect on this debt. Secondly, FMA Alliance , Ltd. violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to FMA Alliance , Ltd.? I have never heard of them, have no written contract with them and have never received any benefits from them, yet FMA Alliance , Ltd. has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 a non authorized transaction was made in the amount of {$2400.00} sent to an unknown individual. I called the bank to explain the situation as soon as I noticed what had happend. With in the week I got a response stating my claim has been denied. I kept fighting for my money wich was to pay my rent and was asked for a letter from my phone company that after doing my own intensive research I realized it doesn't even exist. So they were asking me to show them something they know is impossible to get wich is a complete mockery and an insult to me after being a loyal customer. I will not let them steal my hard earned money that I sweat for and work extremely hard for. I Need my money ASAP I can not afford to play these foolish childish games with employees who are supposed to provide excellent customer service and instead they make complete fools of us. Meanwhile fraud against me is being committed.

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