vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX   Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
AS related to XXXX Equifax credit report please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX  - XXXX XXXX and XXXX XXXX XXXX XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX and XXXX XXXX XXXX. or as Equifax has fraudulently received false fact from XXXX XXXX XXXX and XXXX XXXX XXXX. please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiries XX/XX/XXXX, XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each hard inquiry from my credit report.  Furthermore, please email XXXX a copy of my signed authorization for each of: Soft inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each soft inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I have no idea who Credit Bureau Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Bureau Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

Credit Bureau Associates DID NOT PROVIDE ANY OF THE INFORMATION REQUESTED. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Bureau Associates as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Credit Bureau Associates } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Bureau Associates, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: EQUIFAX, INC.

Complaint narrative:
Getting a credit report - is very difficult if you live overseas- could be impossible.Equifax sent me a letter stating their requirements for a credit report at my XXXX  address.  I submitted 7 items to them: 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX front and back 4. Electric bill 5. 1099 from my pension company. 6. IRS letter with my name social security number on the from of the letter.  7. My social Security card. All were clearly readable by them.I was rejected by 4 customer service people!  One told me to resubmit all my data again and try again.  All told me - "We don't send credit reports overseas".  Why ?  I've received them in the past! I spent over 3 hours with them to get turned down by all 4 persons. I kept asking for a supervisor. The 5 person that I talked to at Equifax seems to understand - He gave me a confirmation number and I checked  it, it was mailed out XX/XX/XXXX. Equifax needs to train their people better.  On a follow up to correct my report, I asked to have my correct address in XXXX put in under a personal statement in my report. You can't do that I was told, no foreign address can be put into a credit report either as a personal statement or officially.  Again asking for a supervisor, i was told that my XXXX   address would be put into the report as a personal statement by me. There is no excuse for their insulate behavior in rejecting me because I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2019 I filed a credit card dispute through my bank for a $XXXX purchase of mentoring services. After filing the dispute, the merchant providing the mentoring services contacted me and we settled on a half refund. I provided the written agreement to the bank to support this claim. A few weeks later the bank informed me that they were deciding in favor of the merchant, claiming to have never received documentation from me regarding the written agreement. I am currently settling the dispute with the merchant in court, but we are unable to move forward because the bank has somehow lost the $XXXX   since the dispute was opened back in XX/XX/XXXX.The bank put a $XXXX credit in my account on XX/XX/XXXX, shortly after I initially filed the dispute. On XX/XX/XXXX, the bank took the $XXXX back out of my account and sent me a letter in the mail a few days later explaining their decision. The merchant is providing documentation from his accountants to support that Huntington Bank did not give him the $XXXX back on XX/XX/XXXX when it was taken out of my account. Several weeks have gone by and despite multiple requests, Huntington has failed to provide any proof that they did in fact put the funds back in the merchant's account. The bank has lost track of this money and is not doing anything to figure out what happened to it. They completely mishandled this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: MD

Complaint narrative:
I reached out to Trans Union, XXXX and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have called to let the bank know that there was a transaction that was cancelled on XX/XX/XXXX, but my credit card company still removed the funds on XX/XX/XXXX. I called my bank and told them this wasn't authorized. After it was reversed it seemed that the money was taken out and I put a dispute in. My account is overdrawn because of the automated XXXX dollar transfer to my savings account. Now my account is overdrawn and I have pending transaction that is gonna add up to XXXX DOLLARS NOW! THIS IS RIDICULOUS THAT THE SAVINGS TRANSFER CAUSED ME TO HAVE AN OVERDRAFT AND NOW IM GONNA GET A FEE FOR THE XXXX  TRANSFER ON TOP OF THE TRANSACTIONS THAT WERE VALID! IM SO XXXX TIRED OF TD'S XXXX SYSTEM!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 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: MD

Complaint narrative:
I reached out to XXXX XXXX, XXXX and Equifax a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: MD

Complaint narrative:
I reached out to XXXX XXXX, Experian and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
OneMain Financial, ran under the direction of the XXXX XXXX and the District Managers of XXXX and XXXX  in Michigan force licensed agents to include all optional credit and non credit product premiums into the loan quotes when selling or offering OneMains loans to consumers.  They have set a sales goal and this goal directly reflects your personal ranking within this District and Region and is used to evaluate your performance on a month to month basis. Your job at OneMain is contingent upon meeting this laid out sales formula to increase premiums for the profit of OneMain and NOT to disclose or be transparent to any of the consumers.  The company also tried to steer away from any customer who is over 70 years old as they cannot sell insurance products to them due to age as it reflects the sales numbers for  optional products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
on XX/XX/XXXX I attempted to transfer money from my account to a friend's account using XXXX and got notified that my XXXX profile was locked.  I called on the morning of XX/XX/XXXX was told that it would be a short hold and at 40 minutes decided to take their option to leave a message for them to call back.  Four hours later I still hadn't heard from them so I called back and was notified that the only way to get through was to wait on hold for 1.5 hours.  I asked that they call me back.  On the morning of XX/XX/XXXX I called back because I still hadn't heard from them.  I was told that I would be connected in 12 minutes as soon as the office opened and get put on hold for a XXXX XXXX service line and nobody picked back up.  I don't think there is any way to speak with Ally directly rather I get some proxy that is not capable of doing anything.

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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check into my account on thurs. XX/XX/XXXX at around XXXX XXXX.the check amount was $XXXX I got notification funds would be fully available as usual the following day XX/XX/XXXX a Fri. the XX/XX/XXXX passes nothing clears so I gave it until Monday to process Monday morning no change in status, so I called the bank wells Fargo and discussed with a rep I would like to have the check pushed throughthe verification process so I can acess the funds she informed me that the check "bounced" came back insufficient funds. I asked to speak to a superviser and she nicely transferred me to a woman who refused to identify by anything other then XXXX who works there....? she said it came back insufficient funds and that there was absolutely nothing that could be done until Fri the XX/XX/XXXX and funds not available until the XX/XX/XXXX the following Monday. I asked in several attempts for her to do a manual verification over the phone with the bank its being drawn from as I have done with MANY other banks many times and she said that's not possible there's nothing we can do. I asked if I can simply get the check back so that I can take it to the bank its drawn on and cash it to have access to the funds that was given to me. she said no then said well we could do a reversal and put in a claim but that could be 7 to 10 bussiness days before anything would happen. given that information I went to the person who gave me the check and asked them if there were any problems or issues (the guy is a multi millionaire)  he said no called his accountant and had him print me off statement that show the check he gave me for $XXXX cleared is bank fully on Friday the XX/XX/XXXX and left a remaining balance of $XXXX as of yesterday there was still a balance in that account of $XXXX. I called wells Fargo back to try Again to get them to give me the funds that not only were in the other account but that they have taken and are holding and refusing to give me access to that lady was VERY rude cut me off wouldn't let me speak and basically said I needed to be quite while she looked up my info. I also submitted a written complaint online asking for a call back from someone that can handle this manner swiftly and they have yet to contact or reach out as of this point yet .

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 2019-09-10 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: FL

Complaint narrative:
Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last

month the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Called in want to use my card they will not allow me to use money ive paid still asking for payment called in they will not allow me any access without front and back of my drivers license never contacted me via mail to advise or anything. Unacceptable and also not okay to require payment and not allow card to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
I received a loan in 2018 from Dixie finance in XXXX, Ok. The manager for Dixie finance I believe her name is XXXX. She harasses and threatens her customers. She has harassed me at my workplace and when I spoke with her she raised her voice and began to speak to me like a dog. Very degrading and disrespectful. She has chased people down in the grocery store or XXXX after working hours. She has sent them threatening messages on XXXX. She is very unprofessional and rude. She says she is out " collecting '' but I have seen her out shopping or at home. I've tried to pay her a lesser amount than what I owe & she refuses to take it and demands the full payment being very hateful & rude. I will not go back in there and pay my loan until she no longer works there. I refuse to continue being belittled by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
My current mortgage was sold to Roundpoint Mortgaging in XX/XX/XXXX  or XXXX  of 2019, in the process my old loan company did not forward the payment to roundpoint. Roundpoint never reported to me that the payment was not received from them, and instead erased all of my payments and moved them each up one month, this was done without my knowledge. About 6-7 months later I get a statement saying I owe them around $4000 for 3 missed payments. I called to get the situation handled which they would not work with me to handle. When questioning the current person from Roundpoint she told me when they moved my payments up a month they only put back what my loan payment was and the extra I had paid each month was not documented. They have threatened me with foreclosure and continue to harass me about this situation. This should be between the old lender and the new lender since I have made my payments. My credit had a 100% ontime payment history, so this is not a recurring situation for me. I have spoke with them multiple times and I’m greeted with rude employees who refused to help 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