vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.

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 2019-02-19 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: IL

Complaint narrative:
I explained to Experian that this account is too old to be reporting to my credit report for XXXX XXXX XXXX XXXX. I have requested that this account is deleted from my report but they still report 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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I received a W2 from TD Bank for XX/XX/XXXX. I was not employed by TD Bank in XX/XX/XXXX and called HR and spoke to XXXX on XX/XX/XXXX to inquire what the W2 was for. She thought I had received someone elses W2 in error and said someone would get back to by the next day with steps to take to resolve. I received an email from XXXX XXXX on XX/XX/XXXX informing me that the W2 was for a payout from my HSA account that I received on XX/XX/XXXX. I explained to her that not only did I not receive an hsa   payout but I did not have an hsa account at that time. She informed me that payroll does not handle elections and I would have to call the TD Benefit Center. I called the benefit center and spoke to XXXX on XX/XX/XXXX. XXXX called the hsa provider, XXXX, and we both spoke with XXXX. XXXX confirmed that I did not have an hsa account at that time. XXXX recorded the entire conversation and I asked if they could trace where a check was sent or to what bank an electronic deposit was made. He said thats what would happen and that I would get a call back by Tuesday. On Tuesday, XX/XX/XXXX I received a 1099 DIV in the mail. I called the benefits center back and was told the same thing as before ... its for an XXXX payout I received. I have no idea if this is an error, if I have an identity theft concern, or if there was fraud. Both the W2 and 1099 are for the state of NJ. I reside in Maine and have never lived or worked in NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
XXXX is an agency employed by USAA to manage mortgages and escrow accounts. XXXX manages our mortgage and escrow accounts. 

Our property has two tax accounts on it. XXXX paid one account in the amount of {$6.00} ( with  {$0.00} credit for full payment on time ). This account was paid on time, by XX/XX/2018. XXXX failed to identify the second tax account on the property. They failed to pay on time, thereby forfeiting the 3 % discount available ; and they incurred late payment interest charges. 

We had paid sufficiently into the escrow account to cover the second tax bill. XXXX mailed a check to us because they did not recognize the further tax obligation. 

We identified the problem and notified XXXX of the error on XX/XX/XXXX. XXXX directed us to destroy the overage check, and promised to pay the outstanding balance. 

Multiple phone calls and two letters have ensued as we attempt to correct the problem. XXXX eventually paid the taxes, but have made a mess of our account. Our escrow account should show a balance of {$1000.00}. They indicate a deficit of - {$2800.00}. They can not account for the balances or deficits that they are reflecting on our statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
I don't know what this debt is for. I disputed it through XXXX XXXX but didn't receive any details back as to what the debt is for ; just that they say it's valid. Aren't they legally supposed to send me a validation letter explaining the debt since I have disputed it? 

I called on XX/XX/XXXX to find out more and the rep said it was given to them XXXX of XXXX and was passed onto them from another collection agency. That is was for an account opened back in XXXX. She could not tell me exactly what the amount was for, and I don't recall. I don't have a record of receiving any letter from ERC or another company regarding this debt. 

Also, isn't this past the statute of limitations per the Fair Debt Collection Practices Act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
At approximately XXXX2019 from Synchorny Bank XXXX XXXX XXXX XXXX Fl. XXXX notified me thru my PayPal account about unverified charges on my account Mastercard ending in XXXX -in that a review to verify recent activity on my PayPal account- I called and talked with rep. she informed me that I had a third party phone that is not secure and unable to help me then asked for a cell phone number which I informed her that I live in a rural part of Oregon and poor reception and use the cell for going to town and such in the city 40+ miles away -- She informed me thatmy cell phone is also invalid and could not communicate to me the nature of the problem and would mail me a letter with a number on it to verify who I was-Strange when I call they have my number and social on file and address and cell number- I received-the new correspondence on or about the first of the Month I went to call the next day but the letter was misplaced- I finally found the Letter and called in on the XX/XX/XXXX and went thru the verify situation again phone number and SSI number again I was told number was 3 days over the limit and unable to talk to me -I finally got the person to issue a new number and used call waiting on my phone -Then it started all over again - I want to know if my account has been compromised and no answers! XXXX should I pay my bill they shut it down and won't let me communicate with them- I feel as though a big circle is evolving with little to no results! Please advise

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 2019-02-19 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: GA

Complaint narrative:
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX FKA XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2  Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
Equifax and XXXX  are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX   and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX  on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
This is the third time I've applied for one of your credit cards and the last 6 months and I know that probably seems a little excessive but at this point it's the principle of the thing you keep telling me you can't verify my identity I don't know how that's possible even if I had transposed and number or letter somewhere on the first application there's no way I made a mistake on all three applications it just isn't possible and believe it or not years ago I had an HSBC credit card account in good standing and you sold it to XXXX XXXX which means that I was a customer of yours at one point with the same date of birth in the same social security number when I fill out the application you have me put in my Michigan state ID information so are you saying that the state of Michigan doesn't know who I am I have a passport I travel all over the world are you saying the federal government doesn't know who I am because I give these government agencies the exact same information that I'm giving you and they're able to verify my identity but for some reason you are not and whenever I call your only solution is for me to reapply you never know why like I said it's the principle of it at this point I have a wallet full of credit cards it's not that I necessarily need another one but the fact that you keep declining my application for only one reason is you claim you can't verify my identity I'm assuming because you're using some computer system and instead of somebody a human being with some common sense looking at the application and saying well obviously this is XXXX XXXX you're relying solely on some computer system that is clearly mistaken I'm sorry but there must be some way that I can prove who I am to you do you need copies of things copies of my birth certificate my passport what exactly is it that you can't confirm? I will file a complaint every month until someone fixes the computer system that is clearly not working right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I have been traveling with my job since XX/XX/XXXX. Last week, I received noticed from my credit card monitoring program that my card has been closed. I never recieved any notifications before this point. I have been a card member since XX/XX/2013, with this company and I never paid late or went over my credit limit. Back in XX/XX/XXXX I lost my job and was searching for work for several months. I loss my job do to technology replacing people. During this time I to use my credit cards to make it through this transition. Never paid any thing late. Now my balances are pretty high on some cards which I will be paying them all off here in the next month. I have sold my house. My problem is I am going to get a new mortgage. Now I have to explain this to my lender for my new mortgage plus this also lowered my credit score. Just a single mother trying to make it in this unfair world we live in. Funny how the middle class keeps getting penalize for something that isnt their fault. These huge financial institutions shouldnt be able to do this to us. I mean I had no advance notice this is was going to happen. Plus, I just received my new card from XXXX XXXX XXXX through the mail. Never received the letter they are telling me about.

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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Greetings XXXX is XX/XX/2019. 
I just attempted to have Chase Manhattan Bank address and resolve this issue and i am givin the runaround. This is about the 4th time Chase has done this. 
Inaddition, Chase was notified not to allow anyone to access my account and they did exactly the opposite. Not only did they allow someone to access the account. They also allowed someone to over draw a account that only had a {$1000.00} line of credit. So now the account is over drawn. So now that they have made this error due to incompetence, and disorganization. They refuse to remove this charge. 
In my best interest the account is being paid the minimum monthly because closing the account only benefits then to beable to charge this account off and sell it to a collection agency. Which is another headache. I appreciate your assistance. Please don't hesitate to contact me for further details. I have all of my notes, dates and representatives i spoke to. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: NY

Complaint narrative:
On XX/XX/XXXX I got hit with New Inquiry from XXXX which I noticed XX/XX/XXXX on my XXXX online account. I called XXXX to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my Experian and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.

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 2019-02-19 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: Helm Associates
State: GA

Complaint narrative:
I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: IL

Complaint narrative:
I have contacted TransUnion & XXXX several times about XXXX XXXX XXXX. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report 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 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX refused to open my account located on XXXX XXXX XXXX, Ny XXXX. Bank manager XXXX told me that his boss wont open my account after he told her there was an error with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Received a notification from XXXX  that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
XXXX  and Transunion are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-02-19 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX and XXXX are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation