vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My debit card was in my ourse that was stolen from in side my car and I was not aware of the card being in my purse right away. I found out that my card had been used for many days by the time I relized it was missing. 
The bank denied my disputes for no reason and I have been treated with prejudice. 
demand that my account be credited for the disputed transactions that I did not authorize when my card was stolen. I disputed within the 60 day timeline, and even filed a police report. 
During the XXXX period that unauthorized transactions were being made to my account I was banking in person by transferring money from another account and coming in to withdraw cash which I used my Drivers lisence to complete the withdrawal with, since I could not find my card. Therefore I remained unaware of the activity that was taking place with money already in my account unrelated to the transfers that I completed specifically for the reason to withdraw the cash. When I withdrew cash I just took it and left and nobody ever discussed anything related to the money already in the account prior to transfer. So I never took any actions until later. I am still unsure if all transactions were disputed properly since only 9 at a time could be submitted and it became confusing to me when going through allof the transactions. My card was stoled along with my purse on XX/XX/2022 so any transactions that were made from that time forward till I was able to get a new card. They also skipped transactions when they were including each on because there is not the same amount credited back to my account Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26 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: SG and Associates
State: GA

Complaint narrative:
To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to XXXX. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward. 

They left threatening messages on two family member voicemails directed to me, since they don't have my phone number. They said that the police was involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Any future correspondences from this day forward is coming from me. 

TransUnion was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

File # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VT

Complaint narrative:
To whom this may concern : We were approved for a loan modification with our mortgage company at the time. Consumer loan financing. Our first payment was due XX/XX/2021. I called to pay that but was advised our loan was sold to Selene finance XX/XX/2021. Therefore my payment was denied. As I was told all payment history on file was null and void with consumer loan financing as of the XXXX of XXXX. I spoke to consumer to see whom we were sold to. The response was Selene finance. Consumer gave me their number and I immediately started calling. I can not tell you how many times I called Selene probably 30x at least! I started calling around the XXXX of XXXX prettt much begging them to take a payment which had been agreed upon for the loan modification. Selene told me they could not take anything as records had not been downloaded from consumer and they couldnt prove they were my mortgager or that I had a modification. I was told to call back in a couple weeks. This continued I for many months. Then all of a sudden around XXXX they said they had the information and if I wanted to keep my house I had to pay 3 months all at once! At this point I knew we had put in for Covid relief funds thru Vermont and we would be approved. I told them this and every person I spoke to had something different to say! I would ask to speak to a manger and was told no multiple times! They would pass me through and if they did we never received a call back! Finally I knew we weee approved by Vermonts VHFA! But they could t pay bc Selene wasnt boarded with them! They too tried to contact Selene and got no where! Selene then sent our mortgage to a law ex firm for foreclosure. This was news to us we never received a letter from the sheriff saying so or even in the mail! Honestly our loan being sent to a law office probably add things easier for us as they actually responded to our calls and emails! MY DISPUTE IS THAT SELENE charged us for XXXX dollars in attorney fees when it never shouldve gotten this far had they honored the modification in early XXXX. Which I was told by my previous mortgager that was a law and they had to for 90 days! I would like to be reindorsed this money as this was on Selene and not us. As far as I am concerned this place of business should not be on business at ALL! Please see all BBB reviews they are all true! They have put us through a living XXXX And as far as we are concerned I should sue them for more than the XXXX dollars in fees!!!!!! Please take this all into consideration and refund us our law fees of XXXX! Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a checking account with Chase Bank. I already have a credit card account and a self-directed brokerage account. I tried to deposit money into my self-directed brokerage account when I received a land contract payoff last year. The would not let me deposit the money directly into my account. They said I needed to meet with a service person and I need to make an appointment but due to COVID, they weren't sure when they would be able to meet with me. So I had no choice but to deposit my funds elsewhere as I wanted to reinvest the money immediately, not lose a week or weeks, etc. They would not give me an appointment at that time, they said someone would call me to set it up. So, just a few weeks ago I decided to open up a checking account, they were offering a {$200.00} rebate for opening an account on line. When I applied, they would not give the {$200.00} rebate and said I needed to add a direct deposit to the account within so many days and then I would get the rebate. Then I received an email on XX/XX/22 saying I was approved for the checking account. When I tried to sign in to access the checking account it said my account was blocked for security reasons. I called and they said they closed my account. I asked why. They said they would not disclose why. That I can't open any more accounts with Chase in the future. No reason given. I tried to call three times and was told three times that they won't open any accounts for me and won't tell me why. I have an approximate XXXX credit score, I checked my XXXX and no information on that. If they suspect fraud, I should be able to satisfy their questions, come in and prove my identity. Whatever is required. This is very stressful. I am constantly wondering why in the world I would be denied a checking account. Please help me get some answers, so at least I have peace of mind that they made a mistake and I didn't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX reviews my credit report to find a debt for {$570.00} from Midland Credit. It is allegedly through a Company called XXXX XXXX. Not XXXX  XXXX but XXXX  XXXX. I talked to an agent there today named XXXX to see what I can do to get rid of the account because I am wanting to finance something in the near future and it appears this account is from 2018. I did not verify that I owned this debt at all as I an not liable for it but I do want it taken care of. It was not resolved with that agent and at this time I am Filing a complaint. The company has nothing with verification of my identity however they have somehow collected my address and social. Nothing with my signature signed saying I owe them or the other company. This is a fraud tactic to collect and old debt not owed. I am truly disappointed and furthermore upset after I tried to resolve it but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Consumer portfolio services XXXX XXXX XXXX XXXX Called today XX/XX/2022 - XXXX pm edt Did not answer. Voicemail was left. 
I attempted to call back, but the extension left was not valid. 

This company was looking for a woman name XXXX XXXX. She is a former/pass resident of my house. I do not know who this is, and she does not leave in my house. I bought the house empty. 

I returned call from this company in the last week of XX/XX/2022. Spoke with a woman representative and explained this to her. She was suppose to update their information to remove my number and address from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: ERC
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS 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 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 2022-04-26 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: I.C. System, Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 


15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX L Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, 2022 I.C. SYSTEM, INC Account # XXXX Original creditor : XXXX XXXXXXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, 2022 MXXXX XXXX XXXXL Account # XXXX Original creditor : XXXX XXXX XXXX XXXXXXXXI {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: DC

Complaint narrative:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any future correspondences from this day forward is coming from me. 

Experian was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: DISCOVER BANK
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on DISCOVER BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation