vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD  receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AL

Complaint narrative:
I have a problem with my driving history report. 

First problem is that I'd got a ticket for speeding at XX/XX/XXXX and it appears two times in my driving history report. One of them should be removed from my driving history report. 

Also, at XX/XX/XXXX, when I was waiting at traffic lights, a driver hit my car from back side and immediately run away. It was late night and I couldn't see if there was a damage in my car or not. I called police just in case and she gave me report. Then I checked my car and saw that it is not a big problem, only little scratches. I did not even report it to my insurance company. I'm being shown as mistaken on this accident in my driving history report. 

I'm a graduate student and driving for XXXX and XXXX at weekends. Both these company suspended my account. Please help me about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form 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 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds. 

I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later.

In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it. 

I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX I contacted the CareCredit company to send the XXXX to my new address, so that once it was mailed, I could activate it. I was away for school and once the semester finished beginning of XX/XX/XXXX, I returned home to get the card from my mail and activate it. It said the account was closed on XX/XX/XXXX because the activation period had passed. I contacted the company to reverse this decision and reinstate the card so I could activate it seeing as I had the card in my hands, but they refused to do so and gave me the run around. I have paid my bills on time always with the company, and just want to use my card. It is not my fault there is a delay in things getting sent in the mail, and it is not my fault when there is a hectic semester and I can not travel back and forth between home at my convenience, nor is it my fault if it is difficult to mail sensitive documents and items back and forth when it is better for me to access these things in person.

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 2018-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. P.o.box is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning XXXX the IRS and check the books on all adults ssi paperwork and income and you'll see.

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 2018-05-10 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
XXXX and EMCE is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. XXXX is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning ca.XXXX.alert the IRS and check the books on all adults ssi paperwork and income and you'll see.

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 2018-05-10 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: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
TIDEWATER FINANCE COMPAN XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.

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 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I would like to submit a complaint against ( Louisiana Recovery Services ) regarding unknown medical account ( s ) in the amounts of {$91.00} and {$95.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Louisiana Recovery Services ) did not provided me with any type of notice regarding the account ( s ). ( Louisiana Recovery Services ) never mailed me any letters or communicated with me in any manner regarding this alleged account ( s ). I mailed ( Louisiana Recovery Services s ) a certified, registered and tracked letter via the United Stated Postal Services on or around XX/XX/2018 requesting debt/account ( s ) validation and production of documents pertaining to the account ( s ) ( Louisiana Recovery Services ) is reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not responded to my letter requesting debt validation and production of documents for the account ( s ) per the Fair Credit Reporting Act and Fair Debt Collections Practices Act but ( Louisiana Recovery Services ) continue to report the time-barred, unvalidated/unverified account ( s ) on my credit reports. Therefore, I contacted the original creditor ( s ) listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that Medicaid had paid all account ( s ) /bills.

These erroneous entries being reported by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.

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 2018-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an inquiry by the name of XXXX. I dont ever recall applying for this account without any consent. 

This does not belong to me. I have no relationship or account with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 3 different inquiries i have never applied for nor have any knowledge about. 

These accounts are listed below. 

1. XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX date : XX/XX/XXXX Why is there a double inquiry for the same company? 

I dont have any accounts opened by these creditors. 

I recently received a copy of my XXXX credit report I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.

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 2018-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a hold of my experian credit reports and have noticed numerous errors on inquires that i did not authorize on my behalf. Below they will be listed numerically. 

1. XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX Please help me with this dilema as it has been stressing me 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 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had to leave my job for medical leave and I didn't have any funds going into my checking account. I was able to use my debit card to overdraft twice maybe three times. After the second time or third time I was unable to do any type of overdraft on my account and I had called several times concerning this matter. I was always told there was nothing they could do about it. Even though I had " Next Day Grace Overdraft Protection '' I couldn't use it for small items like I was told I could when I signed up for the account. I tried on several occasions to try and make small purchases on my debit card which were all unsuccessful. So, knowing I didn't have income no longer coming in and the overdraft not allowing me to even do that I simply just haven't been checking my online banking. Recently I logged in to take advantage of the " XXXX XXXX '' tool CapitalOne has to offer and suddenly I'm $ -XXXX. The bank had allowed XXXX to overdraft my account twice in the amount of {$11.00} and added two {$35.00} overdraft fees as well. The first charge of {$11.00} and the overdraft charge of {$35.00} was in XX/XX/XXXX. The second charge of the exact same amounts were charged to me in XX/XX/XXXX. Again, I'm told there's nothing they can really do about it because they can't control what can be over-drafted and what can not be. The last substantial deposit was made in XX/XX/XXXX in the amount of {$210.00}. Once the money ran out, again I tried to use it for small purchases and a couple of large purchases as well just to see if it would let me use my card the way I had it set up to use. All transactions were denied to insufficient funds. I just don't think it makes too much sense as to how when the account had a continuous deposit I was not allowed to overdraft in any way shape or form. The card stops its flow of money and then it gets allowed to overdraft knowing there is not a steady income so I'm probably not going to be able to pay due to no job? I believe this is a complete mess!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
Ability Recovery Services is attempting to collect a fraudulent debt and reporting illegally on my credit report. In XX/XX/XXXX I sent, via certified mail, a 93A Demand Notice requesting validation of debt and informing Ability of their illegal reporting. They failed to reply. In XX/XX/XXXX I sent a second 93A Demand, via certified mail. They failed to reply however they did remove their listing from my credit reports. In XX/XX/XXXX I sent a third request for validation of debt. They failed to reply. 
In XX/XX/XXXX Ability fabricated the same account, claiming it was a new account, then again reported to the bureaus. They failed to provide me with my rights under federal and state law. They also added this " new '' fabricated account illegally to the bureaus in violation of federal and state law.

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 2018-05-10 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: AR

Complaint narrative:
On XX/XX/XXXX I received a letter from Equifax informing me that " at this time Equifax will not block the information subject to the submitted identity theft reports and/ or police report 's you provided as part of your dispute. '' Under the Fair Credit Reporting Act section 605B a consumer reporting agency may decline to block or rescind any block of information relating to a consumer if the reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of material misrepresentation of fact by the consumer relevant to request a block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

This is the second time within two weeks Equifax has violated the Fair Credit Reporting Act section 605B. Equifax failed to provide reasonable determination of any factual proof by not honoring my block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt appeared on my credit report without my knowledge of the debt existing. I do not owe this. I then received threatening phone calls that I was going to jail. Tried to have it removed from my credit report but apparently they have false documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was trying to purchase something and my card was blocked so I called the bank. And I found out my account has been closed. No warning or anything I then proceeded to go inside the branch to collect my money. I walked inside to speak to one of the tellers she discriminated against me and wouldnt give me my money. I never had a negative balance I always kept direct deposits coming through. They never gave me any warning or advance notice and wont give me a reason. This bank is capital one.

Company response to consumer: Closed with explanation