vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
I had a credit card from Bank of America with a XXXX XXXX limit ( account number XXXX ). The last time i used the account was XXXX. In XX/XX/XXXX the account was closed by Bank of America claiming i owed money that i disputed. The derogatory item remained on my credit reports for almost seven years. It then disappeared in or about XXXX. The account remained closed as of XXXX i have never used the account ever again. 
In early XXXX the same account surfaced again on my credit report in XXXX showing a late payment in XXXX. Obviously i have not used it since XXXX and XXXX was the last time account was used. After disputing it with the credit bureau, I called Bank of America. They confirmed that the item is from XXXX. But refused to remove it without any explanation. 
It affected my credit score and ability to secure loans.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am victim of Identity theft. Please delete those hard inquiries off my credit report! 

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 2023-04-28 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:
Good day Sir/Ma'am, how are you hope all is well, My name is XXXX XXXX , I'm writing this complaint letter in hopes of getting help from your agency to get my issue elevated to HSBC 's executive office and receive my sign on bonus of {$500.00} ( welcome bonus ) .I believe your agency is empowered to take needed action and get a resolution as soon as possible.I trust your agency that this issue would be completed in timely manner.Anyway I took advantage of their sign up bonus promotion back in XXXX XXXX so I attempted to sign up for a new checking account # XXXX, I set up direct deposit of $ XXXX with a reference # XXXX from HSBC 's website, per conversation with HSBC and XXXX XXXX reps. the automatic deposit was set up correctly and all was good.FYI I left more than enough to cover the 3 consecutive months direct deposits, this was back in XX/XX/XXXX, and so I thought, little did I know after their waiting game of 4 months, they failed to credit my premier checking account the {$500.00} sign on bonus ( instead they gave me XXXX cents and email survey ) I then realized this promotion HSBC was running at that time was more like a lead on bogus and not sign on bonus.It 's unfortunate burden falls on me to spend countless times/hours speaking with their customer reps. ( At this # XXXX spoke with XXXX XX/XX/XXXX she said to call the other dept.I did and spoke with XXXX he said somebody from higher up will be getting back with me within XXXX hrs in which never happened.HSBC other # XXXX today XX/XX/XXXX spoke with XXXX after I told him what happened and get status of {$500.00} sign on bonus, he just breathes on the phone and not say anything so I then hang up after I kept saying hello repeatedly without any help but a complete waste of time ( this money on XXXX XXXX bank I left aside would've yielded 4.1 % if I left this money on my other bank, not XXXX XXXX ) Needless to say writing this complaint letter to send to your agency and HSBC survey dept.to leave my feedback out of my busy schedule to get your agency involved in hopes to get this resolved ASAP.At this point I'm patiently waiting for HSBC 's response and resolution.If you need to reach out for question/clarification XXXX feel free to call me @ XXXX or via email : XXXX you for your involvement with this XXXX a great day.God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to access my 3 credit reports since last XX/XX/2021. I tried several times since that date but was only abler to retrieve Experian. I have made sure all of my address are correct with each credit agency. I have a case number from Experian but no one has fix the issue ( 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Commenity capt XXXX XXXX XXXX XXXX ph XXXX Billing disputes XX/XX/XXXX Hello, I am a victim of identity and bank fraud. As a result, monies exceeding XXXX was taken out of my account and caused payments to decline and a 30 day mark on my credit. A police report is attached and bank emails as proof. It was discovered XXXX and is still under investigation with bank. Rejected payment has been re submitted from another account. 
Please reverse negative 30 day. I assure you a missed payment was not my intention as I did have monies in my account but around this time my bank accounts were compromised due to fraud XX/XX/XXXX Commenity bank stated it takes 30 days to investigate. 

XX/XX/XXXX received alert from Credit bureau saying my file was updated to not being 60 days past due XX/XX/XXXX I called Commenity to see what was going on with the investigation and was advised the account was closed and when asked why they said the credit bureau told them too but wouldnt say which one. They then said it would be deleted from my credit file but credit bureau do not show this and the 30day mark is still there on Commenity system and all 3 agencies. I called the credit bureaus and all 3 stated they did not request to close my account and resubmitted my request to have 30day mark removed due to bank fraud. 

On XX/XX/XXXX I sent another message through the message port al 1. Message as follows : I filed Dispute to have my account status u pdates from 30 days late to paid as agreed due to a payment reversing as ns
f due to reasons outside of my control as my bank account was compromised. I called and was told you could reverse this as a courtesy since the bank fraud was no fault of my own. I was advised to provide copy or police report and message from my bank in which I did. However it he message portal was broke so I was told to reach out to the 3 credit bureaus. I did and now Commenity says my account is closed and the 30 day mark is stil up there. However credit bureaus all say they didnt request that. Please help and remove 30 day and reopen my account. I will also notify CFPB to get involved as I get nowhere through customer service or this portal Please help this company closed my account did not respond to message, 30 Day mark is still there. I will pay this off in full but need it to reverse the 30 day mark. I will never do business with Commenity again until the develop better practices and controls to fix issues like this without creating further confusion and inconvenience. My credit limit was reduced and then just closed its insane when I made it clear that my missed payment was due to nofauly of mine provided all proof and they create a bigger mess for me. Please remove the 30 day mark and at this point thr account can stay closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My bank is 5th 3rd Bank. I disputed 5 transactions of fraud and theyre saying some of them they can not give back being to long that I disputed it. It has only been a few months. The cause number is XXXX. 

Thank you so much My cell is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: LA

Complaint narrative:
I have several rental properties and my home residence. Through covid 1p9 I received 1 stimulus check and nothing else. No SBA, no payroll supplement, or anything else. I think at tax time they gave me another like XXXX credit on my taxes. I say this to say even though there was a stay order for landlord to protect renters from being evicted and thus far roughly 10 % of my tenants have received emergency rental assistance covering 18 months when the shutdown was close to 24 months. Maybe more here in XXXX XXXX. The Lahaf approved me for XXXX. On my home where it's XXXX. Behind. This according to fees late charges etc. Then because the mortgage company did not write someone stating they were going to work with me in time the worker XXXX XXXX  withdrew my application. 5he email slaying it was withdrawn says when ready contact the LAH. The mortgage company then denied my forbearance application because it was now incomplete. Since the XXXX counselor said incomplete application they did too. The Gregory financial agent stated during a call, oh I see you have contacted the housing counselor. During this time another mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I requested PNC Bank close my escrow account. I received confirmation from PNC that escrow account closure was approved. PNC letter dated XX/XX/XXXX, to close escrow account requested closure fee {$900.00} + negative account closure balance {$3800.00} = {$4700.00}. I returned PNC signed consent form + I sent PNC cashiers check {$2200.00} + I paid 2nd quarter XXXX XXXX property taxes which was becoming due the XXXX of XX/XX/XXXX of {$2500.00} = {$4700.00}. PNC Bank now owes me {$400.00}. PNC is refusing to close escrow account and is demanding I return payment to them of {$2500.00}, the exact amount of confirmed property/city taxes paid to the XXXX of XXXX XXXX XXXX I have been in contact with XXXX XXXX, XXXX at PNC Bank, Executive Client Relations ; who has gone incognito as of Friday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called PNC Customer Support and was told they could not help as this matter has already been escalated. My mortgage account has been abandoned and is racking up unnecessary fees, which I know will be removed by PNC. I was told by PNC Customer Support they could not help as this matter has already been escalated. I find the whole thing preposterous. It was PNCs gross neglect of my account which caused a negative escrow balance to arise in the first place. And now similar to creating a negative escrow balance by failure to properly pay automated property taxes, PNC 's gross neglect of my account to close escrow is causing me severe anxiety and distrust of this institution. PNC should acknowledged that escrow has been closed. PNC is still escrowing - why? I do not want PNC in my account other than to accept mortgage of {$1800.00} which becomes due on the XXXX of each month. Kindly return overpayment PNC check to me of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My identity was stolen XX/XX/XXXX. Every credit card and debit card I owned was informed. In early XX/XX/XXXX ( around XX/XX/XXXX ) I called capital one to pay a balance owed of {$300.00}. I was informed that it was paid in full. When I tried to use the credit card it was denied. I called capital one back to inquire and found out that there was a second credit line opened with capital one that I did not authorize, also {$300.00}, that credit line had already been emptied. I informed capital one that I was not the one who opened this account. I was transferred to their fraud department to make a claim. Later I was informed that the balances owed on both credit lines through capital one were attempted to be paid with my debit card that was closed when my identity was first stolen. Up to 17 times, in the month of XXXX, Capital one allowed an identity thief to continue trying to pay on credit lines that were reported as fraud with a bank account that was closed. This again was reported to capital one as fraud. I was transferred to a manager who said they would investigate. I stayed on the phone during this investigation, when it was done, the manager told me they did not see any evidence of fraud and I would be liable for all charges. I asked to speak to someone higher and was denied multiple times, being told that I was speaking to the highest level of authority at capital one. Days later I called capital one again to try settling this issue, when I was transferred to a manager, I told them my name and I was hung up on. Capital one allowed the identity thief to change my account information multiple times even after I had called and corrected it. They denied my fraud claims even after given them the police report number. I have further proof of this identity theft at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was thrown into this XXXX XXXX owned company from last one, - when they bought my paper from XXXX loan company. 

I have always paid on the finance site going all the back to XXXX XXXX. This company charges {$15.00} for an ON TIME ONLINE payment! Seriously, what could their cost be on that? 

I look forward to class action suite against this XXXX XXXX unethical and immoral organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I saw the negative action was put back on my report after previously disputing it months ago. I got in contact with the company to advise them I have no knowledge of this account and would like it removed off my credit report. I asked for proof and documentation of where this alleged debt came from for which they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE AND HUFFMAN LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CT

Complaint narrative:
In 2019 when XXXX hit I lost my job I was Not behind on any payments, and I voluntarily gave back the vehicle because of XXXX income. Now I made an offer to pay it off, which was only XXXX less than the amount I owed with the cash I had left in my savings. They denied it so I told him to take the vehicle back and took my cash in purchased a vehicle. I was not sure what was going on during the epidemic with returning back to work, so I was trying to do the responsible thing.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PACIFIC CAPITAL EXCHANGE
State: FL

Complaint narrative:
This debt collector keeps harassing me and other family members looking for a XXXX XXXX who we do not know. This is not even my last name. Some of my family members are elderly and they call and wake them up early in the morning. One man told a family member that he was a lawyer and they were going to serve her papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
The response from the title company is not correct. The lender did NOT instruct them to hold my money for 3.5 years. Additionally, since they are responsible for paying the taxes, they should know after a reasonable amount of time ( 3-5 months ) that the check was not cashed ( show me proof of a check that was generated and mailed to the state treasurer. ) I attached the record and you can see no payment was received when due in XX/XX/XXXX until XXXX of XXXX ( when XXXX my lender made the payment to catch up back taxes ). this caused my escrow to go negative and my monthly payment to go up to replenish my escrow. 


I demand some resolution for damages. There is no excuse to keep my funds that long I would like accounting from the title company that was obviously caught in an audit. There are monthly and annual audits this should have been addressed years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate account : XXXX  XXXX # XXXX XXXX. I have contacted this creditor and asked for a copy of the original application bearing my signature of which they responded that there is no evidence or proof of any application with my signature on it linking this account to me. 

XXXX. On my report, the date of first delinquency is being reported as XX/XX/2018, however there are multiple delinquencies that XX/XX/2018 as 60 days delinquent, XX/XX/2018 as 60 days delinquent and XX/XX/2018 as 90 days delinquent. These delinquencies occur before XX/XX/XXXX and neither are being reported as the date of first delinquency. I have contacted Equifax to investigate and update the dates of first delinquency and they have refused to do so and continue to report XX/XX/2018 as the date of first delinquency. 

Equifax has a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I have contacted Equifax numerous times and asked for them to investigate and remove this inaccurate account from my consumer report that they are illegally reporting and I requested a copy of the original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if they can't be verified by any legal evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax, XXXX, XXXX fails to investigate the situation properly.

Company response to consumer: Closed with explanation