vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details. 
-- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX. 
XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX. 
XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 )  XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine. 
XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING. 
-- This transfer would still satisfy the " Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in COMBINED CHECKING AND SAVINGS accounts within 30 calendar days of account opening ''. 

++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019. 

XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX. 

XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are five accounts on my credit report that do not belong to me. The accounts are the following. XXXX  XXXX {$12000.00}, XXXX XXXX/XXXX {$8500.00}, XXXX XXXX   {$16000.00}, XXXX-XXXX {$18000.00} and XXXX XXXX XXXX XXXX {$6600.00}. I have filed an FTC identity theft report as soon as I was made aware of these accounts because they were opened by someone else without my permission. I contacted the creditors as well as the credit reporting agencies and explained what was going on, however, the creditors nor the credit reporting agencies did anything to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2019, I receieved a copy of a Summons that was sent to XXXX XXXX XXXX XXXX Ill, I don't have a bank account with them. This bill is about 12-15 years old in Illinois the city of XXXX they are still allowing them to try to collect on this credit card is this legal or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 USAA bank emailed my 2 CD accounts with the full account numbers listed in my email. I contacted the band requested to speak to security to ensure they stop this practice. They never connected me to anyone in security. I received canned statements how this is corporate policy and there was nothing I could do about it. I feel like my privacy is not guarded by this institution. I was satisfied when USAA was a credit union not anymore. Please let me know how I can deal with this situation. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX account opened XX/XX/2019, was opened for internet service for my apartment. I orderded the 150mbps package, once installed the service was slow ans went out intermitten. 

I called customer service several times over my term or service and had several inspectors come out to check the line. 

Unfortunately, the company stated that the plan that I was paying for was not available in my area and that I was overpaying for the service. 

At this time I would like to have the collection removed paid in full. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NC

Complaint narrative:
I was illegally XXXX by a prowling opinion that felt obligated to call me abused and interrogate me as if I was a threat to someone or myself illegally and now insists that I pay the bill it created by attacking me and giving me no right to representation or even a say so with its own decisions and blaming even my parents. The bills created by this covetous force should be sent to who created them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2019 I request Experian credit bureau to send annual credit report to me. they said within 5 to 7 business day I call back unable to get thru representative, I still have not receive report. Violating tittle 15 U.S Code 1681e I am a consumer,

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 2019-10-07 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:
On XX/XX/XXXX I disputed an account being reported by Equifax on my credit report ( XXXX XXXX XXXX ). In my dispute letter I requested the following : " Please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including XXXX XXXX XXXX, containing 18 fields, which ensures that the information was identified correctly by your bureau, XXXX XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. '' I received a response on  XX/XX/19 that the investigation was completed and that the information was 'verified as accurate '. I then sent a second request on XX/XX/XXXX requesting that the account on my report be validated WITH PROOF. Equifax then sent a response on XX/XX/2019 stating that the account has been 'verified as accurate ' but again did not send any requested proof that I am entitled to by law. On XX/XX/19 I sent over a third and final letter disputing the accuracy of the account on my credit report and requested proof. On XX/XX/19 they sent me the exact same response saying that the information was 'verified as accurate ', but again did not provide any proof as requested. 

In my dispute letter I asked that they not respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. I am concerned because it appears as though I received an automated response to my request and that no real investigation was done. This not only completely unacceptable but in direct violation of my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: OR

Complaint narrative:
I mailed ] my XXXX mortgage payment from XXXX, Oregon to Pennsylvania on Monday morning the XXXX of XXXX on XX/XX/2019, I applied to refinance my residence. my lender called me to inform me I had a mortgage late on my credit report for XXXX. I went to my bank and found out Selene credited payment on XXXX XXXXI have been mailing my payment around the XXXX of every month and have never had a late payment. 
I want the late payment removed. with 4 day delivery the payment would have been in their possession on Friday the XXXX. 
note their statement in the first sentence of paragraph 3. 
PAYMENT MUST BE RECIEVED BY THE LAST DAY OF THE MONTH. 
I am requesting proof from Selene that they received my payment on XX/XX/XXXX. 
again worst case it was received on XXXX that still leaves 1 extra day ( Saturday ) for my payment to be in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
On XX/XX/2019 I disputed an account ( XXXX XXXX/XXXX ) that has a XXXX balance and is reporting a payment status of " >Account 120 Days Past Due Date< '', This account 's payment status should be paid or current. I wrote this in my dispute. The account was updated but did not correct the reporting Error.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
During my flight home from XXXX to XXXX on Spirit Airlines XX/XX/19, I applied for their credit card. I gave all my information .... Name, address, SS. I have not got a response about the offer in any way good or bad. I have excellent credit and now fear my information may have been stolen. I sent an email to Spirit and did receive acknowledgement and that they would look into the problem. That was over a week ago and still nothing has come back. Please help.

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 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
I disputed this account they removed the account now I receiving letters to pay within 30 days I sent in a certified letter of validation only for them to send me a copy of the account no signature and the end of the statement amount is left blank please remove this account and I do have a report where this account was deleted delete and remove from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: FL

Complaint narrative:
Comerica banks direct Express card for ssi benefits is impossible to get ahold of a lice person for the last 3 days I cant. I been on hold over 2 hrs  just to be hung up on eventually after no help. I've tried every Avenue through the service. Its saying my pin is lost and my card # invalid, all false. I can not use my card it's not working I cant see a balance, nothing, ssi says it's the cards fault. My rent is due. I'm gon na be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had this best buy credit card for over two years and have purchased products in a 3 lump sums to have as part of a financing through the card. I made my minimum payments always on time and I even paid more than so I could pay it off quicker and this past month in the beginning of XXXX I called citi bank who is in charge of my card to make another payment and my balance increased by {$1600.00}. I was then told it was because my 24 month financing option ended even though I made my payments on time and more so. When I tried to resolve the issue I was told nothing could be done and now My balance is at {$4600.00} which way beyond my limit and has since ruined my credit even. I then read online that when I make they payments they split the other charge so instead of paying off the oldest one first its splits it. That's very deceitful and another way to make more money off me.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been calling and complaining about 6 inquiries on my credit report that XXXX is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I have been trying to get a case number transferred for a refinance mortgage. Upon multiple request 's, they will not release it to us and refuse to use our authorization form signed by the borrower. I have attached the authorization form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: WA

Complaint narrative:
On XX/XX/2019 I sent a letter to Experian asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to XXXX   and they never responded, see attached letters written to 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 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
On XX/XX/2019 my loan approval showing the address of the home was shared with a previous agent through email, she was blind carbon copied -- -we specifically asked that she not be sent any information. 

Later that evening the agent called our loan officer after hours and discussed our purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I bought my property in XX/XX/XXXX and financed it with XXXX XXXX. I refinanced in XX/XX/XXXX with PennyMac based on their solicitations. PennyMac apparently has made a huge miscalculation on the escrow portion of my loan. They listed their projection on my property tax as {$1700.00} where the taxes for my property have been {$4400.00} in the past 3 years. I realized this mistake when they send me an escrow evaluation in XXXX along with a statement suddenly asking {$800.00} extra payment on my monthly mortgage. My payment increased from XXXX to {$3000.00}. I have emailed them multiple times online on the customer service line also emailed the loan officer who dealt with my loan. They have been slacking and delaying replies. Lastly, I was able to talk to a supervisor last Wednesday on XX/XX/XXXX and he admitted there was a mistake in initial calculation of the loan but could not figure out how to solve it said he needs to contact other departments handling the loan and will get back to me the next day on XX/XX/XXXX never did. Today I left them a message said I will be proceeding with filing the complaint with CFPB asI had told them before in our communication which they do not seem to care much. 

My tax records for XXXX online at my county : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Meanwhile, I have paid my increased monthly payment as {$3000.00}. I believe they assume that after a while I would let it go as onmy initial call the customer servic representative told me that taxes have been going up high everywhere and that is why people now started to prefer selling home and moving to apartments which did not make any sense as my taxes remained the same for the past 3 years per my county records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage took over servicing my mortgage about four months ago and they keep cancelling my direct payment setup. They are claiming that my XXXX precludes me from making electronic payments. Yet, as explained to them, two previous servicing companies had no problem accepting electronic payments every month for the last eight years ( when the Ch XXXX was filed ). 

They are also claiming that my mortgage was part of the bankruptcy when in fact it was excluded, which was why I was making timely payments in the past. I explained that I have never been late on any payment and want to keep my property. 

They tried to tell me that all payments are voluntary, and I replied, of course they are and that's why I am making timely payments, and why I am volunteering to make electronic payments online so they are received consistently on a timely manner. 

Only one payment was declined by them, while the other payments have been accepted. That one payment was not late because I went online and immediately made the payment after receiving the rejected payment letter from them. 

Again, they rejected the payment and cancelled every online payment setup on their own discretion. I never authorized any kind of cancellation. I have every letter they sent me, and my XXXX XXXX goes up every time there is a letter in the mail from them. The letters always state, " per your request, '' which is a blatant lie. It makes no sense. I have no reason to cancel something I am trying to keep active. 

I suspect they are trying to force my loan into default to get rid of my HAMP loan they inherited. This is fraud, deceptive and illegal. 

Again, I have never been late, have always had EFT payments made on the first of the month with XXXX and XXXX without any issues or delays. The ONLY issues have been in the last four months since PHH took over servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This letter is response to your correspondence concerning the above referenced account. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233. 


This policy was canceled due to being provided misinformation by infinity. I was quoted one price and a different was attempted to be taken out of my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation