vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Dispute is towards HSBC Initial fee was for {$45.00} at XXXX XXXX XXXX XX/XX/2021 XXXX late fee was for {$25.00} on XXXX @ XXXX 2021 XXXX late fee was for {$37.00} on XX/XX/XXXX Payment made for both late fees and initial purchase on XX/XX/XXXX for {$100.00} When i attempted to pay my debt i set up a payment date so the money could come out of my account at a certain date but apparently something went wrong so my payment did not come out the date i thought i scheduled the payment for and i was unaware of this incident. I did not go back in to check if the money had come out of my account or not because im so use to it working i did not think twice about going back in and checking my account for conformation. I dont use my credit cards everysingle month i try to rotate them and use them all periodically. I emailed them a goodwill letter and got no response in a timely manner and im trying to have the 2 late payments removed so i can start up business credit and start my trucking company but these 2 very small late fees are hindering that process and i have no other derogatory marks on my entire credit file and i have even paid the fees in full and have still had no help from them whatso ever. I had a score of XXXX and the 2 late fees they added to my file dropped my score XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Receivables performance management, begin contacting me 6 months ago. Attempting to obtain a debt owed from a XXXX leasing program that has ended in 2018. Theyve threatened to damage my credit by saying if reported it would show as a repossession. I havent been in the XXXX leasing or had any contact with XXXX since turning in the car in 2018.

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 2022-02-13 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: FL

Complaint narrative:
On XXXX, I sent a certified letter to Equifax disputing inaccurate reporting of three accounts ( XXXX Bank XXXX and XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2022 I was checking my account online and seen an unknown electronic withdrawal pending for {$810.00} I call my bank and was sent to fraud prevention I asked him to please put a stop payment on the company and not allow this transaction to go thru .. that was successful but in turn I was paid my direct deposit {$4400.00} the next day my paycheck and went to pay my bills and my funds where put on hold both my business checking account and my savings account, I called right away and was told I need to go into a branch and they could lift the hold but there where no notes attached to my account except Do Not Remove Hold and to contact XXXX XXXX XXXX XXXX XXXX  with any questions. Went directly to my main branch talked to my branch manager XXXX she looked everything up and could only send a message to XXXX so she did no response until XXXX and the response was to tell the customer ( Me ) to refer to my deposit Agreement that I signed when opening my account and that they have 30 days to review my account before releasing my funds. Nothing has been resolved I have called many more times and all I get is no one knows what to do or they can't do anything yo help me.. main branch has reached out to many upper management and to no resolve. I called again on XX/XX/2022 and talked to a man in my business banking department he said the hold was scheduled to be lifted at XXXX. I got online at XXXX and tried to withdrawl my funds and the hold was back on. Called in the morning and was told a new hold was put in place on the XXXX of XXXX. I have been given zero reasons for this hold on both of my accounts and I run a small business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is making it impossible to run my business and to pay my bills my mortgage payment is due no later that the XXXX and so my mortgage is going to be late along with all my other bills. I find this to be unexceptable and very unprofessional. There is no explanation of why my bank is doing this I owe them nothing and they are withholding my money from me. Thank you I hope you can help me resolve this. 
This is U.S Bank in XXXX Wa

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 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 XXXX $ Was taken out of my account in XXXX XXXX XXXX I dont know when it happened because usually when I withdraw over XXXX from Wells Fargo ATM they would send me a text to confirm it was me every time but this time they didnt send me one so I notice when I wake up the next day on my mobile app then called them immediately they said they would resolve it within 10 days I received a letter on XX/XX/22 saying that they found the transaction was made by me or someone with my permission and that the claimed is closed

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 2022-02-13 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: Consolidated Information Services Solutions, LLC
State: NJ

Complaint narrative:
While checking my personal credit report I noticed an Inquiry made by UNIVERSAL CREDIT SERVICES. 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed authorization that gave them the right to view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: DE

Complaint narrative:
After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was subject of a " bait and switch '' by PNC Bank Mortgage Specialist XXXX XXXX. Specifically, I was promised a rate by XXXX XXXX which I locked, they pulled credit on, I moved money to a PNC account, etc. In a later email, the PNC Bank Mortgage Specialist XXXX XXXX confirmed I was locked on the rate I wanted. Shortly before closing however, I was told this rate was no longer available. 

I believe I was intentionally misled by PNC to start a mortgage process based on a rate which was never actually " real '', as they hoped I would go through the process anyway. This hurt my credit score, cost me time, and cost me interest on money I borrowed to move to my PNC account ( which was necessary to get the rate I was originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
While checking my personal credit report I noticed an Inquiry made by Factual Data. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
Received letter from GC services stating alleged debt. I had until XXXX to respond to letter. I responded XXXX, it was received and uploaded in my chart XXXX. Called days after to confirm receipt. Spoke with a young lady who stated that the dispute was open and the collection activity would be put in a hold status until client gets back to them. XX/XX/22, the collection posted to all 3 credit bureaus. Called XXXX, spoke with a young man who stated that it was the companys fault and it should be fixed shortly. Waited a couple days and called back. I was told that although i disputed debt, it would still post to my credit report and keep posting until noted otherwise. Spoke with XXXX XXXX, a supervisor, who stated that they were holding up their end of the bargain. He stated that although I responded in time, it was normal business practice to report to credit bureaus. I asked how long will this take. As long as it takes XXXX to send proof. Horrible company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 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: MAJR Financial Corp
State: NJ

Complaint narrative:
While checking my personal credit report I noticed an Inquiry made by XXXX XXXX. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
After several attempts sent to credit bureaus about the alleged debt being a victim of identity theft i sent over repeated documents and this is still on my consumer report. Sending over several ftc forms WHY IS THIS STILL BEING REPORTED

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 2022-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
We took possession of our current residence in XXXX of 2011. Since moving in, we have received account notices and debt collection notices for the previous owner from PNC bank. We have put the letters back in the mail marked return to sender, we have contacted PNC bank, they just make more work for us. There seems to be no way to tell them to stop sending his mail here... and there seems to be no consequences for them continuing to send us his mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )

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 2022-02-13 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: MI

Complaint narrative:
The company XXXX XXXX XXXX has not been reporting my current balance as I have been directly paying the company {$50.00} monthly since XX/XX/21. I notified the company of this inquiry and I was advised they had mistakenly not been reporting the current balance of this loan. This error has affected my financial goals. I have been declined for several loans and credit lines due to this outstanding balance. I have even notified credit bureaus ( transunion, XXXX ) of this error and the investigation proved the account to be an accurate balance. There is false allegations on both parties and Im the only one suffering from these false allegations. I am unable to take out a mortgage line due to the accounts impact on my credit. I am requesting the account be removed from my credit report due to its false pretenses and I will continue to make payments to the company directly. 
TransUnion and XXXX have continued to report this account as accurate in recent investigation reports.

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 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hi, I received a letter from my local tax collector, XXXX County Commissioner of Finance, dated XX/XX/XXXX about a Delinquent Tax Bill. My mortgage servicer who is the escrow manager for this account NewRez-Shellpoint keeps on telling that as long I'm enrolled in an escrow account I can dismiss all tax bills and letters, I contacted my mortgage servicer by phone and they affirmed that they will investigate this matter, reach out to the appropriate parties and make sure there is no outstanding bill. two weeks later, after not getting any feedback on their investigation I contacted them again, and they said that they see the investigation closed so I can rest assured as if there would be any issues they would contact me. 
On XX/XX/XXXX I got another letter from the XXXX County Commissioner of Finance dated XX/XX/XXXX that the bill is still delinquent and they are going to start imposing further penalties and will start a petition for foreclosure, all on my cost... here it turns out that my tax bill wasn't paid in full, they added penalties and interest, and now they threaten to foreclose the property. 
Please have the appropriate parties liable for this mismanagement. 
Thank you!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX THIS COMPANY OBTAINED MY SOCIAL SECURITY NUMBER WITHOUT MY PERMISSION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate 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 non-monetary relief
Consumer complaint received 2022-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
ON THURSDAY THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX  ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
When Covid-19 came they didnt have any help with making my account to stay in good standards it was very hard maintaining bills and they didnt do anything to help with my payments customer service was very rude and barely wanted to assist me with my debit ask to speak to managers and no one in management wouldnt help as well this is something I could afford I didnt have a job once XXXX hit I had been XXXX  and literally no one would me at all I need this account dispute off due to no help or communication skills as a agency

Company response to consumer: Closed with explanation