vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing 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 2021-07-20 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account Name : I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it 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 2021-07-20 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff Experian no one asked you to remove stick to the request nothing 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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I've been disputing this debt for years. The debt was nowhere near the amount reported. I desputed this amount with XXXX and they couldn't explain why the amount was inflated. The debt keeps getting bought by different agencies and none will actually look into amount owed and will not offer an explanation except that the amount is correct and continue to reject my disputes. The amount is more than double the original amount owed.

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 2021-07-20 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I received a letter from the XXXX loan servicing center. The letter states that they received my complaints, but this is the first correspondence that I have received from SECU regarding the issue. The letter states that signatures on promissory notes match the signature on the license. The also state that public records show a change of address from XX/XX/XXXX. The did not provide copies of the promissory notes or license. The advised that I have a SECU account which is inaccurate. When my identity was stolen, the person who stole my identity also stole my license. The same person signed the promissory notes replicating the signature on the license. SECU also did not provide copies of the documents that they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Was attempting have annual membership fees removed from a credit card and then canceling the card. After completing a payment to bring, what I thought was the balance to zero, they attempted to keep the account open and persuade me to stay with them by offering miles and additional membership perks I dont recall. 
When I turned down the offer they, went through the process of canceling the card. 

After completing the close questions. I asked so what happens to the membership fee now that we cancelled. I was told that because it was beyond 30 days I could not receive {$95.00} dollars back and if not paid it would incur late fees. Why was I not told this before canceling the card? I communicated to them this was the reason for the call. Why would I cancel the card in month 2 if I paid {$95.00} or knew I could not get it back? 

Then they told me there was nothing the rep could do and that I would receive a managers callback the next day. I did not hear from anyone for a week. Today when I called back in I was told an investigation into the matter would occur and it may or may not be successful and payment would still be due. How is this fair. I was with that company and maintained a line of credit for 24 years. I was insulted, tired of communication promises not being kept and made payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Paid the owed amount in XXXX after being told by a representative from Bank of America that it would remove the account from XXXX  XXXX  in 3 months. Disputed XXXX through XXXX  XXXX  because they didn't even report it was paid nor remove it. Have spoke with Bank of America fraud department in XXXX and was told very rudely that they can remove it but have every right to leave it on there for 7 years. They still have not removed. Now as of today XX/XX/XXXX, I have been told by a representative in collections that it would be the fraud department that would have to remove it and transferred me. Now on the phone with the fraud department and get told they can not remove it and I requested to speak to a supervisor. This is ridiculous when I paid my debt to make things right. They need to remove this. It has caused me so much stress and headache. This is not how you do business. Any other Bank would have removed it once paid and here I am going on 5 years of not being able to get a bank account and fixing to start a job that pays by direct deposit.

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 2021-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened up a Citigold package account in XXXX 2021 which would give me {$1500.00} bonus once I have {$200000.00} combined balance In there and keep the balance for 90 days. I completed the requirements and hadnt see my bonus posted yet. I called when I opened the accounts and I was told she can see the code. I called in XXXX and the representative assured me the bonus will be posted within 6-8 weeks after I completed the requirements which has passed.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a letter stating that per the modification agreement, the loan is subject to interest rate adjustments. The interest rate is set to increase to 5.25 % on XX/XX/2021. 

Per the contract that I have with Shellpoint, it states that interest rate may change on the first day of XXXX and every XXXX month thereafter. Why is it being changed on XX/XX/XXXX? Additionally, the rate is 2.5 percent added to the LIBOR rate, so how did it become 5.25 %? 

I have yet to receive a reply from you or the others I have contacted.I have tried to contact the Regulatory Correspondence Specialist, Ms. XXXX XXXX, and she has not responded via email XXXX or phone ( P ) XXXX I have tried to contact via their web portal in addition to calls. 

I have not received a reply.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had a delinquent report on my HSBC Credit card since the auto pay was returned due to non sufficient of the funds on XXXX XX/XX/2020. However, I have the HSBC Select Line of Credit for Overdraft Protection, which was setup to cover for non sufficient funds on the checking account. The HSBC Select account should have handled this case and there should not be a delinquent report. 

HSBC customer service said - " The HSBC select credit account will not cover for HSBC Credit Card payment as per the EZ pay policy ( auto pay ). " - They also mentioned this information is only showed at the time of enrolling the auto pay service. This is completely false. There is no mention of that. 

Here is what it says in a very small box during autopay setup : " Note : If there are not enough funds in your bank account to cover your payment, your credit Account will be charged a Late Payment Fee, as disclosed in your HSBC Cardmember Agreement. In addition, your bank may also charge a returned check fee. Your enrollment in the AutoPay program may be cancelled due to returned payment history on your Account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 50 days have elapsed since this deletion request was filed with TransUnion. Again, on XX/XX/2021, a second letter was sent to TransUnion demanding that they comply with the deletion request as mandated by the Federal Regulations ( FCRA section 609e, 611, 623 ). 

TransUnion has continued with the unlawful reporting of inaccurate information that has resulted in the loss of employment, business opportunity, denial of credit, and loss of financial standing. To this very day, TransUnion has failed to provide a proper investigation as mandated by FCRA and court rulings that require a proper investigation with supporting evidence. TransUnions act of unlawful and inaccurate information reporting continues to go on unabated with full knowledge of their willful and negligent conduct that undermines my credit as a consumer. 

I hereby request the involvement of CFPBs assistance in ensuring that TransUnion complies with the regulations outlined by FCRA.

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 2021-07-20 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received my social security XXXX check into my capital one checking account and it said that those funds were available for use. At about XXXX that XXXX I submitted a payment to my capital one auto loan. I received an email confirming that the payment was being processed. On XX/XX/XXXX I received an email from capital one stating that my payment was completed. Further more, when I looked at the information for my auto loan it showed the deduction for that payment and said my next payment would be due on XX/XX/XXXX. I used most of the remaining funds in my account that day. The following day, XX/XX/XXXX, I received an email stating that my car payment was returned for insufficient funds. But according to my account records, there was enough money in my account to cover the car payment all the way through the XXXX. I tried. Calling capital one on the 3rd, both the bank account division and the auto loan division and got no where. I tried calling both entities again on the 9th I think and the only explanation I got was that when the XXXX XXXX  payment was processed it brought my account to less than what was needed to cover the car payment. But according to my calculations based on the information from my capital one account, the money was still available. Also, like I already said, I submitted the payment on the XX/XX/XXXX and received confirmation that it was completed on the 1st. I have gotten nowhere contacting capital one and now I have a late payment fee as well as the damage to my credit of having missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a auto loan with Capital One Auto. From the beginning of this loan, I have been trying to get the payment to coincide with my pay day since I am on XXXX. I have never been able to work anything out with the company regarding this and thus significant late fees have accrued. I am couple of months behind on the loan and am not saying that some late fees are warranted, however, I do feel that {$1000.00} in late fees is excessive. I am willing to pay off the loan but I am not willing to pay it off with all of these late fees and have gotten no where with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This is a follow on to the previously made CFPB Claim Number XXXX, i : have attached the correspondence with them through CFPB. 
BMW Financial seems to admit it is a racket, i.e. the financiers at BMW knowingly finance material misrepresentation and outright fraud at BMW of North America.

There is not even an attempt to contact BMW of North America by BMW Financial when outright fraud has been presented to BMW Financial. i : don't see BMW Financial sending my verified claim to BMW of North America, LLC., even though BMW Financial Services , by their own admission, finance cars from BMW of North America , LLC . 
This seems to be BMW Financial Services ' admission that is a racket, i.e. BMW Financial Services knowingly routinely finances fraud committed and perfected on American consumers which has further damaged me economically. 
The very least BMW Financial Services should have and could have done, was to forward my claim to BMW of North America, LLC. or stop financing BMW of North America, LLC. until BMW of North America, LLC. furnishes ample relief to me based on their material misrepresentation to me to lure me into leasing a car with fabricated and false advertisement [ i.e. XXXX when the car does not even provides for half of that mileage advertised on the car ]. 
BMW Financial Services must forward my claim to BMW of North America, LLC. within 10 days, if in fact, BMW Financial Services is not working in a racket to steal from me working in collaboration with BMW of North America, LLC. Otherwise, that is ample and additional evidence, that it is a racket and both BMW Financial Services and BMW of North America, LLC. are liable for additional financial damages to me based on the racket they admitted to by failing to act when on repeated notice of outright fraud and misrepresentation, etc. 
CFPB must also penalize BMW Financial Services, following the 10 day cut off date for failure to remedy BMW Financial Services ' error -- to wit : BMW Financial Services must not be rewarded to be able to continue to finance outright fraud presented to consumers for luring consumers into buying or leasing cars from BMW of North America, LLC. by material false advertisement. 
This is precisely one of the main mandate of CFPB, to wit : protecting consumers from the same type of financial fraud committed and perfected on the People of this Republic by said perpetrators -- BMW Financial Services forming a racket with BMW of North America, LLC. to cheat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Company repossessed car without proper legal notice. Received a different response than the one provided as an answer to my complaint. Very abusive over the phone asking for {$420.00} in repossession fees. I invoked my rights under 15 USC 1692 c. I was told that my account needs to be " current '' before I would be able to get my property back. I disputed the validity of the debt and they stole my property, lied to you, and basically said that I need to pay or they are selling my car in auction, which can occur anytime. When I contacted the assignee, they said that I had to pay before they would say where the car is. 

I am being extorted, abused, and terrorized by this company for invoking my rights.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma, LLC
State: ME

Complaint narrative:
I signed up for a credit karma account a couple months ago and I asked for their credit Karma spend account debit card to be sent to me in the mail. You can load funds onto the card and use it as a normal debit card. I am a recipient of unemployment and I asked for my unemployment benefits to be direct deposited into my spend account through credit Karma. There is a substantial amount of funds in the account however credit Karma has locked my account and not giving me any reason as to why they would do that or continuing contract with me. The stopped speaking with me after an hour of trying to resolve the issue.

Company response to consumer: Closed with explanation