vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
At XXXX, I received a phone voicemail from my XXXX XXXX to call back. 

" Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX. 

I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation. 

I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed. 

I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference. 

I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day. 

I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC. 

The person is XXXX at XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I took out the loan in XXXX but the following year, I XXXX  my job, home and all financial abilities to pay back this loan. I was forced into a forbearance. I attempted to apply for the hardship exemption but Sallie Mae never responded to my claim. They ended up taking over {$2000.00} in tax refunds for a couple of years. However, those payments were never shown on my file. When XXXX took over, I attempted to work out a payment plan. they indicated I needed to pay the full amount or be placed in another forbearance. I was working at a XXXX XXXX XXXX. I was not making ends meet and I could not afford this amount. So each year the payments were attempted but too much to pay back. Which XXXX rent being so high, I can't afford the {$200.00} + payments. I attempted to apply for the Public service forgiveness. They told me I was wasting my time. They refused any info other than I needed to pay the loan in full. I worked for a XXXX for XXXX  years and moved to a different XXXX  organization. Navient stated I could not change jobs the only way I could apply for a public service forgiveness is if I started all over again with my new job. Then in XXXX, I was told ( right before Navient switched to XXXX ) I had to consolidate the loan to a loan with the Dept of Education or I would not be eligible. only to find out that I now have to start at zero again. I might not be eligible for the Sallie Mae/Navient forgiveness XXXX They really lied to me and misled me to believe I had no options to pay this back. They stole my tax money and never applied it to the loan. now, when interest rates should not be applied, I owe more than I owed in XXXX. Over {$11000.00}!!!! This is a loan shark! They will have me paying this long after I am retired. This is not fair! What makes me ineligible for the same programs as most people struggling? I was XXXX and there is nothing that could help me? They stole from a XXXX  women trying to survive. That is wrong and now, after XXXX years, there is still no help or apology? This is not justice!!! How can I get help? How can I get back the time taken from me because I was conned into consolidating before the Navient transfer? does Washington know how Navient is still messing with people?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens bank reported an unathorized inquiry on my credit report specifically XXXX and XXXX. I have no knowledge of this transaction, and I want to report this suspect inquiry. ( FRAUD )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with The Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by 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 non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Inquiries Want them removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: DE

Complaint narrative:
Hard Inquiry from XXXX CARD SERVICES on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX FS on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One took me to court in 2017 & the XXXX ruled in my favor dismissing the case with prejudice. However, XXXX has put this debit on my Credit Report & refuses to remove it although I have provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I submitted disputes myself to Transunion and they failed to respond within 30 days to my XX/XX/2022 letter and then on my XX/XX/2022 letter basically saying they claim I did not file my claims myself. I mailed the letters myself and attached my drivers license and social security number. See below the letter they sent. 


We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 
It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the informat ion on your TransUnion credit report at transunion.com/ repairletter. 
If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/ repairletter. 
You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. States I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Last Thursday, I received a phone call that went to voicemail. It was apparently a recording, since the beginning was cut off. It turned out to be from a collection agency that threatened to file a XXXX and report me to credit bureaus. The message told me to go to their website, XXXX 

Since I was unaware of any delinquent payments, I went to their website. The name on the collection agency 's website was XXXX XXXX XXXX. The phone number is listed as ( XXXX ) XXXX, but there was no email or postal address. I was asked to enter my phone number and the last XXXX digits of my Social Security number. My supposed debt was to Washington Mutual, a company that ceased to exist in XXXX. 
I did at XXXX time have a credit card from Providian that got taken over by Washington Mutual, but that debt was discharged when I filed for Chapter XXXX bankruptcy ( Case No. XXXX, Date of Issuance : XX/XX/XXXX ). I dug out the paperwork I received afterward to make sure that my debt to Washington Mutual was, in fact, listed among those that were XXXX. 

According to the last page of the document, " The discharge prohibits any attempt to collect from the debtor a debt that has been XXXX. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take an other action to collect a XXXX debt from the debtor. '' After visiting XXXX 's website, I received a text message from " XXXX with XXXX '' ( XXXX ) offering to help resolve the matter, but ending " calls XXXX continue unless already resolved. '' I replied that this was a debt that had been XXXX to a company that no longer exists, and said that I would be reporting these attempts to the appropriate authorities. I received another call today, identical to the first XXXX but from a different area code. These calls are causing me to lose sleep and be unable to concentrate on my work! 

I am attaching a recording of the call I received today ( Monday, XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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:
These accounts do not belong to me, please block and remove per XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX card had been hacked. Someone fraudulently stole a total amount of {$800.00} out of my card account. 
On XX/XX/XXXX, an ATM withdrawal of {$300.00} was fraudulently taken. Then, on XX/XX/XXXX, an ATM withdrawal of {$500.00} was taken out of my account. 
I opened up a claim with Bank of America. Bank of America have denied my claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my husband of 12 years has to pay the bills, do the grocery shopping and withdraws money from my account to make our purchases so we can live. My husband and I are the only ones who has access to my account and know my pin number by memory. My husband is my official caregiver. 
That money that was stolen from me was supposed to pay two very important bills that I yet to pay because I don't have the money now to pay it. 
I have made a Police Report and obtained the Police Reports transaction no : XXXX. 
B of A claim no : XXXX. 
I am filing a complaint with Bank of America to please refund my money of {$800.00}. 
Thank you, XXXX 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 2022-05-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In attempting to apply for a home Loan equifax would not release my report After numerous calls to them they claimed to have my name incorrect as well as address needed update. 

I faxed the information to them on XX/XX/XXXX I followed up and they claimed not to get the fax I then sent them another fax, as well as a certified letter. 

I followed up with them again today and the information had been corrected. 

However equifax is STILL not releasing my credit score or report to XXXX or XXXX. 

This is severely impacting my life and I dont know what to do at this point. Numerous calls to equifax and Im being told there is no issue- but they still wont release my score to my banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Credit Plus Inc
State: TX

Complaint narrative:
Inquiries Want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
Inquiries Want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried on several occasions to reach Equifax, I have emailed, called, stayed on hold, no response. They say they will call back, again no response. They have charged me a fee of XXXX and I am not getting that service. When you go to their website all it gives you is an error, but I have been charged. The XXXX time I did get someone, while I was on the phone with them, I received an alert that says my Equifax email was updated to the existing email I already have. I have never changed my email. I questioned the agent, who is offshore, all he said was " so what do you want it to be ''. He then sends me some text alert. He never acknowledges my concern. I try and call back of course as usual, never receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation