vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I started the process of opening a Direct Savings account with HSBC on XX/XX/2020. At that time, the advertised rate on the website was 2.05 % APY. see https : //www.us.hsbc.com/savings-accounts/ After a couple of weeks, the account was approved and I transferred my funds. I got my first statement at the end of the month, and saw that my actual rate was 2.00 % APY. Around the same time, I received an email notice that the rate would be dropping to 1.85 % APY on XX/XX/XXXX, around two weeks after I opened my account. 

I contact HSBC to request that I be given the advertised rate, and they denied my request but acknowledged my complaint. The terms on the website state that " APYs are variable and subject to change after opening. '' However, given the cost, both in time, and potential fees, it seems unethical and unfair for the bank to change the rates so soon after the account is opened, and by such a large amount ( a 10 % reduction in the rate!! ). 

Had I known that the rate would change so suddenly, I never would have gone through the time and effort of opening the account. 

Further, there is a charge for closing the account within 180 days of opening it : " Account Closing {$25.00} If your account is closed within 180 days of opening. '' Additionally, as of the writing of this report, the rate displayed on the HSBC Direct website is 2.00 %, but according to the email that I received, the actual rate that a new customer can expect is 1.85 %, which is apparently false advertising. If HSBC knows that they will be changing the rates in the coming weeks, they should be required to change their advertised rates to reflect what the customer will actually receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: AL

Complaint narrative:
Over the past 3 months I have been sending letters to Transunion to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following account : XXXX XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want Transunion to correct the violation so no other action will be required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
AD Astra Recovery Service put my account as opened on XXXX XXXX. I did not Receive services from them during this time. This company is also known as XXXX XXXX for the amount of {$310.00}. they also reported this to all three credit bureaus ( XXXX, XXXX, and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I was called by the company and told I needed to take care of this debt. I think they are a scam organization, as I have no debts. I've researched that they buy up junk debts and try to collect, often from the wrong person. They have been sued many times. I have no debts what so ever that are or have been delinquent in the last 20 years. I hung up on them, but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Today, XX/XX/2020 at approximately XXXX I was unable to use my Capital One Visa card ending in XXXX to pay my {$17.00} haircut at XXXX XXXX. 

When I returned home, I called Capital One XXXX. XXXX took my call. I asked her why was I unable to use my card and she replied, there has been a fraud activity on my card and my Visa card ending in XXXX has been restricted. I asked XXXX when was the fraud and from whom. XXXX said it happened just before my haircut purchase. I asked for more information on the fraud activity such as date and time it happened and she hung up on me. 

I called the Capital One XXXX number again and asked to speak to upper management. XXXX took my call and she transferred me to XXXX, a Manager. XXXX said XXXX did not take any notes from our call and apologized. XXXX agreed to file a complaint on her behavior. I asked XXXX to tell me when and where the fraud happened. XXXX said that a " merchant '' was compromised not my Capital One Visa card ending in XXXX. I asked her who was the merchant and she advised me that she is not allowed to tell me. I then asked her if other charges besides the {$17.00} haircut charge were declined and she said yes. XXXX told me that two charges from my health insurance company, XXXX were declined. XXXX was the merchant before today 's haircut. XXXX then asked me for my phone number so she can send me a one-time verification code to send me a replacement card. She read a disclaimer advising me that I may be charged to receive the one-time verification code. I refused. XXXX kept asking for my phone number. I kept saying that I will not give her my phone number and that she needed to send me a replacement card to the address she has on file. XXXX just kept asking for my phone number. I hung up after 4-5 requests. 

I called XXXX and asked them it they were compromised. XXXX said no - that they had no breach on my account or anywhere at XXXX. I asked XXXX if my autopay charges were declined by Capital One today and XXXX said yes, it was declined today at XXXX and no reason was provided. 

XXXX, the merchant prior to my haircut purchase today, and the only other merchant declined was not compromised. Accordingly, I was incorrectly informed by Capital One. Furthermore, Capital One has frozen my account for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I try to log into my chase account to fund my account and was alerted I was locked out due to suspicion activities and to call to get it unlocked I was informed its closing for no reason and it's no one who I cant talk to saying no such thing as a executive and no one will open it back up this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Sequim Asset solutions has my account on my credit as opened on XX/XX/2019. I need some type of contract stating that this is the correct date. I did not receive service from them around this time. The balance they are saying is {$210.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My mom bought a car, I have never seen the car, so even though I clicked used car I am not sure. I never saw the car. 
The salesman called me and asked if I would come down and cosign. My mother came home with the car. The salesman never called me to come and sign anything. I asked my mom. She said they said they just approved her by herself. I called the salesperson. He said everything is finished. I never signed for this car. The dealership should not have me on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: FL

Complaint narrative:
Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
XXXX  XXXX  has assigned CBHV ( Collection Bureau Hudson Valley ) collection reference no XXXX, Account # XXXX, Collection amount {$39.00}, I was XXXX XXXX  customer for years, in XXXX i moved to a different location where they didn't have XXXX  rather that place had XXXX  therefore i called XXXX  disconnection dept to get the internet disconnected a week earlier from the last day i had already paid them for the month do disconnect in advance, they asked me my new address and confirmed that they do not operate in that area and after all said and done they refuse to disconnect my internet on that specific date as i had the no contract internet which i can disconnect any time as per terms and cons of XXXX, i had to spend 1 hour arguing that why are you forcing me to call at later date as i have the right to disconnect today, after all said and done they did not disconnected the internet on that day and closed my account next month, after a 2 months i have received debt collector letter to pay amount or they have written in big bold letter that it would be sent to your credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harnessing me to pay or it would be sent to credit beuro

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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:
Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my account for money orders issued to myself for being deposited into my checking account they invaded my privacy of the deposit of approximately 5700 dollars in money orders and deemed it fraudulent however the money has not been report as a scam and the bank contacted the sender who confirmed it was for me but the bank denied this action and still deemed it fraudulent the bank is refusing to commit are about the manner transparently they are holding the funds and they are refusing to let me be aware of what going on with my account they havent had the police to contact myself reguarding the deposit and will not release the fund to myself. The bank has said I should be implicated for the deposit and have automatically deemed guilty for the matter and have not let me speak for myself to the authorities they have a disposition to in XXXX the myself for the deposit even though the money has not been reported stolen I am being discriminated by the bank because of my XXXX and not been given a faithful benefit of the doubt or trust by the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America informed me their was debt charged off in 2005 for a Mastercard I never opened. I was informed by the representative it was the primary decision for my recent denial for the Bank of America Cash card with a XXXX FICO score. I am requesting the debt to be cleared from my name and reconsideration for the credit I applied for due to this inconvenience and knowledge being provided to me. I never opened or authorized anyone to used my information to obtain credit in my name in 2005.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage Servicing attempted to foreclose on Homeowner in the midst of discussing a foreclosure alternative with Homeowner. 
When a loan servicer is engaged in discussing a foreclosure alternative but proceeds with foreclosure -- this is known as " dual tracking. '' Shellpoint recorded a Notice of Default and Election to Sell. After complaining that Shellpoint violated Nevada 's Homeowner Bill of Rights, the Beneficiary of the Deed of Trust recorded a Rescission of the Notice of Default. 
Homeowner is now beginning a new foreclosure alternative process and is sending a Request for Information in accordance with state and federal laws, attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I spoke with a XXXX XXXX representative XX/XX/2020 asking about this deliquent account with them. I provided the account number on the collection letter and the respresentativr stated that was not a valid account number and have no record of an account with them being in collections or past due. I asked the XXXX  representative if they were affiliated with the collection agency Sequium Asset Solutions , LLC. Which representative said no and it sounds like a scam. After speaking with XXXX, I checked the XXXX  XXXX XXXX  and found that this collection agency had over 271 complaints against them. Most of them were for the month of XX/XX/2020. The complaints were all the same ; complaints about debt being collected that they did not own and being reported on their credit report. None of the consumers accounts being collected on were legitimate accounts and how this company got their personal information to even report it is crazy. 

I want this issue resolved before I get a reporting on my credit report from this collection agency. 

XXXX confirmed that this was a fake account number and not associated with me or their company. 

The amount of {$420.00} is not a bill from XXXX and was advice that this was a scam. Judging by the complaints I see online I definitely believe that. 

The account number from XXXX that this company is trying to collect on XXXX is not a real account number. Please have my personal information from your company and do not send me any further correspondence regarding this fake account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson capital system re aged a collection account they purchased from XXXX XXXX. The original debt was from XX/XX/2012 and they have reported to all three credit bureaus the account is 3 mo the old which makes it illegal to re age a account per FCRA. I filed a dispute and contacted the collection agency which the supervisor I spoke to informed me they have a payment processing company collecting the debt. Not only that but I am not legally responsible for this account. My debt was with XXXX not any other collection company so that in itself is not allowed. All three credit monitoring agencies have the delinquent date for 3 months from this date when it originally was XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have filed several disputes with Experian in regards to information on my credit report in regards to student loan information being reported wrong and outdated from 10 to 11 years old. I complained about a student loan from the US DOE ( department of education ) in the XXXX XXXX being too old and the wrong information but they came back with it was verified and the same time I was trying to get an address deleted XXXX XXXX XXXX   XXXX XXXX, In. And they said I had to contact the DOE XXXX XXXX and give them my address. I contacted the XXXX XXXX DOE servicer and was advised that there was no loan information in their system ( see attached information from them ) for a loan so it cant be verified. That means Experian lied about verification! They did have my correct address though so Experian lied about that as well. They are suppose to be 100 % accurate on reporting and they are not and they refuse to listen to the consumer at all! So I realize its not what you know but what you can prove I am attaching that proof today for you because they dont care about the proof or whats right. I also attached were the same information is being reported and its different with another credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I reviewed my Transunion credit report. The report contained 3 separate inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I did not authorize. It also contained an Employer by the name of XXXX XXXX as a result of one of the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Credit Card Fraud Claim Claim date XX/XX/XXXX says TEMPORARY CREDITS to your account in amount of {$470.00} ( THE TEMPORARY CREDITS have been made PERMANET. ) XX/XX/XXXX Statement attatched show {$560.00} TEMPORARY CREDITS they list as ADJUSTMENT PURCHASES ( beginning USAA fraud investigations ) And XX/XX/XXXX. Statement attatched TEMPORARY CREDITS listed as ADJUSTMENT PURCHASES show {$1.00}, XXXX total TEMPORARY CREDITS both months = {$2300.00} The CREDIT CARD FRAUD CLAIM letter claim date XX/XX/XXXX attatched shows {$470.00} TEMPORARY CREDITS and {$470.00} PERMANET CREDITS. 
If TEMPORARY CREDITS MUST BE MADE PERMANET What will the PERMANET CREDIT APPEAR AS ON STATEMENTS? I've never seen any PERMANET CREDITS TEMPORARY ONES SAY ADJUSTMENT PURCHASES. WHAT DO PERMANET ONES SAY? 
Please give dates of all PERMANET CREDITS. I am looking for {$2.00}, XXXX plus the {$470.00} from XX/XX/XXXX Credit Card Fraud Claim letter. 
I spoke with XXXX USAA REP today and asked How will I recognise PERMANET CREDITS? He said, they will be the TOTAL CREDITS FOR THIS PERIOD AMOUNT. XX/XX/XXXX that amount TOTAL CREDITS was only {$450.00} which included my credit payment of {$77.00} and XX/XX/XXXX TOTAL CREDITS were only {$910.00} There are NO USAA PERMANET CREDITS EVER ON MY ACCOUNT Where are the rest of credits due me? 
USAA has KNOWN THIS IDENINTY THEFT I REPORTED AS SUCH XX/XX/XXXX USAA COLLECTION LETTER attatched I have never had a card ending XXXX AND USAA BREAKS THE LAW There are statues against collections of Ideninity Theft USAA THINKS THEY ARE ABOVE THE LAW USAA OWES ME THE CREDTS NEVER MADE PERMANET They total. {$4.00}, XXXX USAA HAS KNOWN FOR 2 YEARS THIS IS IDENINITY THEFT USAA IS SUPPOSED TO BE ZERO LIABILITY I have been held liable for fraud 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 non-monetary relief