vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Not to long ago trans union deleted inquires on my credit report and 1 week later reinserted then. I was never notified of this and it has affected my score. To a point where I am unable to purchase a house. It brought my score way down.

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX 1XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX13.XXXX XX/XX/XXXX14XXXX XXXX XX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16.XXXX XX/XX/XXXX17XXXX XXXX XX/XX/XXXX 18.XXXX XXXXXX/XX/XXXX 19.XXXX XXXX XXXX XX/XX/XXXX 20XXXX XX/XX/XXXX 21. XXXX XXXXXX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX 23.XXXX XXXX  XX/XX/XXXX.XXXX XX/XX/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 explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.

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 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
this is supplemental to complaint # XXXX on XX/XX/18 contract resolve responded to my above referenced complaint with threats of retaliation by texts, emails and phone calls. the emails included name calling directed at me, confidential information was shared with the city code enforcement and including an email they sent to the chamber of commerce with what appeared to be an attemot to initiate a loan request in my name. i have all messages saved including tracking data to verify origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need 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 2018-02-12 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX we discovered we had a number of delinquencies on our Wells Fargo Home Equity account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XXXX, we found that our Wells account had late payments showing for XXXX, XXXX, XXXX and XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. Wells Fargo disagreed with our dispute of these entries. We then spoke directly to Wells Fargo in late XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX MT. We received a response from XXXX in early XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. Wells completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX andXX/XX/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 explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
Debt for.a payday loan i was not aware of for XXXX thru XXXX  which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
Received from Trident Asset Management, LLC XXXX XXXX XXXX XXXX GA XXXX. Account # XXXX a collection letter stating they purchased from another collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX a former XXXX bill of mine dated XX/XX/XXXX 

I have written back to them stating this bill has long been paid directly to XXXX and as a matter of fact I currently have service with XXXX. Anyone who has ever had service with XXXX knows that you can not get new service without paying any previous service in full. I don't know where these companies are getting their information since I have never known XXXX to use an outside source to collect debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
I was denied a business account with a local bank, mind you, I have several business checking accounts started in the past 3 years. I was told to contact ChexSystems. I called and requested a copy of my report. I received it and disputed the charge of {$96.00} from XXXXXXXX XXXX XXXX  from XX/XX/2014, which I'd have paid if I owed it. They sent me back a letter stating they " verified '' the information and it would stay on my report and that I should contact the bank. Contacted the bank again who told me to contact ChexSystems because I owe NOTHING in their system. Spoke with ChexSystems and they told me I had to file another dispute because they put the wrong phone number for XXXX XXXX XXXX  on their " investigation report ''. This is horrific because there is no accountability with ChexSystems. Who did they " verify '' this information with because XXXX XXXXXXXX XXXX is telling me I owe nothing?

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 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
So, I wanted to close my cable/internet account with XXXX because I was moving, and they said in order to close your account you need to pay {$180.00} for the rest of the month. Then, next month, in my new apartment, I signed up for XXXX, and they billed me for something I already paided for, I tried to contact them and they would hang up on me and soon sold my collection to another company whom are charging me {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need 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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about 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 non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hospital Services, Inc.
State: ND

Complaint narrative:
After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
We sold our house financed with XXXX. We turned ownership to the new owner XX/XX/XXXX. My first call to XXXX was on the XX/XX/XXXX. I inquired as to {$2500.00} escrow money that was to be released back to us. They told me that it would be up to 14 days. I called the 2nd time on the XX/XX/XXXX which allowed 17 days. I asked the individual handling my account to put a stop payment on the 1st checkand to Expedite the check. He assured me that he would expedite the check and assured me that I would have the check in 5 days. 
XX/XX/XXXX I called for the third time and demanded that the money be directly deposited into our bank account. The customer service manager acknowledged receiving all pertinent information needed to direct deposit the money into our account. She very clearly told me that she would call me when the individual responsible for wiring the money was done wiring it. I provided all the information by XXXX XXXX   Pacific Time. She indicated that it needed to be there prior to XXXX XXXX Pacific Time. 
I have received no call, nor has the money gone into my account. 
I have been lied to, and as far as I can tell they are refusing to release the funds to us. Their deceptive practices are illegal and are completely hinging on fraud.

Company response to consumer: Closed with explanation