vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with XXXX XXXX XXXX  ( XXXX  ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called National Debt Holdings , LLC I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received a settlement letter from XXXX XXXX XXXX XXXX XXXX representing American Express for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both AMEX and XXXX  XXXX  to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: IL

Complaint narrative:
XXXX XXXX XXXX was recently added to my credit report and I do not have any account or any connection with this account to owe a balance. This is a fraudulent account that is being reported on my credit report as it is giving deliquent marks and not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: SD

Complaint narrative:
I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with XXXX. The website is geared to selling me a subscription and involves multiple XXXX  identities - I'm was not sure who is the real XXXX  and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to XXXX, I was given 3 different XXXX   phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - XXXX  or a subscription service that I don't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
1 ) I have refinanced my house, after a few months my mortgage was sold to a 3rd party mortgage / collection company. 

2 ) 3rd party received my payments but did not post to my account. 
i have shown proof of payments but they are refusing to make corrections. 

3 ) i have disputed with 3 credit bureaus but mortgage company did not agreed to make correction. mortgage company insisted to keep negative report on my account. 

4 ) later mortgage / collection company made correction for the first 2 months and kept negative report for the 3rd month. 

5 ) i have resend all my proofs with new dispute letter to credit bureaus, one of them has corrected my account and i am waiting for the other 2 6 ) mortgage / collection company did not post my latest payment ( XXXX ) i was concerned to get additional negative report. I have called-in on XX/XX/XXXX and changed payment method to " monthly auto ACH '' to replace my check. mortgage company took the ACH payment and also cash my check at the same time. They took 2 payments and advised me that the additional payment has to go for the month of XXXX. 
am i getting reimbursed for the early payment and additional interest paid? 

7 ) On XX/XX/XXXX, I have requested again credit correction, the mortgage company replied on XX/XX/XXXX and XX/XX/XXXX that they have received my request and they are reviewing it. I have not received any reply -- -- -the week of XX/XX/XXXX ( don't have exact day ) I called the mortgage company again, one of the operator inform me that they are making correction to my account and it may take over 30 days to see any changes. Previously I was told by one the supervisors that the only acceptable correspondence is via e-mail directly with accounting department. I have then sent a new e-mail requesting update/ correction on XX/XX/XXXX. 

8 ) As of today i don't have any written notice of the correction for my account. 
my credit score is still below average. 
I was unable to get new financing due to my credit score. 
I have lost many work hours trying to correct my credit for almost 3 months I am suffering with anxiety and stress trying to make this correction I am extremely dissatisfied with this mortgage / collection company, they did not make correction when i have showed them from my 1st e-mail that the issue is their company 's processing, it seems like they are more of a debt collector / collection company not a mortgage company. 
i hope someone review this matter and help me correct this issue and also protect other consumers from this type of financial and stressful harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
BBVA credit card closed my account due to overpayment in XX/XX/19 and neglected to pay back the credit balance of my credit card in the amount of {$1200.00}. The Client Solutions Department associate told me that BBVA already refunded the amount back in XX/XX/19 and gave me a trace number that is useless because I was not able to use that number to collect my refund with the third party bill payment system ( XXXX XXXX XXXX ) nor the financial institution ( XXXX ) of which BBVA sent the refund back to. I have tried to collect my refund from both XXXX and XXXX  XXXX XXXX  to no avail because both representatives told me that they do not recognize the trace number provided to me by BBVA and ask for a reference number that they can recognize instead. 

Tried several times to contact the BBVA Client Solutions Department representative but has not received any response as of yet. It's been almost 3 months since the overpayment of my credit card and I have yet to receive my money back and that is why I'm filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
As the uploaded image shows, I keep receiving letters from Equifax Consumer Services LLC addressed to multiple names which are not mine. To the best of my knowledge, I have had only one name since the day my parents named me at birth, it is XXXX XXXX XXXX XXXX. This is the name on my Driver License, passport, social security card, and other government identification documents. 

I have been returning these letters without opening them and have stated that I view them as a form of harassment. If those representing Equifax Consumer Services LLC intend to send me any communications they ought to use my name. 

I will restate, I view these letters sent by those representing Equifax Consumer Services LLC as a form of harassment and request that they stop sending such letters to my residence. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
I have been a customer with CASH App for several years. I reserved a XXXX for my birthday event last night, XX/XX/24, at XXXX XXXX. I received an alert that my card was declined. So I tried again. No luck. I then logged into my CASH App account, and then I was made aware the account had been closed and the steps that I need to take to retrieve my funds. Meanwhile, my birthday event is going on and I was unable to attend. There was no way to contact anyone, other than clicking the Support button, which is only by email. I STILL have not heard from this company, and I have over {$2500.00} in that account. The app will not allow me to transfer, withdraw, or anything. I have XXXX small children, the holidays coming up, and no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received several emails from Synchrony Bank Amazon Credit Builder account that I did not sign up for saying they made trial deposits in my account for a new card. Also saying action required. I called the company and reported it to them and they said they are receiving several calls regarding this. I am very concerned that my personal information has been leaked because I have had an account with them in the past and currently have a paypal account that they service. Very disturbing and feel it should be looked into.

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 2019-11-25 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: VA

Complaint narrative:
Report to Equifax to remove hard inquiry as stated in your letter dated XX/XX/2019 and XX/XX/2019. It is still not reported and your wrong hard inquiry is still existing on my recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
My home mortgage was transferred effective XX/XX/2019 to XXXX XXXX, as per the information showed in the Court paperwork to substitute party. 

Land Home FS " old servicer for XXXX XXXX '' never sent notice of service transfer that must be addressed not less than 15 days before the effective date of the transfer. Almost three months have now passed and I have not received any kind of information from Land Home FS or from XXXX XXXX. 
The notice of transfer must by law contain the name and address and phone number of the new servicer and/or owner. Land Home FS must provide that information urgently. In the absence of any other information I will continue sending my payments to Land Home FS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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 seen that a company XXXX XXXX XXXX was recently a deliquent account that was added to my credit report as I have no account or connection with this company or affiliates. This is a fraudulent account that is being reported 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 2019-11-25 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: CT

Complaint narrative:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have just reported on my credit report for a debt collection. I reached out to the agency and I did not get my problem solved. As I stated my report has a fraud alert to show creditors that they should verify my information before giving services. It is evident that services had been made in my name without my permission which is considered fraud/identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received 2 emails on XX/XX/19 one at XXXX the second at XXXX. These were sent to my work email. They are from Synchrony Bank stating that a trial deposit has been successfully made to your Amazon creditbuilder account. it came from Synchrony  Bank<XXXX> and the content says Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 
I do not have a Synchrony bank account nor do I have an amazon credit builder account. I very rarely use my work email unless its for work purposes so this email immediately stood out.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The security questions used to verify identities at the major credit bureaus are not secure. The default questions at all bureaus are based on credit reports, but identity thieves often have access to them. The solution would be to add extra questions that are not based on credit histories. XXXX  allowed me to do so, but XXXX and Equifax refused. 

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2019, a money transfer was processed for our relatives.

The company used for this transaction was Western Union.

After Western Union confirmed the money being deposited into the receiver 's account, the money was NOT accessible because the deposit was never made!

The Bank in XXXX, XXXX has no record of the money being deposited into our relative 's bank account.

After contacting Western Union and speaking to multiple customer service representatives for a period of over three weeks, Western Union say there is nothing they could do to retrieve or reverse the transaction so that we could get our money back.

I also tried to get a hold of the Corporate Offices and speak to a higher authority and it is impossible!!

Today it is XX/XX/2019, a month later and no news of where our money is!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed that my U.S Dept of education loans are not updated. That loan was closed with XXXX balance as the other bureaus have updated there system. Experian is the only Bureau with a balance for that account as the system has not yet updated.

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