vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Had a savings account at HSBC bank got a letter that said refer a friend and receive {$500.00} if you open a checking account with your savings. Went to the bank to open one. The bank associate told me that she was not sure how to open the account so I would get the refer a friend money and the person who could help me was not in that day. She told me the best thing to do is open the account on line. So I went home and opened the account online because she could not do it at the bank. I went back to the bank with the account opened and the other person XXXX who was not there to help me the day before took care of the refer a friend. I waited months and got nothing so I called and they told me because I opened it up online I was not entitled to the reference money that it had to be opened at the bank. Because the bank associate gave me wrong information and did not do her job right I lost out and had a checking account I did not need or use. I deposited my 1st gov. stimulus check into the account. I asked to receive statements by mail but never got them. months later I went online to check my accounts and my checking account had minus XXXX. They had taken {$50.00} a month for 6 months out of my account and left me with a minus XXXX. After a few phone calls I got back 3 months of fees but I am still out {$150.00}. I was not told about any fees and was never notified that my account was in the minus. I really haven't been using the account at all and did not need it I only did it for the referral, now not only did I not get the {$500.00} referral money they also drained my account. I am XXXX years old and live on social security and savings and {$150.00} is a lot to me not to mention the {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CO

Complaint narrative:
Starting in XXXX of 2020, I contacted XXXX about falsely reporting an amount to a collection agency. They reversed the amount XXXX Early Termination fee ). They told me that I would need to pay the balance unrelated to an ETF, which I did. They informed me they would pull back from the collection agency. I have disputed the account through all 3 credit bureaus and Franklin Collection Agency still shows up on XXXX. Per XXXX  I have a XXXX balance and they don't understand why Franklin Collection Agency shows a balance. I have called FCA and they tell me they can't remove the balance, because it is still showing on their end. I have exhausted all efforts. This was false reporting to begin with and they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NY

Complaint narrative:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my 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 explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.

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 2021-01-22 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:
I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA

Complaint narrative:
I requested a forebearence on my VA loan with the Iowa Bankers Mortgage Corporation due to financial difficulties in paying my mortgage on time due to the coronavirus pandemic. OnXX/XX/, I received a notice that my mortgage was in deliquent status for the past 111 days and that I was being threatened with a foreclosure as well as being charged late fees from the Iowa Bankers Mortgage Corporation. They also failed to stop payments on my mortgage for the first month after I had requested the forebearence in XX/XX/XXXXXXXX. Their phone number is XXXXand their email is XXXX. Their mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX Account # XXXX {$1300.00} This is fraud on my credit report. 
This company has nothing in writing showing my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity XXXX Repeated calls and voicemails from XXXX - More than 4 times a day Multiple Private Numbers - 10 times in 2 days multiple voicemails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
For the last three to four month this company keeps adding 1 dollar too my account so my credit keeps getting hit. I tried to settle but they are hard to talk too. 
Dont know how too stop them from add 1 dollar every month, It just not right. 
Original amount was {$380.00} XXXX XXXX XXXX. {$3.00} add XXXX XXXX. {$3.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX Now it {$440.00} XX/XX/XXXX they add {$1.00} dollar

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
TMS The Money Source has failed to pay my property taxes in a timely manner, despite being set up with an escrow account, and it took me, the customer, to help them find the error since they wouldn't have caught it without my intervention. 

XXXX - Contacted TMS about tax disbursement from Escrow to confirm they had received tax bills XXXX - Uploaded tax bills from XXXX to TMS website just in case they were required. 

XX/XX/XXXX - TMS pays XXXX XXXX XXXX XXXX XX/XX/XXXX - Reach out to TMS and find out why the other two tax bills ( XXXX and County tax ) were not paid. Found out that on XX/XX/XXXX my account was set to No Escrow with no record of why or how that change was made. Upon further investigation, TMS found that my taxes would not have been paid and started to enable Escrow back on my account. I was told that this take 5-7 days and that my taxes would be paid afterward, which means my taxes are going to be late. I have never had a late bill in my life, and now because of TMS 's error, I will have two tax bills that will be reflected as late. 

TMS has been unable to give me a date as to when the taxes will be disbursed and just that it will happen after 5-7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
I had filed the following complaint with affidavit but XXXX XXXX listed it as duplicate. This isn't correct since it was new. " I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled. ''

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 2021-01-22 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-01-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I wrote a letter to XXXX, Equifax and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OR

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-01-22 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: EQUIFAX, INC.
State: OR

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I opened a XXXX XXXX XXXXXXXX credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of XXXX XXXX XXXXXXXX. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional XXXX score and now it has dropped signficantlly all due to one XXXX XXXX XXXX payment of {$89.00} which I was never bill for!

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 2021-01-22 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: MD

Complaint narrative:
A fraudulent installment loan was made in my name in XXXX, became delinquent and appeared on all 3 credit reports. I discovered it in XXXX. I filed a police report and provided the company that opened the fraudulent loan in my name by a fraudster with information confirming my identity. They removed it from the 3 reporting credit bureaus. However, it took 10 calls and multiple hours on hold with Experian to get it removed. Experian also removed my correct prior address and left the fraudulent address on my report. Once again, I have been given a run around to get this address removed. They also have a product called Identity Works that I enrolled in that did not allow me to log in consistently stating my credentials were incorrect. I had to call to reset and once again this took multiple tries. This company also makes it difficult to restore and file disputes compared to XXXX and XXXX 

Experian is NOT consumer friendly and is inferior to the other 2 credit reporting agencies. Their call center and processes need to change.

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 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
During the CORONA VIRUS pandemic THE BANK PNC withheld my fund fraudulently without any reason and authority. BOTH my saving and checking account was withheld as I could not withdraw money from both my checking account or saving account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SW CRDT SYS - They have accepted payment in full as negotiation of settling debt. The attachments to this complaint contain a {$1.00} money order front and back, and a screenshot on XXXX XXXX  showing they accepted the {$1.00} money order. They have refused to remove item off credit report and update my owed balance to {$0.00} even after processing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Hi XXXX XXXX / ACA of XXXX ; I just got out of strange phone calls with representatives of XXXX XXXX XXXX # XXXX ) and ACA of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation