vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: Lending Club Corp
State: FL

Complaint narrative:
This is a complaint against LendingClub and XXXX, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I had a loan with Key Bank which seemingly they became the holders of. There were either three other holders before them, as I recall. The loan was paid off back in XX/XX/XXXX. I have not received my original ( not copy ) proprietary lease, and share of stock. Nor have I received proof of payoff which would include a XXXX termination notice. I received only a blank XXXX with no property address or termination stated thereon and my name was incorrectly spelled. These are the collateral for the loan which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete loan documents. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, loan security aggreement, and RESPA statement. 
I have told them that absent the original shares of stock and proprietary lease, and a completed filed XXXX termination notice from the county I can not sell the apartment, or do anything. Six months is more than enough time to have all this done as the original documents should have been provided to me no later than XX/XX/XXXX, and the XXXX should have been sent no later than three months from closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX and equifax, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I was solicited online while I was making an airfare purchase that if I opened a Chase United Mileage Plus Explorer account I would save XXXX off of my first purchase. I opened this account with the understanding I would receive a XXXX statement credit after my first purchase and may take up to 6 to 8 weeks to reflect on my statement. After the 8 weeks, I still had not received the credit I emailed Chase, I included a screenshot of the promotion that was solicited to me and was told they do not have that promotion and that I signed up for something different.

After looking up reviews of this promotion I had found MANY other credit applicants who also had not received their promotional {$100.00} statement credit. Chase has done a bait and switch on many people applying for this Mileage Plus Explorer card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against BestBuy/CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

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 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hammerman & Hultgren, P.C.
State: NC

Complaint narrative:
I owed credit card XXXX XXXX XXXX XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX XXXX Department. Previously I was contacted I had set up arrangements for paying them through XXXX From Debt, but had to drop them as it was a secured account. Received notice from Hammerman & Hultgren that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact XXXX to see if they would accept the offer. Sometime before the XX/XX/XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that Hammerman & Hultgren placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2018-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
On XX/XX/XXXX it was brought to my attention that XXXX XXXX XXXX XXXX had reported to the credit agencies that I had a account in collection for {$840.00}. The original creditor was XXXX XXXX XXXX, which I have never heard of. I asked for documentation and she immediately sent me an email that basically only stated who the original creditor was and who the current creditor was. While on the call she said her supervisor had authorized her to settle for half that amount. At 1st I thought I should take advantage of the opportunity so I listened to my options. I told the lady I needed the original documents that show what I owe and who I owe. She said she was emailing me the info as we speak. I agreed to settle the debit as long as I could have the info I requested. I set up payment but never received the requested info. I waited 30 minutes and called back asking why I hadn't received it. She said they were waiting on the payment to process but promised I would get it. As I waited I began doing research on XXXX XXXX XXXX as well as midwest recovery systems and XXXX, XXXXXXXX XXXX XXXX. Couldn't even find anything on XXXX XXXX XXXX other than them being involved in payday loan scams. At this point I'm feeling as if I have been a victim of a scam so I keep digging only to realize both XXXX XXXX XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX have negative ratings with the XXXX. I attended to call XXXX XXXX again but didn't get an answer. Nervous that I'm out {$420.00}. which seemed like a bargain earlier, I called my bank to stop payment just to be informed this is a growing issue with them. If I owe someone I am willing to pay my debt but they claim this payday loan happened in XXXX yet I have no knowledge of the company and with all signs pointing to this being a scam I demand proof of what I owe and will not pay a dime until that proof is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is a complaint against NATIONAL CREDIT SYSTEMS , INC . I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
The account has been refinanced the closed accounts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against CITICARDS CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS   XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

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 2018-08-12 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: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
After filing for Bankruptcy XX/XX/XXXX, SPSERVIING and XXXX XXXX, where on my credit report as a history and showing that I have a mortgage account. It is now XXXX, XXXX XXXX. According to XXXX Credit Reporting Agency, SPServing  requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. SPSERVING needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, XXXX, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.

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 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express credit card account show unknown charges and american express pulled copy of my credit report to make a unfair decision while i was still in dispute. They would not honor my rights for being a victom of identity theft and fraud. They made a decision on my acct before taking the dispute investigation is still ongoing instead they violated my rights by closing my account do to fraudulent charges that i did not give permission and or dont recognize on my acct. My social security card and passport has been lost or stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a complaint against PNC BANK. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or about XX/XX/2016 a promissory note was created, It was backed up by U C C codes and validation Acts of 1933, And Federal Reserve obligations etc. This promissory notes # XXXX was Notorized by a state of Nevada notary public and validated. This negotiable instrument was sent to : XXXX XXXX XXXX, CFO< Wells Fargo Bank Corp. XXXX XXXX XXXX XXXX XXXX, CA XXXX. Note # XXXX was made out for : {$55000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). After a real brutal divorce, my credit was very low and in negative standing. At the time i owed Wells Fargo Bank {$220.00} ( XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). This negotiable instrument # XXXX was issued to settle my debt to Wells Fargo Bank, and the remaining balance of {$55000.00} was instructed to get deposited in my current account with Wells Fargo Bank, which was supposed to be used as capital for my current business : Handy 1 Contractors. I do complete home renovations and build homes whenever given a chance.

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 2018-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account has been refinanced the closed accounts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo bank processed the same check in the amount of {$25.00} twice in two consecutive months, My account was debited twice. When I bought it to the bank staff they informed me that one time the check was processed via mobile banking and the  other time via a credit union.I inquired why the bank internal system didn't stop this action. The adjustment dept credited my account {$25.00}. However the resolution dept could not provide me with a sufficient explanation that they had a comprehensive system that would consistently prevent the same action from happening again. I informed the bank staff that I do not consider this matter resolved.

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