vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: MA

Complaint narrative:
I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. 
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Citicards called and wished to schedule a payment which i hold two cards with citibank. 
I specifically told the agent schedule both payments for Friday. They agent said yes but instead one charge was made for the same day and one setup for Friday. This caused a insufficient fee to my bank account and i called back to inform them to refund they money plus the insufficient feed which caused me financial harm. They stated they would not refund the overdraft charge.

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 2018-12-12 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: NJ

Complaint narrative:
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX  and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX/XXXX # XXXX This is a loan that is not mine and never has been.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Im Apply Chase bank Credit cards 2-3 times because my debit card is chase bank .. Im new in United States So chase bank not give a credit card I think short credit history but Im not sure.. so now 3 hard inquiries in my report and some others I dont know about others.. so please remove hard inquiries in my report because its hurt my score .. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: NJ

Complaint narrative:
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, XXXX  and TransUnion have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my 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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY / XXXX XXXX : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR XXXX AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY XXXX  XXXX  XXXX ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.

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 2018-12-12 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AZ

Complaint narrative:
This compliant is regarding Portfolio Recovery, which they claim I have open account in the amount of {$180.00} that was apparently opened XX/XX/XXXX. Please be advised that not only do I have no knowledge of the trade line they are reporting on my credit report, but they are in violation of the Arizona Debt Collection Act FIN Code : 32-1001 et seq. Which prohibits a debt collector or credit bureau from engaging in debt collection in Arizona unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the with the Arizona Department of Financial Institution. 
The ARIZONA DEBT COLLECTION ACT " ( ASCT ) '' defines a debt collector as any " person who directly or indirectly engages in debt collection ... '' and further applies to creditors attempting to collect their own debts. ARZ. FIN. CODE 32-1001 ( a ) ( b ) Furthermore, Sec.32-10559 ( b ) ( c ) of the ARZ. FIN. CODE. " prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the results of sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collections attempts. 

" ( R ) Reporting a debt to a credit reporting agency is powerful tool designed, In part, to Wrench compliance with payment terms ... ... " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( E.D.Pa. XXXX ) ; XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( D ) ebt collections use the reporting mechanism as a tool to persuade consumers to pay. Just like dunning letters and telephone calls. XXXX XXXX, letter from Federal Trade Commission Attorney 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT.I RECIEVED A RESPONSE BACK FROM EQUIFAX STATING THAT THE LISTING WAS VERIFIED BY THE BANKRUPTCY COURT. I CONTACTED THE COURT AND SPOKE WITH THE COURT CLERK, AND HE INFORMED ME THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. I HAVE A LETTER FROM THE COURT STATING SUCH .EQUIFAX HAS YET TO SUPPLY ANY EVIDENCE OF VERIFICATION. EQUIFAX IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT .THE LISTED BANKRUPTCY ( XXXX ) IS THE ITEM IN QUESTION AND MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Collection Consultants of California
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Venture Financial Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri through Venture Financial Services Inc., of XXXX, Missouri alleged in a XX/XX/XXXX letter that I owe a debt. I disputed the claim and requested documentation that I am legally entitled to and, I requested that Venture Financial Services not contact me at my place of employment, that they not contact my employer, co-workers, neighbors or relatives. To date, neither XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri nor Venture Financial Services has supplied me with the requested documentation. However, Venture Financial Services has made numerous attempts to contact me at my place of employment again, despite being asked no to. The request was made via a certified letter to Venture Financial Services and signed for by XXXX XXXX on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: OR

Complaint narrative:
XX/XX/XXXX : I received ANOTHER notice from my employer about my wages being garnished from said company. I had already been previously garnished from them about 3 months before. The debt from before was approximately {$1600.00}. The new amount being garnished is now over {$500.00}. I called and asked for the name of the company seeking payment and dates from when this was owed. I have been divorced since about XX/XX/XXXX and we had an agreement to split out debt. This was from XX/XX/XXXX!!! I am sure the other debt was even older than that. I recently discovered that Oregon has a statute of limitations on debt ( 6 years ) and of course, I am concerned because maybe 10 years can go by and maybe they contact me again about some other debt or they are soliciting companies that I owe debt with and they have a " standing judgment order '' that I do not know about?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CA

Complaint narrative:
I DISPUTED A BANRUPTCY LISTING ON MY CREDIT REPORT WITH TRANSUNION .I RECIEVED A RESPONSE BACK FROM TRANSUNION STATING THAT THEY VERIFIED THE BANKRUPTCY WITH THE BANKRUPTCY COURT .I CONTACTED THE BANKRUPTCY CLERK AND WAS TOLD THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST A THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF .SEE ATTACHED LETTER.TRANSUNION PROVIDED NO INFORMATION ON WHO VERIFIED THE LISTING. THE ONLY THING TRANSUNION DID WAS LIST THE ADDRESS OF THE BANKRUPTCY COURT AS VERIFICATION. TRANSUNION HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT. THE LISTING IN QUESTION IS BANKRUPTCY ( 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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: GA

Complaint narrative:
on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation