vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
This is the 3rd time I'm making an official complaint. I do hope that this is the last time I have to do this. Here is the timeline. On XX/XX/XXXX, I received an email from Fedloan stating that a new loan had been disbursed. This is odd because I've not taken out a student loan since XXXX and hadn't been enrolled in a college since XXXX. I contacted FedLoan and the school in question ( which I am not enrolled in ) and neither party could provide any specific information. I have since contacted FedLoan, the Ombudsman, and the CFPD multiple times seeking to find any information regarding a fraudulent loan placed into my credit history and have not received any documentation or reasoning. I have received a way to discharge the loan, however this does not inform me if my personal credit has been compromised, which has been one of my main issues. I'm tired of getting the run-around and do not have time to continue to get answers. I am truly fed up with this situation and am just seeking answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
I have received calls to collect money owed for a XXXX XXXX. Last year it was a company I cant recall the name but did tell them they had the wrong phone number and they stopped calling. Most recent today I received a call from company Berlin-Wheeler , Inc. attempting to collect debt from XXXX XXXX XXXX I told them they have the wrong number and Im registered with the do not call registry. The agent informed me that XXXX XXXX is obviously continually assuming my telephone number.

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. 

When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. 

Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. 

Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NY

Complaint narrative:
This company is crazy I filed a complaint and sent them what they asked for to remove a fraud collection account which they are reporting hurting me and my credit score when the item was never reporting this is not fair I sent my Ftc report they refused to blocke this item portfolio recovery I sent them a deletion letter and they still have not made the changes or updated on my credit file they are not following their own guidelines this is ridiculous when the company sent me a deletion letter I fosesred this to them and its still reporting this is the only credit bureau reporting this the other 2 removed it

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 2021-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Have received a call asking I renew auto-debit for student loans in XXXX, once every day for weeks, with no information provided about how to cease the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank opened a credit card branded through Best Buy. The card was in good standing, payments were on time, and in XXXX, I paid it down to zero. Without notice or reason, they closed my account, causing significant damage to my rising credit score. This has damaged our road to getting a mortgage. 

It is unreasonable to close the account without warning causing embarrassment during n attempt to make a purchase. This behavior needs to be addressed.

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I received an email today that says " After careful evaluation, we are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I have been with USAA for around 30 years, most of which was as a XXXX XXXX XXXX, I am a XXXX XXXX which qualified me for their services. 

I had several savings accounts, and a checking account with just over {$10000.00} in them, and 1 credit card with a {$0.00} balance as we use others. My credit score is high and we carry no debt other than our house. 

So I could not imagine why they sent this, the letter references just the credit card but when I called, and was on hold several times for an hour I was escalated to their Executive Resolution dept or something similar and was told they would not disclose any reason for the closure and also ALL of my accounts would close on XX/XX/2021 This makes no sense. I worked overseas for the last 7 years and just returned on XX/XX/2021 from XXXX. I spent 1 year working at XXXX XXXX with the military and then took a job with the XXXX government as an XXXX XXXX XXXX. They pay well so of course I transferred money back home on a regular basis plus a large deposit of my final pay when I left the job. 

If they were concerned about these transfers they could have asked as I have documentation of the job and pay. 

Otherwise I can not imagine why they would close the accounts.

It is unacceptable that they can do this type of thing to consumers. I am not inclined to remain with them at this point but I deserve a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MO

Complaint narrative:
This company falsely advertised on their XXXX that rates start at 2.10 % APR as of XXXX CST. I completed a Prequalification within 10 minutes of that advertisement and was offered a rate of 2.75 % with an APR of over 2.9 % with $ 6,000+ in points. 

They have a disclaimer that its for loans greater than XXXX with credit score of XXXX+. Both of which I fall into the categories of. 

In addition to they are also requesting deposit for services not rendered which is a complete violation and will further be addressed with the state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I received a message on XXXX dating app on XXXX & they introduced me to an investment " expert '' for crypto shortly thereafter by texting on XXXX. I transferred my own money to Crypto.com & additionally borrowed {$10000.00} from the dating app scammer on XX/XX/2021. Between XXXX they said I had earned more than {>= $1,000,000} on crypto trading on the site tgc-axwci.com. On XX/XX/2021 I was told I needed to add another {$11000.00} to the account to access my profits. The investor says I owe him {$60000.00} in commission. I am not able to access any of my money & I am being told I owe {$70000.00} to other people. 
$ was sent to Crypto.com on these dates in these amounts and then transferred to tgc-axwci.com from Crypto.com : {$100.00} on XX/XX/2021 {$1000.00} on XX/XX/2021 {$130000.00} on XX/XX/2021 {$16000.00} on XX/XX/2021 Here are the Tx Hash of all the withdrawals from crypto.com to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a shell fuel rewards card by Citibank in XXXX of XXXX. Since my first statement I have contacted the credit card company at least once a month to get a statement that reflects the discounts and rebates. It has been promised to me by XXXX to have this issue resolved in XX/XX/2021 to date nothing has been resolved. I continually have to call and follow up with different people that do nothing but promise they will fix the issue. It is now 6 months later and I can not get them to provide me with any accurate statement. What I am told is it is showing on their end - that does nothing for me I really do not care about what they can see I need an accurate bill. They were supposed to send me copies of all my statements with the details I have never received any statements except for the monthly statement that is not accurate displaying the discounts and rebates. I asked for them to call me back and was told they do not do outbound calls. To make this even more frustrating I have paid every bill on time with auto pay in full- they can take my money but will not provide appropriate back up for the bills. I have every bill and can provide all information if necessary plus the messages I have sent in their mobile app- where they basically blow me off once again. To me this is clearly switch and bait. I simply want an accurate statement displaying my discounts and rewards from every transaction from inception of this credit card. In my opinion they clearly have no intention of providing it. I need help in getting this information ASAP.

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 monetary relief
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
I applied for forbearance in XX/XX/2021. Enrollment was down at the college I worked at and my workload was shortened. SPS keeps asking for the same paperwork over and over again. I recently gave them my check stubs and they are requesting my check stubs again. SPS has no intention of helping anyone that was struggling financially during the COVID Pandemic. If they were looking to help me why did they do a Property Valuation Report, see attached. They keep sending me documentation on XXXX. I inherited the house from my parents that were in XXXX XXXX while alive. I am in XXXX  XXXX but the property is not listed on my XXXX  XXXX because at the time of my filing the house was just beginning probate court. SPS has no intention of working with me, their only intention is to sell my house, I have seen all reviews on this company. This company doesn't help anyone struggling financially. They use forbearance to trick people into an early foreclosure. Also the relationship managers never respond to your emails, voicemails or faxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XX/XX/XXXXXXXX XXXX {$7100.00} XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express Hilton Honors Surpass card about XXXX months ago with the welcome offer of getting XXXX points after spending XXXX dollars within the first three months. But I realized that I still do not have the welcome offer points after I spent more than XXXX dollars within the first three months so I chatted with their customer services on XX/XX/2021, through AE mobile app. They declared that my welcome offer was denied due to a previous relationship with XXXX and asked me to call XXXX to review my profile. But I have never applied for a XXXX XXXX credit card and I did not understand it. And I called customer services on the same day, they promised to open an investigation for me regarding the welcome offer and email me the result within 10 days. Unfortunately, I did not get an email after more than 10 days. So I called them and they did not give me any specific reason why I was rejected since I do not have any XXXX XXXX card, the reason they claimed why I was rejected the first time. They just kept saying AE has the right to reject the welcome offer without notifying me. I would consider this as a false welcome offer promotion for our customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PAYPAL READ THE DOCUMENT ATTACHED AND PLEASE DONT MAKE A LETTER COPY PASTE LIKE A BOT OR ROBOT. 

I MADE XXXX COMPLAINT BEFORE AND YOU TOLD ME THAT I WILL GET ACCESS TO MY MONEY XX/XX/XXXX WHY YOU MAKE ALL DIFICULT. 

I M REALLY TIRED ABOUT ALL SITUATION MY ACCOUNT WAS LIMITED, WHY YOUR SYSTEM STILL ADDING MORE LIMITATION AND ASKING FOR DOCUMENT. 
I CALLED MANY TIMES AND TEXT MANY TIME I DINT GET HELP. 

i sent many email explain my situation and nobody help or do somenthint for help ME XXXX I JUST WANT YOU DO THE SAME YOU SAID YOU WILL DO NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company 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 2021-11-17 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021

Company response to consumer: Closed with explanation