vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I am writing to complaint about a series of account holds/restrictions which HSBC is imposing on my accounts. On XXXX/XXXX/2020, I have made a check deposit for the amount {$1700.00}. On XXXX/XXXX/2020, an HSBC representative stated that the system had picked off the {$1700.00} deposit and therefore all of my online access has been suspended until this restriction is lifted. This is not the first time that all of my accounts have been on a complete " lockdown ''. Just recently, on XXXX/XXXX/2020, a hold was placed on my checking account for a check deposit of {$100000.00} for the same reason as stated by the representative -- the system had picked off that check. 

Similarly, on my HSBC credit card there were a total of 5 blocks placed for making payments. On XX/XX/2020 a block was applied ; on XX/XX/2020 due to the account status a restriction was applied on the account ; on XX/XX/XXXX a block was applied again due to " consecutive payments '' made. Attached is HSBC 's response regarding the blocks on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THEY ARE LYING. THEY DID NOT COMPLETE THEIR INVESTIGATION IN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hi ex employee and XXXX XXXX XXXX XXXX - how arre yall first? 

1 ) With Mr. Cooper, I filed a bankruptcy when i XXXX retired I did not include my house in the bankruptcy and in the bankruptcy agreement there was no mention of a {$250.00} fee to not include this in the bankruptcy. This is totally unfair and sneaking fees in is a no no. I disputed this them, they denied the dispute. You can call my attorney XXXX XXXX in XXXX, Florida. 

2 ) Mr. Cooper on thier website REQUIRED me to pay the {$250.00} disputed fee BEFORE paying additional principal to eb able to remove my PMI. ILLEGAL. We had to do a workaround with escalations to get the {$70.00} additional principle paid to remove the PMI which is no w removed from my FHA in the amount of {$110.00}. Letter on the way in 7 days for verification. 

3 ) Finally they charge a {$19.00} processing fee to pay over the phone which is non-disputable and excessive to make a payment. this needs ot be looked into in this day and age. 

Thanks you guys and good luck with Mr. Cooper. 

XXXX XXXX Retired CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THEY HAVE NOT ADDRESSED THE FACT THAT THEIR INVESTIGATION TOOK MORE THAN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA

Complaint narrative:
Credit Bureau Associates-Northeast Inc ( CBA ) is reporting information illegally on my credit reports. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only ( this law provided below ).

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.

940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor CBA has placed their name on my credit report in attempt to collect a debt which they have failed to provide ownership of in violation of MGL Chapter 106 UCC 9-405 in that proof of ownership of the account via a valid assignment agreement.

( c ) Proof of assignment. Subject to subsection ( h ), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. 

In XX/XX/2020 I sent them a certified document informing them of MA laws and their current violations as well as asking for validation of their claim to ownership. Under MA law they had five days to provide this validation. They failed to reply with validation of ownership and failed to address their illegal reporting whatsoever. 

In XXXX XXXXI sent a second certified notice informing them of their continued illegal reporting and failure to validate in accordance with state and federal law. They failed to reply whatsoever. 

They have continued to report illegally. They can not prove ownership of their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am being harassed by this company I am finally over it. How dare they call me last night @ XXXX XXXX and then again this morning within the first 15 mins of opening the phone lines! I was on the phone SPEAKING to a rep that's after dialing a bunch of numbers and putting in info to ID me when someone gets on the line. I was speaking to her around XXXX XXXX so one of the first calls they make this morning and one of the last calls made last night. 

I do not care that it was a dialer. They should have systems in place to make sure there is no chance of harassment on their end. 


XXXX, the manager I spoke to -- tried to intimated me instead of simply apologizing for being annoying on their end ... .. I am 77 DAYS PAST DUE -- on the phone call this morning regarding their harassment and notifying them I was writing a complaint to prevent this from happening again -- she goes on to try and convince me that I am at risk for REPO AT THIS VERY MOMENT when that is incorrect ... I am at risk for repo at 90 days. I have already told them I would be making an extra payment in XXXX when I make my normal monthly payment on the XXXX of every month. 

I work for the XXXX XXXX so I did not pay for XXXX or XXXX BUT I did make a payment in XXXX and I will continue to pay in XXXX on my normal due date now that XXXX  is back in session. I got offered a deffered payment in XXXX, so she is trying to make it - make sense by explaining that I am a " certain amount of payments behind '' so she is continuing to lie or to mislead me into doing what she wants me to do. 

I am OK and I am safe and they can't repo it because I am in all actuality only 2 payments behind they cant take it away because of the deferment. HOW DARE SHE!!

She is trying to manipulate the convo and convince of something that is completely inaccurate. And this is the manager?

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have an auto lease with JP Morgan Chase Auto Finance, and there have been numerous issues now with the lease process, starting with a defective vehicle and it ultimately being replaced 1.5 years into the 39 month lease. 

Towards the end of the lease ( last few months ), the vehicle was involved in an accident. XXXX said they would cover the full extent of the damage. I then went to an auto body shop and several others, who stated that the parts would not be able to arrive for months to come. 

I returned the vehicle to the dealership, since it would be unusable until fixed, but by then the lease would be up. I explained to them the situation, and they accepted the vehicle from me. Months later, I get a call from Chase asking why I haven't been making monthly payments. I stated that I returned the car to them months back. They did not have ANY RECORD of receiving the car. They then proceeded to tell me that I would be responsible for the full value of the car ( $ XXXX ) since they didn't have it. Weeks went by, and then another call came in saying that they were going to move forward with litigation since no one had the car, aka accusing me of keeping the car. 

Finally, a body shop calls and says " Is this your XXXX XXXX? It was sent here from a XXXX / Chase / XXXX and it's just sitting here. 

After they found it, they said that everything is all set, and apologized for everything. 

Months later, they're now calling me weekly to say the collections process is ongoing, that I owe $ XXXX to them. I have never received any notices, mailers, final bills, or anything despite me asking for it. I stated that this is a violation of the CFPB protection regulations, to which they did not care and said the collection efforts would continue. Despite stating clearly that I dispute the validity of this debt, they continue to call and attempt to collect. I have recorded these calls with their supervisor as well, and can provide them as needed. 

I will take legal action on the offensive, should I be contacted again and this matter not dropped dead here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I disputed a charge immediately after purchasing a product online as I was concerned with the legitimacy of the product and that I may not receive it. I have emails sent to the merchant to cancel the product and requested for a full refund but did not hear back from them. My bank did not ask for this information, although they should have as this could have resolved the matter. I now have a temporary charge reversal on my account and am without {$99.00} because the claim submitted did not go in my favor. I have contacted the bank 's fraud department and am advised to upload documents to the message center in my online account. I will do so. However, this is unacceptable. I need that money. I never received this product and paid a lot of money for it. The merchant 's information is listed in foreign lettering and their email is questionable. As stated, I requested for a full refund online and did not want this product immediately after purchasing the item. Please help me resolve this matter. 
Attached for review are the purchase order with the merchant 's email listed. The second attachment is the email sent to the merchant where I am requesting to cancel the order and for a full refund. This was sent later in the day when I initially purchased the item. The merchant never responded to me.

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 2020-09-30 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: AR Resources, Inc.
State: VA

Complaint narrative:
I filed Chapter XXXX Bankruptcy including XXXX XXXX XXXX ( original creditor ) and AR Resources ( current debt collection agency ) and they will not remove the account or mark it as closed on my XXXX Credit Report. Please see attached petition for unsecured creditors included and also the order for discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 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: OH

Complaint narrative:
Experian reported I have two open accounts : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX On XX/XX/20, I contacted both creditors over the phone about these accounts being opened due to identity theft. I did not open these accounts. They closed the 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 2020-09-30 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.EQUIFAX MTG 5.XXXX XXXX I am writing to XXXX and initiate a XXXX complaint against Equifax, XXXX and XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX  2.XXXX 3.XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Hi, I received a notification this morning that a collection was added to my credit report. I can testify never received a phone call or written notification from this debt collector named " IC SYSTEM ". This activity dropped my credit score by 45 points. This is so frustrating! I have never dealt with anyone from this company " IC SYSTEM ". They are trying to collect  {$320.00} on behalf of XXXX. I have no knowledge of this debt. I dealt with XXXX in the past, but this looks so strange to me because I returned the equipment. That was the one thing I owed them. Equipment was returned! And I have never received a final bill or something stating I owe XXXX money. Why big company like this can be negligent? Thanks for helping me in this 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 2020-09-30 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

Respectfully, 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 explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm in the process of refinancing my home and Equifax has failed to product my credit report to two different lenders. XXXX  and XXXX did not have any problems.

I was able to get my Equifax free report but lenders, based on their internal policies need to get the report directly from equifax. Without the three bureaus credit reports, the lender can not process my mortgage. 

I contacted Equifax in early XX/XX/2020 and they told me they did not see any issues however two different lenders are not able to get my credit score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: GA

Complaint narrative:
I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.

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