vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-13 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX my son name is XXXX XXXX XXXX XXXX but his background is showing up under my name please see attachment it show I am in XXXX right now.

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 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Consumer Attorneys of America, P.A.
State: CA

Complaint narrative:
I want to pull out the special reserve

Company response to consumer: Untimely response
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Below is a screens hot letting me know that my 6 month special only has 2 months left. Well If it didnt take you 4 months to fix a returned item dispute perhaps this would be solved by now, and if your system didnt block my payments, perhaps I could have paid off the remaining balance for the other items I have purchased on the card. 

I called two weeks ago and asked to settle this matter and as usual your customer service says to me, I will have someone call you back and I am noting your account. I am getting really serious about stopping the use of most of my Synchrony products due to your customer services being so horrid, along with your disingenuous representatives who are so obstinate about getting anything done. Plus, the fact that all the overseas call centers are such an encyclical annoyance with horrible services, which are never fast or completed in a timely manner. Below this letter is a copy of the original letter sent to you for the. 

I would like to see this matter resolved, or settle between us both soon as possible. Also I ask for the 6 month special to be honored at 6 months. It is not my fault that your merchant wont respond and that you cant understand that the tires were incomplete and have been returned. How can you change a person for a product when they dont even have the product? Even for basic information I have to call multiple times and wait 2 weeks for mailers to arrive.

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 2020-01-13 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: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019

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 2020-01-13 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: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
XX/XX/XXXX I called and spoke with agent XXXX finally and we discussed money owed which she stated was around XX/XX/XXXX. I asked what happened to the {$500.00} each month ive sent in for the past three months. She did not know and told me that I do have {$500.00} sitting in there. I asked were is the rest and why has it not been applied to the owed amount. Kept me going in circles about that. Finally she was supposed to review with copies of checks i sent in. This was to here web site " XXXX I did and was to her attention as she asked. The web sent auto response saying it will be addressed within 24 hrs. Its been way longer than that now. No response on phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
hello i have an american express card that had about XXXX $ credit line and i have it for 2 years. i have been paying my statement bills 100 % on time and not a single late payment. all of a sudden a month ago they suspended my account!! when i called them they said that i have used my card in a way that it shouldnt be. they said that i cant use my credit card in my XXXX  to send money!!! and they are going to cancel my account if i dont send them the bank statement that i used to pay credit card bills. i said i used to pay my bills with my own bank account for some time and i can send them the statement. but my son put my credit card acc on autopay recently and the recent payments are from his  checking and i can also provide his bank statement. but they said that it should be my account and also it should be recent!!! like they wanted something impossible so that they can close my account. they said that i used XXXX  in a way that i shouldnt have!!! i said why do u let people add their credit card in XXXX in the first place!!! they said that they wan na have this service to people!!! 
after a week or so i got a mail that didnt say ANYTHIING about cancelation but it said that after review, my account credit is limited to XXXX , the balance that i had on my credit card. 
after one more week i suddenly saw that they closed my account. when i called them she ( mrs XXXX ) said that she doesnt know anything about that mail!!!!! and she canceled my account herself!!!!! 
this account was a 2 year old account and all of my payments were on time. they had no reason to limit and cancel my account. even if they had a reason to limit the account they sent me a mail that said nothing about cancelation and then sheepley closed my acc out of the blue!!! is this something personal so that somebody whenrever she wants and whatever cancels my account! 
the chat support also said they refer my acc to collection!!! my last payment was less than a month ago and i paid due amount in full.i think they want to ruin my credit as well!!!! 
pls help me so that they cant ruin my credit score. they already closed one of my old accounts and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
Per FTC sec.609 Credit agencies are not validating credit account.? They are simply verifying my information.

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
In XXXX of XXXX we received notification that XXXX XXXX XXXX   had transferred our mortgage to XXXX/LoanCare. We received a paper statement dated XX/XX/XXXX for the payment due in XX/XX/XXXX. Despite countless phone calls since XXXX we have never received another statement, either electronically or on paper. Despite our preference to use paper we tried using their website to make the payments electronically. We received email notification that the XXXX payment was rejected several weeks later. The next phone call uncovered that their system showed an incorrect entry that would neither result in either a paper or an electronic statement. There was also no apartment number on the mailing address. According to the representative this was a failing on their end. When I asked to speak with a supervisor I was put on hold for almost an hour before I hung up. A subsequent call revealed that the only way to speak with a supervisor is to wait on hold with no indication of how long the wait would be. I was told the investigation would remain open yet my next call, made to inquire about not receiving a paper statement, revealed that there was no investigation. Every month I am told statements were mailed yet hav n ver received one. I have been placed on hold every time- having been told it would be brief- only to eventually hang up after waits of 20-30 minutes. Our XXXX payment was mailed on XXXX/XXXX/XXXX yet the payment was not posted until XX/XX/XXXX which incurred a late fee. I called today, XX/XX/XXXX to see if this months payment had been received and was told it had, though it was not yet posted.

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 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I sent to Vanilla Visa Gift Card at an e-mail address requesting replacement for two lost gift card on XX/XX/XXXX. I had also called them numerous times prior to this. I enclosing all the information that they asked for. I was told to send the first email to XXXX XXXX, 2nd to XXXX. I was told the first two email were wrong. On XX/XX/XXXX ; I called to get the status for case # XXXX, Vanilla Visa Gift Card stating that they didn't have the information. I was given another email : XXXX. I feel that I'm being giving the run around and that they do not want to paid for lost cards. The total amount is {$670.00} dollars. This is not an amount that I can just dismiss. They should not say they will replace when in reality they do not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Back on XX/XX/XXXX both me and my wife had health issues that sent both to the hospital without health insurance the situation squeezed our saving and a CD with XXXX tha we had, we continuing strangling and by XX/XX/XXXX, we couldn't make no more payment on our mortgage, now we are trying to go back on track since I get a job and my wife is working in our company which it's doing better since XX/XX/XXXX, we don't want to lose our home, for that reason we would like to have the opportunity to re-start the payment and see if we could get any options with the mortgage company for it.

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 2020-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
BMW financials changed my account number which caused my banks autopay system to not be able to send a payment as it had been for 3 years, the bank admitted there was a glitch due to the change in my account - BMW financials received a full payment 20days late- they reported a LATE on my credit report which dropped my FICA score 120pts but refuses to remove the late after they requested a letter from the bank would correct the issue and were sent proof that the late payment was not due to my negligence but their actions and the banks mistake. BMW financials still has not responded to me nor corrected their credit reporting. There is no contact info. To reach out to them & they have caused financial damages for me due to this issue. They were mailed letters and there is a history of 40 months of perfect on time payments with the exception of this one time ( which was caused by the change in the account number they issued ) and they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I filed a complaint on XX/XX/XXXX ( XXXX ) regarding Equifax reporting discrepancies on my credit report particularly my score. My first complaint never got resolved so I am filing a second complaint. 
On the actual credit report on page 150 it shows that there is not a bankruptcy however, under ( myequifax.com ) Equifax credit score - ( Hurting Your Score Section ) which was updated on XX/XX/XXXX shows that there is a bankruptcy and delinquency affecting my credit score ( please see Equifax Data 1 and 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13 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 have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. 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. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
I opened an account with Continental Finance ( XXXX XXXX XXXX ) and received a XXXX credit card. I went to look up my balance and the website is not functional ; the telephone customer service number just hangs up when you call it.

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 2020-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per FTC sec XXXX credit agencies are not validating credit account. They are simply verifying my information.

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 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td BANK in XXXX NY XXXX XXXX i opened my td account online on XX/XX/XXXX i seen there was {$3600.00} AND A check deposit for {$15.00} taken out of my checking account but the money was taken from my savings we knew we did do this. 
went down to my td bank branch and we were told that some one in new jersey went toi a td bank had my social security number and got the money at that time i we closed the old checking account opened a new one with a password in case that person  tried again we also put the savings account on freeze than i made a report with XXXX police dept waited than in the mail that i will attach came the check that was cashed ith y name in print and a social security on the back the front of the says UN LOCATE ACCT but in the left hand side of the check has a company i worked for aprox 17 tears but they went out of business in XXXX i left in XXXX and the address that was on that check was a golf course i brought this all down to my td branch about 4 weeks ago they said they did not have it made them copies i asked them that i want to see the video of the bank and the teller and the person getting y money they informed me this will take about 3 to 5 months i do not know why the police dept wants the video as of today no other updates has been given to me can you help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2019 I received an email alert that there was suspicious account activity on my HSBC checking account, which I opened about a month prior. I had never received my debit card nor any subsequent mail until I realized on that day ( XX/XX/XXXX ) after checking online that my account had multiple unauthorized withdrawals made for the past month without any notice given to me. I immediately called their HSBC Security Center that night when I checked my emails, which I was later directed to call their HSBC Fraud Investigations to open a case. This was the beginning of my ordeal. 

I had submitted my form to have a refund of {$1500.00} from unauthorized withdrawals and {$22.00} from ATM fees, but that initial mail was not received through mail, so I had submit a scan of another form for those amounts. I had already submitted a police report online, and then later again in person after instructed by my HSBC investigator, XXXX XXXX. For the next several months no progress has been made and I had tried to contact my investigator multiple times ; every time someone else picks up the phone, promises me that XXXX will call back as they send an internal email to him, but for 3 consecutive months he has NEVER called back. I have had 26 calls with their office between XX/XX/XXXX to XX/XX/XXXX and I am left in the dark, having to put up with a range of disrespectful representatives, tons of distress, and now monthly maintenance fees, which now total to {$60.00} ( {$15.00} charged per month ). At one point a representative railed at me and decided to deny my claim on the spot, even though that person knew little about my case. I never made those withdrawals because I never even received my debit card! 

The case still remains open, but I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. I am reaching out to the CFPB because there is injustice, waste, and total disregard for their HSBC customers within the fraud department of HSBC by making me suffer for the past half year.

Company response to consumer: Closed with explanation