vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2018 at XXXX Eastern Daylight Time, my friend was sent {$20.00} USD or in XXXX XXXX XXXX which XXXX in XXXX , XXXX XXXX XXXX ( XXXX ), XXXX would not release after he gave the amount, his name and ID as well as my name and identifying information. My hope is your officers will assist in not only my being refunded the transferred funds but additionally the {$6.00} transfer fee as a service was not provided. My thanks for your help. The company was XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX operator ID XXXX ) in XXXX XXXX, NY XXXX. Blessings on you and your family!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I ordered a XXXX that was estimated to be $ XXXX. After using the XXXX the total nearly triple the cost at {$190.00}. This was flagged as fraud by Huntingtons Bank and when I called the bank they stated that it was fraud and would issued a new card. 

The amount was charged again for {$190.00} on XX/XX/XXXX that again was flagged as fraud by Huntington Bank. When I called this time they stated it should not have been fraud last time but instead a disburse. Huntington Bank issued paperwork that I did not receive until several weeks at which point the time window was too limited to respond to. I went to Huntington Bank and they reopened the dispute with XXXX in which I completed the necessary paperwork for them. Huntington stated that I was not able to show the estimated amount and that the charge would stay. 

I am being given an impossible task of showing an estimation that XXXX only provides when ordering the ride and not at the end. I offered Huntington Bank the receipt of a coworker that took a similar route and had the correct charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
OK, I've handed the complaint on the Bank of America side, as they are removing the status on their side in a few days. But, they stated to get in contact with XXXX XXXX XXXX XXXX of this matter, as the loan originated from their side, as it is XXXX account number. This issue is showing on ALL my credit reports ... 
Acct # XXXX, BK of America, XXXX XXXX XXXX, XXXX, FL XXXX XXXX I am working with a lady named : XXXX XXXX XXXX, Ext : XXXX She stated this is a XXXX  XXXX XXXX XXXX account number and they are reporting it wrong, as she confirmed on her side. And she stated, not only are they reporting it at the wrong amount, they have NOT removed it on your credit report ... because the account was transferred from XXXX to Bank of America, so they should not be even reporting it. ON all my credit reports, they are listing the loan at {$24000.00}, XXXX, and on XXXX they are reporting it as XXXX. So, there are almost three different prices, under the same account number, so their is something seriously wrong. And I take this highly offensive as it is hurting my life as in housing and normal life situations that someone needs a loan. 
This is detrimental to my life. I want it removed, the entire account that they are falsely reporting. 
They should not be ( 1 ) reporting it under their account number ( 2 ) they are listing it at, up to, three different prices ( 3 ) they are illegally reporting such account on my credit reports - all three no less.

( 4 ) they must remove it immediately off of 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 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please  evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 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: CA

Complaint narrative:
I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Fedloan Help
State: NY

Complaint narrative:
I XXXX XXXX loan forgiveness and found the site : www.federal-help.org ( NSLfC ) I left my name and number as well as debt amount and they called me back with an estimate for a rate reduction plan through their consolidation company. The perfect salesman ( XXXX ) got me to give him my XXXX ID, social security, address, electronic signature, other personal information as well as my debit card in which he used to charge {$290.00} for a processing fee. I immediately felt there was a problem and called my bank to cancel my account. Then I called XXXX back to be refunded. He never followed up with confirmation. Then I called my credit card company ( XXXX ) to be sure I would not be scammed again and I was transferred to XXXX XXXX XXXX which turned out to be another scammer who got me to pay another fee of XXXX to clean up my credit. I again felt this was a scam and had to call back my bank to cancel my credit card. Since then I have froze my accounts and change my passwords and tried to do as much preventive action I could take. I called back XXXX today politely asked for confirmation of my refund and he told me he could not do it but that the fee would go towards my plan if I continued to use their company and they promised they wouldn charge me the XXXX at the end of the month but fear they will try and fail.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am again requesting that Experian comply with the FCRA and provide the requested information which I requested on XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested : " description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, telephone number of any furnisher of information contacted in connection and documentation used to verify the dispute with this re-investigation '' As you can see from the attached dispute results, none of the information requested has been furnished on any of the investigations FCRA, Section 611, paragraph ( 6 ) ( B ) specifically states : ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian required to conduct investigations of disputed items with the furnisher of information and as such should be able to provide me withe the information per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

I am requesting ALL of the 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 non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have an XXXX XXXX XXXX XXXX XXXX XXXX. According to the card benefits I am protected up to {$5000.00} for trip interruption benefits. I filed a claim for a trip that was cancelled due to weather on XX/XX/2018. I have spent countless hours on hold and on the phone with the company only to get the run around. They have denied my claim without reason, or their reasons are inaccurate. 
I was stuck on the tarmac for 3.5 hours and miss my connecting flight and missed the cruise in XXXX. According to my card benefits, I am covered for the cost of the trip, however they are denying my claim without reason ( or the reasons make NO SENSE ) They give me phone numbers that aren't even in XXXX to call. I have spent the past 2 months working on this and the last call was 58 minutes long before I had to hang up while on hold waiting for someone. 
My entire trip was cancelled because of weather. I have an email from XXXX XXXX, which I sent to the credit card company, confirming that the flights were cancelled due to weather. 
They are a fraudulent company offering things that they won't delver on. 
I am don't know what further actions to take besides reporting them. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX. Had XXXX points in my Amex account. I called to see if the miles were there to reserve 2 air tix to XXXX ( bid class ). They told me yes go ahead and reserve. I did. Transferred XXXX to my wifes XXXX acctbthen when I went to transfer mine, it was denied and said it was being reviewed. Now mybreservation will be cancelled and my wifes points are not able to be returned. I have XXXX miles in the account but they have frozen those

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I attempted many times to contact Sequium Asset Souloution located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX via phone, mail and email but I can not get in contact with a single employee. I have 2 accounts that are fraudulent on my credit that are due to my identity being stolen. The first account was opened on XX/XX/2018 for the amount of {$710.00}. The second account was open on XX/XX/2018 for {$1200.00} which both are in collections. I have obtained a police report and forward it to the XXXX credit reporting agency but they can not remove the charge from my file stating that I have to deal directly with the creditor, I had other fraud charges on my credit report that were cleared up with the police report but Sequium Asset solution is the only company left and After many many attempts I can not get a hold of a single employee. The company never even contacted me to let me know that I have a past due account not one phne call letter in mail or email. Also there are 2 address on my report that are associated with the the 2 accounts that are fraud, I would like the removed also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts are on my credit report but do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I recently came across an account reported by a collections agent XXXX XXXX account number unknown reporting an inaccurate balance for the end of a lease contract. The creditor has added inaccurate charges and states that I have an account balance. This companies practices to withhold deposits anc claim fraudulent balances after the end of the rental contract. 
I am unaware of any damages to the property after the walk through at the end of the lease and I do not owe any outstanding debts. 
I do not agree with the balance reported as owed and I am fighting these fraudulently added charges that are reporting on my 3 bureau reports and I ask for the assistance of the CFPB with accessing documents from this company to include all the disclosure and complete accounting record of alleged debt ; agreement with your client that grants you the authority to collect on this alleged debt ; any insurance claims that has been made by anyb creditor rgarding this account ; date that this alleged debt became payable ; this. I ask that the company provide proof of non payment and images of the damages pertaining to the leased unit. Please be warned XXXX XXXX that failure to provide proof of your claim required to enable me to continue and to complete this dispute my next step will be to file this complaint in my county courts for : 1. defarmation 2. negligent enablement of Identity Fraud 3.  Violation of the Fair Debt Collections Practices Act Iincluding but not limited to section 807-8 4. Violation of the Fair Credit Reporting Act including but limited to section 623-b

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.

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