vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX. 


Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: OH

Complaint narrative:
I got another letter this time from key bank so 2 different banks XXXX XXXXXXXX and key somebody is opening up checking accounts in my name!!! With what no ID!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc.
State: AZ

Complaint narrative:
My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NJ

Complaint narrative:
XX/XX/2021, {$940.00}, submitted an ftc for identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 — Investigation took more than 30 days
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I lived in XXXX and lately I have been scammed online. I was paying a XXXX XXXX for a package of online for a friend. Unfortunately, it turned out that the whole situation was a scammed. 
I made an initial transaction of usd {$3000.00} sending to an account given but made a mistake written my name as the receiver. I cancelled immediately on the same day at my bank ( in a couple of hours ). This occurred on XX/XX/2021 and the banking process was finalised on XX/XX/2021 that the account holder will not release my money. I have spoken to Suntrust Bank, I was unable to solve the issue. 
I have lost usd {$8600.00} to the scammer, the total amount requested which I can not contest as I have sent in his name but the first transaction was sent wrongly under my name and the bank should have hold onto the money as requested by the sender ( me ). 
Please help me to expose these scammers and return {$3000.00}.

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 2021-03-14 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 — Investigation took more than 30 days
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: IN

Complaint narrative:
I am a victim of identity theft the following accounts listed in my doc and on my affidavit how been furnished without my consent or my authorization. 
This have been very damaging to my reputation as a consumer. and is a infringement of my privacy.

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 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This complaint is for validation of the alleged debt within 30 days. The company RMP LLC is on my credit report reporting an alleged debts of {$100.00}, {$510.00}, {$370.00}, {$510.00}, {$220.00}, {$67.00}, and {$53.00} the company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: MD

Complaint narrative:
On or about XX/XX/21, my credit score on experian.com dropped by 14 points. Leading up to the drop, I received alerts indicating that my FICO score went up. The drop, therefore, made no sense since I had lowered my credit usage. I contacted Experian by online chat ( transcript attached ) and, although the customer representative was pleasant, she didn't properly express the reason for the drop in the score. If you look carefully at the chat, you'll see that the rep used a canned reply about the decrease ( she couldn't have typed her response that quickly and this tells me that the problem with consumers is not that uncommon ). 

Experian has some premium services that you can sign-up for to increase your credit score. I don't use those premium services and shouldn't have to as long as data/activity is correctly reported. 

Thanks for looking in to this matter!

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The collector is National Credit Systems and they are reporting negative information that should have been discharged in bankruptcy and it is adversely affecting my credit score in being able to secure a mortgage for a house this year and I think that they need to delete this information immediately or I will get my bankruptcy lawyer to seek punitive damages in a defamation lawsuit because of the negative information being reported inaccurately to XXXX Credit Bureau. There is a right of stay for a reason and they have broken the right of stay and I will seek legal damages if they do not correct it and DELETE THIS INFORMATION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 — Investigation took more than 30 days
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Hi On XX/XX/XXXX XXXX, opened checking and saving account at Citibank. {$1000.00} to checking account, {$50000.00} for saving account On XX/XX/XXXX XXXX I received a letter from Citibank, " say they can not deliver my statement by email '', I went to my account check, and then found My all money was withdrawn by someone on XX/XX/XXXX and account was closed, but it is not mine. I checked, but my email address and phone both are correct. 

On XX/XX/XXXX and XXXX XXXX, I spent several hours to call, nobody can give me some reason and just told me my money was withdrawn and account closed. I called fraud phone, at first 2 people told me and ask me give time to check and then hang up my phone, Finally one lady told me I will receive a letter last week and express what is happen, but I don't receive this letter. I do not know how can I get this money back. so I ask you help.

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 2021-03-14 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 — Investigation took more than 30 days
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX XXXX and don't plan to sell, however reducing my credit score to XX/XX/XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Sent a letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX letting them know that XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, Mrs. XXXX lost an XXXX XXXX XXXX XXXX XXXXl. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused 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
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
This complaint is for validation of the alleged debt within 30 days. The company Merchants Credit Guide is on my credit report reporting an alleged debt of {$410.00}. The company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal limited my account around XXXX and told me i had to wait 180 days to withdraw my remaining funds and can no longer use there service. I got no reason to why my account was being limited just that it was. Fast forward to the future 180 days have passed and they did not email me nor contact me about receiving my money in any way shape or forum. I have XXXX dollars on PayPal just sitting there which they wont let me withdraw. PayPal has no contact number nor email nor does they message system work they have no contact info and refuse to release my money which they have sitting on my account doing nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by XXXX XXXX, XXXX, through a law firm XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with Synchrony Bank back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX XXXX only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
In latter XX/XX/2020 I signed up with XXXX XXXX XXXX to help with my credit to repair it. They are doing an excellent job on removing items from my credit report. I do not have a complaint with them at all they are doing an excellent job. In latter XX/XX/2020 I felt things were at a standstill and I called PORTFOLIO RECOVERY about two of my bills that they have in their collections office. The accounts are XXXX XXXX account ending XXXX and XXXX 's last four ending XXXX. Both of these accounts are going to be three years old in XXXX. I called them to notify them that the cards were stolen out of my car and that I had a police report but they said there was nothing they could do. Right after that they added {$220.00} to the account and then they put it back on my credit report via the three bureaus. My credit score went down eighty-nine points. My question is how can you add {$220.00} to an account that is charged off and closed with XXXX XXXX but they added this amount like it was a brand new transaction. I have tried to dispute with all credit bureaus but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a senior citizen who had Citi Bank Master Card for many years. I always paid my balance in full all the time and my credit is also in good standing position. Today I went to grocery shopping and my card was declined! I went to second store for shopping and that was also declined which was quiet embarrassing experience that I had in my life! 
I called the number printed on the back of the card and I was told that my card was cancelled by them for inactivity! I was not aware of any thing like this. Anyway person named XXXX asked for my personal information to reactivate the card and I made sure that I do not want to pull my credit. 
After taking my information he declined to reactivate my card so I requested to talk to the supervisor in charge. I was directed to talk to the person named XXXX and I again made sure that I am not applying for new credit card and I do not want to have my credit pulled if not necessary and I do not want to apply for new credit card. 
He trapped me and took my personal information as well as my Income Expenses over the phone to reinstate the credit card. At the end he turned around and told me that they will let me know if my card gets reinstated or declined! 
Being a giant credit card company I think its not appropriate to : 1. Deny someone's credit card for nothing!

2. Get personal information and kind of reapplying for reinstating my credit card despite my denial!

3. I was stranded due to Covid-19 situation and also was unable to do my own shopping in person at the stores due to Covid-19. This not right way to treat senior citizen.

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