vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I was investigating refinancing my mortgage with XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, OH XXXX ( XXXX ). I first started pursuing the refinancing process on XX/XX/2020. At that time, Mr. XXXX told me that there would be no closing costs and I would not be charged for an appraisal. As we continued our negotiations, it became clear that Mr. XXXX 's initial verbal offerings were not being followed through. Not only did he charge a {$450.00} appraisal to my HSBC credit card, without my permission, he charged me again for the appraisal on a refinancing document that he submitted to me. I turned down the refinancing for many reasons but mainly because I no longer trusted Mr. XXXX and I thought he was trying to take my money. 

I then submitted a claim with HSBC for an unauthorized charge for the {$450.00} appraisal on XX/XX/2020 ( case # XXXX XXXX. Not only did HSBC never attempt to reach out to me for a more in-depth explanation for my dispute, they had the audacity to send me a letter on XX/XX/2020 claiming that this charge was consistent with my spending pattern. It is not! 

I have cancelled this card and informed HSBC that I would be filing a formal complaint against them. 

Thank you for your consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
On XX/XX/2020 I sent a request for documentation to Specialized Loan Servicing Consumer Complaint Division. I requested three specific types of documentation, all related to fees I was charged at closing that I believe were unallowable, unreasonable, or not incurred, including attorney fees for services that were undocumented, unnecessary or not-incurred. 

I requested, by XX/XX/2020 : 1. A detailed itemization of outstanding fees/corp. Advances 2. A full explanation for a {$1000.00} error in the last payoff statement provided by SLS, good through XX/XX/2020, and used at the XX/XX/2020 closing. 

3. A final, detailed accounting for the full {$8700.00} escrow/impound advance balance. 

As of XX/XX/2020 I have received no response, by email or post. 

I did receive a " payment notice '' with additional charges added to the " past payments breakdown. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
To whom It may concern. I'm currently writing to file a complaint on behalf of Professional Adjustment CO. Located XXXX XXXX XXXX, XXXX XXXX Fl XXXX. I've attempted to contact this company in regards to verifying and removing this debt. This company has yet to provided me with any sort of written documentation as to the validity of the debt as I don't believe the debt is mine. The alleged debt is for {$130.00}. The account number in question is # XXXX. I've been trying to get them to remove this error on my credit report since XXXX of XXXX. They refused to remove the debt from my credit report. On XX/XX/XXXX I contacted Professional Adjustment Co, I offered to pay the debt even though that I told them that I don't think it's my debt. In return I asked for a removal from my credit report upon them receiving full payment, they still refused a pay for deletion offer. They were extremely rude and unwilling to cooperate. I just want this false debt to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 have contacted Experian several times by phone and email regarding accounts on my credit report I asked them to provide me with proof that i obtained these accounts and to investigate the accuracy of the accounts experian did not provide me with the proof that they investigated these accounts and they refused to remove them from my credit file or reinvestigate the accuracy of them. The accounts are as followed : 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 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Double jeopardy Chrysler capital Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of XXXX XXXX XXXX amounts incorrect the used information that I gave them lately to up date to keep on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TX

Complaint narrative:
I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I sent disputes to XXXX, XXXX and TransUnion and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ), on XX/XX/XXXX the accounts have been updated from an 'open ' status to a 'closed ' status. 
In addition, TransUnion is now reporting the account TWICE with completely different balances. I have already gone through court for this account, I have sent the results of the settlement to XXXX, XXXX and TransUnion. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, Ireally do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX after they began to damage my credit, I will not hesitate to pursue litigation with TransUnion, XXXX, XXXX and the collection company XXXX XXXX XXXX. The only thing the bureaus have to do is verify the information I sent them, now they are damaging my credit more?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a housewife since married. Had been a housewife for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed Experian and XXXX XXXX the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions 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 2020-05-06 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
In the statement ending XXXX, I read clearly that the deferred interest balance was expiring on XX/XX/XXXX. In order to pay the deferred interest balance, Barclay 's instructs the cardholder on the statement to pay the minimum payment and any amount above the minimum payment made in the last two cycles before the expiration date will be applied to the deferred interest balance. I called the Barclays helpline on XX/XX/XXXX after looking at my bank statement to confirm that I was in the last two billing cycles. The Barclay 's representative confirmed that I was. After hanging up with the Barclays representative I made the payment that same day for the deferred interest amount {$1100.00} and another payment of {$170.00} to cover the minimum payment. Both payments were processed and reflect in the next statement ending XXXX. The amounts however were not applied to the deferred interest balance only to the regular balance and the expiration date of the deferred interest payment had changed to XX/XX/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 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
AMERICOLLECT , INC . I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: VA

Complaint narrative:
On XX/XX/2020 a fraudulent collection account was placed on my Experian credit report. I immediately filed a dispute to dispute the account as its not mine. Experian in violation fcra laws updated the account on XX/XX/XXXX to reflect a different due month. 
There are no documents nor statements to validate my ownership of the account. 
I have not been to the doctors in years and my kids are covered under their dads insurance for all expenses. I reached out to him and he confirmed all services were paid by insurance. 
XXXX  collection in violation of collection laws has refused to provide supposed documents or bills. 
I did not receive any document or statement tying me to this fraudulent account. 
The fraudulent collection is being updated to fraudulently reflect activity that did not occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I transferred money to a friend on the XXXX and I paid for express delivery and they promised she would get it on the XXXX. 
It has been more than 10 days that I have been contacting REMITLY. Some days multiple times a day and they keep promising that will get it fixed but so far nothing has happened. I tried to ask about getting the money back and they said that after sending an email it will take up to 10 business days to get the money back. This is a joke that after waiting so long and paying for a express delivery that didnt happen I still have to wait another 2 weeks before getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE DISPUTE WAS NEVER LISTED AS A DISPUTED ACCOUNT OR 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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed XXXX and Trans Union the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions 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 2020-05-06 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
Double jeopardy XXXX XXXX Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of NCB management service amounts incorrect the used information that I gave them lately to up date to keep on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: NY

Complaint narrative:
I am tired of my bank declining all my credit card application for the same reason they refuse to approve me I dont appreciate this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TN

Complaint narrative:
account was open in my name without my consent and needs to be remove

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