vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC

Complaint narrative:
XX/XX/2019 we received a letter about a debt for XXXX XXXX XXXX homeowners fees for XXXX ( collection agency McCabe Trotter, and Beverly ) and a lien on our property. The original bill is due in XX/XX/2019. We have always paid our Homeowners fees with no problem. We contacted our homeowners association to ask if they sent it to collections and they stated they did. In their letter they stated that they give people up to one year of the next year to pay these fees. They did not give us that option, they also stated this in our meeting. Some people has been out here for 2 or more years and are behind on their payments the homeowners association stated in our meeting. They did not give us this option. And they did not write us telling us they were going to sent it collections. We just received collections papers by mail. My husband is a XXXX veteran and we are in chapter XXXX bankruptcy. We are being harassed about taxes and liens about this property and we believe they are trying to foreclose and sell the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.

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 2019-03-29 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine XXXX, US Dep ED and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: IL

Complaint narrative:
I request that you initiate an investigation into XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX  Date inquiry XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX these inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above.

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 2019-03-29 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: LA

Complaint narrative:
XXXX ; XXXX  and Transunion are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on 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 2019-03-29 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: LA

Complaint narrative:
XXXX ; Experian and XXXX are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on 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 2019-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to equifax several times and have had problems with customer service verifying my identity. i have sent my ID Card and social to verify my identity and still have no luck. Also they are reporting incorrect information which has not been verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
BARKLEYS WILL NOT CLOSE THE ACCOUNT ... I HAVE ASKED THEM BUT THEY HAVE NOT DONE IT ... THERE IS NO MONEY OWED TO THEM ... ITS PAID IN FULL ... I WANT IT CLOSED SO NO ONE GETS MY CARD INFO AND CHARGES TO THIS ACCOUNT ...

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 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX my account was limited in XX/XX/2018 and I was advised funds will be released at 180 days. Funds as not been released yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
my credit score went down and it's saying someone from another part of town have been using my information to buy things and I haven't bought anything in my name besides the home that I live in please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
This is my second written request to verified a public record that appears on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this public record on my credit or deleting of this accounts.An FTC complaint is attached, my drivers licence, social security and utility bill also attach to this complaint, police report will be filed soon. 
Please remove this item 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 2019-03-29 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: GA

Complaint narrative:
This is my second written request to verified a public record that appears on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this public record on my credit or deleting of this accounts.An FTC complaint is attached, my drivers licence, social security and utility bill also attach to this complaint, police report will be filed soon. 
Please remove this item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There is a charge of XXXX added to my loan showing unpaid principal but on documents it is explained as interest due and a late charge on the bill that owed since XX/XX/XXXX which is fine but was never listed on my online statement which is how I pay by the interst due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CO

Complaint narrative:
XXXX  and XXXX are reporting correctly that the XXXX XXXX XXXX partial account number XXXX reports a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) Experian, however, has not updated its records on my credit report. This incorrect reporting is harming my credit score.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I receive XXXX credit Report of XXXX XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XXXX-XXXX-XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX already removed the Derogatory Remarks, of XXXX auto loan, but XXXX and Equifax hasn't remove it yet.Why? 
Also XXXX  has removed Bankruptcy from my credit report, but XXXX   and Equifax hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XXXX XXXX.This error needs to be corrected as XXXX has XXXXXXXX XXXX XXXXXXXX. 

I respectfully need a expedited removal of derogatory of XXXX  account because I am going through a VA Loan and purchase process with XXXX XXXX  and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX   Military Veteran. 
I am XXXX XXXX and XXXX. 
I appreciate XXXX, Equifax, XXXX support for our Military Veterans. 
With Respect and Honor Always!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: LEXISNEXIS
State: SC

Complaint narrative:
Lexis Nexis continues to sent my credit information to the bureaus and they were told to stop and I opted out of them doing so. They sent bankruptcy information to the credit bureaus without authorization to ruin my name. I wrote them and told them to take the bankruptcy off of the report because the US bankruptcy does not report to credit agencies. They still will not stop reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/2018, I received an email offering a XXXX XXXX points bonus of a new Chase card was opened and you spent {$1000.00} in the first 30 days. I clicked the link in the email and applied and was approved. After the first 30 days, I received XXXX points and a {$200.00} statement credit. I immediately called because the value of XXXX XXXX points is {$1100.00}, but the value they provided me with was {$470.00} ( XXXX points are {$270.00}, plus a {$200.00} statement credit ). The ONLY reason I got this card was for the XXXX points. They told me theyd talk to marketing and get back to me. Ive called 3 times and have not received a reply. Im now at the point that Im ready to book a trip and Im missing XXXX points, so I called AGAIN and was told theyd talk to marketing. Today I contacted customer service at Chase via XXXX and they said sorry, its been too long, when theyre the ones who never replied back every time I called. 

I also contacted XXXX since its a co-branded card but they said only Chase can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ). 

Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: LA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPTED/XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please also reference the following pages on the attached credit report : 8, 9, 10, 11, 12, 13, 14, 15, 16, 30, 31, 32, 33 and 34. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 

Equifax and XXXX is reporting incorrectly that I am 120 days past due on the XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please reference pages 40 42 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 


Equifax is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers are listed in the spreadsheet attached this complaint. ( Please see pages 43 AND 44 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: IL

Complaint narrative:
In Experian 's response ( dated XX/XX/XXXX ) to my complaint through this portal ( dated XX/XX/XXXX ), Experian stated the following : Based on our reinvestigation ten of the disputed accounts mentioned in your previous correspondence, received XX/XX/XXXX, are in the process of being removed from your credit report. One of the disputed accounts is not currently showing on your Experian credit report. The disputed inquiries are not currently showing on your credit report with Experian. Once the update is complete a copy of your credit report will be forwarded to you for review. 

I have yet to receive said report reflecting the deletions mentioned above. Please mail the report to me 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 non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and opened up accounts in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Repeated, daily robo-calls, offering me payment plans. I have no idea what this is about, I am on the Do Not Call registry, and I want the calls to stop. I will not have any contact with this company ( Gulf Coast Collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have already filed two complaints against this company. First, my account was unexpectedly restricted due to my filing my first complaint against the bank. I was told that my account was due to be closed upon calling but I was unable to have access to my funds until the account was closed. I still havent received any written notice of the account closure. I am XXXX and have a direct deposit from the Social Security Administration due this coming Wednesday. I did try to change my direct deposit information but it was too late to change for this pay period. I can not pick up necessary medication I need to live. I do not have money to purchase food. Within a half hour of filing my complaint nearly 48 hours ago, I received a phone call from a woman named XXXX XXXX in the executive office who empathized with my plight and promised to work on my behalf to get the restriction limited. As of today, the restriction has not been lifted and checks written on the account are being returned. I am at my wits end. Please help once more from letting this company discriminate against a XXXX woman who literally could die due to this companys actions.

Company response to consumer: Closed with monetary relief