vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Dispute with HSBC credit card company ... ... ... ... .... 

In re : Credit Card Account ending XXXX ( original account ) In re : Credit Card Account ending XXXX ( new account opened after fraudulent charges on XXXX ) Some quick background. In XX/XX/XXXX, the balance on account XXXX was {$0.00}. Then, in XX/XX/XXXX, two fraudulent charges were made on the card for {$100.00} and {$53.00}. HSBC investigate those charges and found them to be fraudulent. ( Note : HSBC confirmed that in a letter to me dated XXXX, XXXX, XXXX ). 

That should have been the end of the story. I have not made any charges to either account XXXX or account XXXX since XX/XX/XXXX when my account balance was {$0.00}. At this point, neither account should show a balance. 

However, I received a letter from HSBC collections department dated XX/XX/XXXX stating that there was a balance owing on account XXXX and that I should give them a call if I had any questions. I called in and reached XXXX in the Collections and Recovery Department. She reviewed my accounts and confirmed that both accounts should be at XXXX and that she would be adding notes to the accounts reflecting her determination. She could see that the accounting mess up occurred around XX/XX/XXXX when the new card XXXX was open up. It looks like the credits for the two fraudulent charges were applied to account XXXX, leaving the fraudulent charges on account XXXX. The credit applied to XXXX was never sent out to me, only a credit check for some misapplied late charges and interest. 

In closing, as I mentioned to XXXX, I have had to spend way to much time with HSBC over the past 10 months trying to resolve this issue. She agreed and apologized on behalf of HSBC commented that it was a mistake on HSBCs part and that I definitely do not owe anything on either card. However, when I go online and check my accounts at HSBC, I can see that there is still a balance owing on account XXXX with multiple late charges being applied. 

To summarize : -- {$0.00} balance on account XXXX in XX/XX/XXXX -- Two fraudulent charges in XX/XX/XXXX of {$100.00} and {$53.00} -- New account XXXX opened and original account XXXX closed -- HSBC Fraud Department investigation into above charges determines that they are fraudulent and that I am not responsible for the charges -- I have made no other charges on either card XXXX or card XXXX since the two fraudulent charges were made in XX/XX/XXXX -- Ending balance on card XXXX should be {$0.00} -- Ending balance on card XXXX should be {$0.00} Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter back from XXXX  stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Target Card Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received two letters from Chase Bank stating that theyre closing all of my credit card accounts and checking account. First, I thought it was a scam or joke. I called the phone number on the letter three times to speak to someone and all three times I was told that they cant give me a reason why theyre closing my account. 

I been a loyal customer with Chase bank for over a decade now. I had a auto loan thats paid off. I have my checking account with Chase bank since XXXX. I have five credit card with Chase thats been paid on time and in good standing. Never missed a payment and currently have XXXX balance. 

Im really hurt and disappointed with Chase bank because theyre not telling me why theyre closing my accounts and all I did was be a loyal customer. I have excellent credit and make over XXXX figures. Never did anything illegal and been a honest human being. I dont mind taking my business elsewhere. I know there are plenty of financial institutions that would take my business within a heart beat. It just makes me feel now that Chase bank is racially discriminating against me because I didnt do anything wrong for them to just close all of my accounts without a legit reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Follow up with COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 citi card told you and I that they will resolve by XX/XX/2020. 
However they did not contact me or resolve that. 
That is not first time that citi play games with me about the issue.,

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 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
EOS CCA  collection agency reported an account to my credit on XX/XX/2020 for {$180.00}. I have never done business with this company and this account has affected my credit report significantly. I also never received a dunning letter or any other type of notification from this company. 

I request for this account to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive been trying to get copies of my credit report for years. No one is able to get a copy of the report not even the mortgage company Im going through. I have called I have sent certified mail with a copy of my license, social security card and a utility bill with my address. I not able to access through any free credit reporting agencies, Im not able to access through the Equifax website. Though I keep getting emails requesting that I pay for a service to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Hello, On XX/XX/20 Military Star Card agreed to a settlement amount of {$350.00} and sent me a settlement offer. They then drafted the payment and are still reporting the debt as not paid on my credit report. The collection should be removed from my credit report as they agreed to the settlement. They are also still sending me letters in the mail to make a payment.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One withdrew {$1200.00} from my checking account at XXXX XXXX. They took {$620.00} twice. After alerting XXXX of this unauthorized withdrawal XXXX IMMEDIATELY refunded me. However Capital One reported my account as delinquent to the 3 credit bureaus causing a 250 drop in my credit rating. On top of that when l opened this account with Capital One they mistakenly withdrew {$500.00} multiple times causing 6 overdraft fees of $ XXXXea. Totaling {$200.00} which they promised to pay but NEVER did!!!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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: OH

Complaint narrative:
On XX/XX/2020 I submitted a validation request with XXXX XXXX XXXX. I received to response to my request. I also disputed with experian and it remains on my credit report as verified. However no one have provide me with any details or acknowledge to an unknown inquiry on my credit report.

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 2020-10-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter back from Transunion stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Transunion. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I got a refi from Interactive Mortgage, signed closing docs on XX/XX/2020, supposed to fully fund on XX/XX/2020. Come Thursday XX/XX/XXXX, I emailed Interactive Mortgage, and XXXX XXXX who is the loan processor said there is an issue with my middle name and title. I emailed the loan agent who put it together, her name is XXXX, she was out of town till XX/XX/XXXX. Mind you I had asked them should I pay my mortgage since I don't want to be late on my current mortgage. No one reached out to me to let me know I should make my current mortgage payment. 
Emailed again to ask what is going, then got a call from XXXX stating due to some errors " human error '' her and the lock desk got my rate incorrect it should be 2.75 versus 2.625 which I signed and locked and to be funded on XX/XX/2020. So they won't close my deal because of their mistake! I signed and locked at 2.625, instead of eating their mistake they are stalling my loan and using a bait and switch tactic. It's XX/XX/XXXX, I was suppose to hear from the owner of interactive mortgage on XX/XX/XXXX, no one has called. My loan has stalled, who can help me and provide me any advice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Transunion : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted 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 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my mortgage loan with Bank of America on XX/XX/2020. 
( 1 ) Three weeks later, they are still holding {$4100.00} in my escrow account. I am unable to find out when they plan to return my {$4100.00} to me.

( 2 ) Bank of America has been taking unknown fees from my escrow account for a year without notifying me or telling me what they are for. I am unable to contact anyone to request an escrow account reconciliation and get an explanation for all those fees.

( 3 ) I have not yet received a payoff reconciliation statement from Bank of America. I am unable to find out when they plan to send this to me.

( 4 ) Bank of America apparently closed access to my online account as soon as my loan paid off on XX/XX/XXXX. I am therefore unable to access a complete 2020 transaction statement for my paid off mortgage and unable to find out how to do so. 
( 5 ) I have sat on hold on Bank of America 's " customer service '' line for 72 minutes on one day and 64 minutes on another day, and then been disconnected without being able to speak to anyone.

( 6 ) There appears to be no other way to contact Bank of America except by a phone number that they do not answer.

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 monetary relief
Consumer complaint received 2020-10-25 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: NE

Complaint narrative:
XXXX  : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted 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 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: NY

Complaint narrative:
{$75.00} cash deposit bonus was promised for getting a direct deposit from employer. Direct deposit of {$500.00} was received on XX/XX/2020 yet the bonus promo was never credited. 
Sofi terms read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter back from Experian stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX ( XXXX  ), XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-10-25 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: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC is trying to collect on a debt that is not mine. I have submitted documentation from XXXX, a credit reporting agency, affirming that the debt is not mine. They are using falsified documentation as evidence that the debt belongs to me. The original paperwork I received on the account in question was sent to a person with my name at an address at which I never resided. After I refuted the address, the company changed the address on the " evidence. '' This account is not mine, yet the collection agency is trying any tactic they can to collect on the debt. The debt IS NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I filed for Cares Act mortgage forebearance with TD on SXX/XX/XXXX. I called it in because TD does not allow you to submit any other way. I paid my XXXX payment becasue they told me I may not be approved by XX/XX/XXXX and they would return the money if I ended up getting approved for XXXX. I've been waiting and waiting and waiting for my letter and finally called back and they said the phone rep forget to send it over to the forebearance department and they would send it over again. I should pay XXXX and they will return the XXXX and XXXX payments when I am approved. 

I don't believe them. And because they do not follow up with a message or email or letter when you apply, you have to hope they are putting it through correctly. 

I would like to confirm that this time they are processing my request, and they will return XXXX and XXXX payments to me. I do not have escrow with them, just interest and principal. 

I would also like to suggest they should be required to follow-up in writing acknowledging when they receive a request for mortgage forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
on XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i just received my statement from bank of america and it even had that charges, let me back down. I recently went to a trip to XXXX new jersey. On my current statement, those charges from XXXX airport are present. As you know sometimes XXXX happens and i needed to use my bank of america debit not credit card. it ' '' debit is my cash, you nor bank of america have a right of any kind via us law to hold me from that money. Why don't you check with bank of ameica and check yourselves.

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 2020-10-25 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I contacted XXXX  about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!

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