vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: MI

Complaint narrative:
In XXXX I filed a complaint with the Consumer Financial Protection Bereau in regards to a company calling me indicating I owed a XXXX XXXX debt that I never owed. I explained to them the only debt I owed to a XXXX XXXX account closed on XX/XX/XXXX was fully paid. They insisted that I still owed an amount. 
I then, filed a complaint, but CFPB was unable to send my complaint to the company for a response. The complaint number is XXXX. 
Today on XX/XX/XXXX, I received a letter from Premier Credit of North America LLC indicating again that I owed an amount to XXXX XXXX and I do not. This debt was already paid in full per agreements with XXXX XXXX XXXX. 

I am including the transation documentation for the debt I paid off with XXXX XXXX through XXXX XXXX XXXX back on XX/XX/XXXX. In addition an statement of my XXXX XXXX account which shows on all documents I am providing. 

In addition, I have all my credit reports which indicate this debt was paid and not such debt is outstanding on any of my three credit reports. 

This is a FRAUD of something trying to collect money on a debt that was paid in full.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I previously submitted a complaint with CFPB on XX/XX/2020 and HSBC responded to the complaint on XX/XX/2020 by promising that the credit would be posted to my account within 4 weeks. After more than 2 months, the credit has still not been posted. My original complaint is copied below for reference. And HSBC 's previous response, which they never fulfilled, is also attached.

-- -- -- -- -- Original complaint follows >>>>>>>>>>>>>> I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: DISCOVER BANK
State: UT

Complaint narrative:
The information that is being reported on my credit report is not accurate. 
Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( opened XXXX. XXXX, 2017 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing today in regards to my account with US BANK account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
This is a follow-up from my complaint from Friday XXXX My complaint number is XXXX. I am also filing a new complaint to BOA which owes over XXXX dollars and for some reason they think I owe them!!!! They took out XXXX dollars out of my Unemployment check!!! the first time I got to received the extra XXXX. That is my RENT MONEY!!! There is a federal regulation that states that right??? 

Please help me I have been dealing with them on my claims for the last 4 1/2 months and I have not gotten satisfaction thru the Bank Of America, Now they are taking my unemployment money from me!!!! They cant do that ... ... ... I am also sending along copys of my bank statements to you for further documation Please help me I have been holding off rent only paying half, waiting for the extra XXXX from the goverment they cant take my unemployment when they owe over XXXX in claims, I was told by a supervisior that my claim for XXXX XXXX was done by me. How can they know that when it was done on line ... .XXXX XXXX told me this when I inquired this pursurse on XXXX there was a retured from XXXX XXXX on XXXX for XXXX and XXXX which the total was XXXX OK but the total for the entire pursurse was for XXXX so the bank owes me still XXXX and they closed it really???????? 


Thank You for your time, XXXX 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 2021-01-25 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2021-01-25 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:
There are currently numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing today in regards to my account with WF CRD SVC account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had an account with XXXX XXXX/Syncb which charged off several years ago. I have tried multiple times to pay off this account but they say that it is not collectible and they can not take payment for the account as they issued a 1099 for the account. I need this account to report a XXXX balance and from what I understand by law they have to either take payment or report this as a XXXX  balance if they issued a XXXX. I have sent letters to both XXXX XXXX  in XXXX and directly to the credit bureaus XXXX and XXXX  in XXXX, XXXX and XXXX requesting that the balance be updated to XXXX but nothing has been updated. I had also enclosed proof of the 1099. I ask that this be corrected on my credit report to a XXXX balance OR allow me to pay the balance so that it will reflect a XXXX balance.

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 2021-01-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I went to the post office and I mailed a certified letter to Equifax XXXX XXXX XXXX XXXX Georgia it was estimated for XX/XX/XXXX however it was delivered on XX/XX/XXXX but Equifax denies getting it after I followed up on it on XX/XX/XXXX and confirmed acceptance of delivery. They dont own up to be responsible for this matter but blames the issue on the address maybe being wrong if the PO Box for disputes is wrong then they failed to update on there end to customers or any third party who sends mail to it or providing on there website

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I was furloughed due to COVID19, I filed for unemployment. 
I called Shellpoint Mortgage but the wait time is over 30 mins and no answer. I went online to submit the requests for assistance. I received letter requesting documentation on XX/XX/XXXX. I tried to call on several occasions, however wait times are crazy and online is not detailed nor provides updates. I finally spoke to someone XX/XX/XXXX they asked me to send in documents, so I did. I was advised today XX/XX/XXXX that the forbearance ( credit and late fees protection ) does not include XXXX or XX/XX/XXXX, only XXXX, XXXX, and XXXX. My hardship started in XXXX, however my first payment missed was in XX/XX/XXXX, and the forbearance does not cover XXXX at all, which is ridiculous and does not make sense. I started working as of XX/XX/XXXX and have started making payments. I reached out to get updates and XXXX in Loss Mit said she will review for deferment for XXXX and XXXX payments but the forbearance is only for XXXX, XXXX, and XXXX. The forbearance period should cover the time in which the hardship began and the hardship letter and all documents provided indicate my hardship started when I lost my job, and thus missed the XX/XX/XXXX payment. This needs to be rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Went to Toyota in XXXX XXXX XXXX, FL on XX/XX/XXXX and was trading in my lease to purchase a Toyota XXXX XXXX. Dealership failed to notify me of interest rate prior to signing documents of the loan term, did not disclose full loan amount and pressured me into purchasing warranty I did not really want. I had fraudulent accounts on my credit report and did not know at the time, which results in my outrageous interest rates. When signing documents at the end, When asked the interests rate the employee said he will tell me at the end. He scrolled through paperwork quickly and had me initial only. Did not allow me to read what I was signing even though I had asked to. Told me he will go over it after I sign it. Sales associate states that the vehicle price was totaling below the sticker price and after signing onto my SETF account I see the cost is much higher than sticker price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX XXXX-opened and account with Ginnys. XX/XX/2020 I attempted to make a purchase from Ginnys. They immediately started new account triggering a hard inquiry. I asked why and they stated it was the policy to open a new account for each purchase to see if i'm qualify. I asked why since the money was already available in my account for the purchase and I was not asking for more. I then requested that the hard inquiry be removed from my credit report. I made more than 3 calls regarding this matter and was then told it will be removed from my account in 30 days. I have made several calls since and it is still there. The only thing closed was my original account and they transferred my balance to the new account that they made. I have since closed my account with them and making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/2021 : Employee was misleading and dishonest when setting me up with my credit account for this. He didn't explain terms or anything like that and didn't give me any information until after the transaction was made and I asked for it. I didn't even realize it would be a credit card ( and not just a store credit account ) until the transaction was complete. He also said I could pay off the balance right away online or by phone but I haven't been able to do that yet since Synchrony is still setting up my account. 

I felt like he was trying to pressure me to sign up without fully disclosing the terms or costs. 

I sent an email to them on XX/XX/2021 expressing my dissatisfaction.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/2021 and I saw some collections had been added to my credit reports XXXX XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Below is what I have sent to numerous customer service research emails for Dovenmuehle. 

I am writing because XXXXXXXX XXXX, Dovenmuehle and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XXXX of XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for Dovenmuehle to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX XXXXXX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.

Company response to consumer: Closed with explanation