vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer.  XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I closed my business checking account with BBT account. I drove to XXXX XXXX. I received XXXX after it was closed in cash year checks. I now i had more money in the account then what was givn to me. i asked about my money. as was told if any other money come into my account it will be sent back. Will as of XXXX XXXX I received a letter from BBT BANK stating my account XXXX is over drawn XXXX please add money tomyour account to bring it current. I now who did it I can prove it was not me. I also told that the my money add up too XXXX or better. My name was used to open other banks that I did n't opened. This money was my business start-up loans that I got approve for. i was told the account had checks that was written out of. And was written fom XXXX XXXX. I was also told, it is more than one person 's that is involved. I did not do this, it has affected my company, I cant afford my companys operation expense bills payroll, and my life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: TX

Complaint narrative:
I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX  package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! 
Thank you ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider 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 monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX 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 2017-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I purchased two cashier checks ( {$5000.00} each ) from XXXX bank in California, in XXXX and XXXX. XXXX was subsequently bought by Citibank. Four months ago I found the checks and deposited them into my Citibank account but they were returned ( and fees charged ). I visited the branch manager, XXXX XXXX, who promised to take care of it. After months of non-returned calls and emails, the bank told me that the funds had been escheated to the State of California. 

I wrote to the State who sent a letter informing me that they never received any funds, and to get the date of the transaction from the bank. The bank said they did n't know the date of the transaction. 

They then decided that the funds had been escheated to XXXX ( where I currently reside ), or XXXX XXXX. Both states ( and a search of ALL states ) did not have the funds. XXXX. suggested I ask the bank for the date of the transaction. 

They are refusing to return my funds ( even though they concede in writing that the checks do not expire ), based on the their emailed assertion that they do not keep records for accounts older than 10 years ( consequently I will be closing all my Citi accounts ). 

They accepted my money and issued me cashier checks. They lost their records and now refuse to cash their own checks. 

After XXXX months, I do n't know how to proceed. I have copies of the checks and all the correspondence between Citi and the states.

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 2017-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

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 2017-11-17 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've disputed a XXXX XXXX account with Equifax and XXXX multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and Equifax and XXXX. Equifax and XXXX continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

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 2017-11-17 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: PA

Complaint narrative:
An investigation was completed on my credit report Completion Date XX/XX/XXXX. 
Report Number XXXX. Item was deleted on my report and placed back on my report. I reached out to equifax on XX/XX/XXXX and advised them that the items was placed back on my report. doing the conversation I was told that the Items was found and would be corrected. After waiting and updating my report several times. It has come to me as of XX/XX/XXXX, that the report is still stating that the items are still on my report. I am asking for my report to be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Two weeks ago I called customer service of Bank of America Credit Card reward program asking to redeemed my {$15.00} points in any way - transfer to my checking account, as a credit in my credit card or cash by check. The agent and supervisor denied my requested even I explained them I have n't used my card since one year ago. Also, I wo n't use it because I do n't need it. They told me even If I cancel my credit card they going to hold my points {$15.00}. I told them It 's no fear. I earned those points so It 's my right to ask for them. The supervisor told me if I want to redeem my rewards I have to earn {$25.00}, it means I have to expend more money using my card. I think the bank has no right to force me use its card.I asked please the bank if I can have one time courtesy as a good and loyal customer. They denied it. Please, I need your help about this because again it 's completely unfear. Thanks a lot, XXXX XXXX Bank of America cash rewards credit card

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 2017-11-17 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
There are three ( 3 ) student loans ( Navient ) that appear on my credit report with all three Bureaus, XXXX, XXXX, and XXXX. This has been reported on my credit report since XXXX that 's 23 years. Navient was originally XXXX XXXX. When I disputed this for the 1st time XXXX XXXX was removed and Navient was not. I received a notice in XX/XX/XXXXof the split between XXXX XXXX and Navient. We filed Bankruptcy Chapter XXXX and XXXX XXXXNavient was reported as creditors. Now that we are out of Bankruptcy and  the Bankruptcy has been removed from our credit report at all three bureaus Navient remains.I need help in getting this removed from my credit report at all three bureaus.

Company response to consumer: Closed with explanation