vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: First Technology Federal Credit Union
State: ID

Complaint narrative:
Hello. I received credit card offer from First Tech credit union to open Choice Rewards Mastercard. This card goes with XXXX XXXX intro APR for balance transfers for 12 billing cycles from the date of 1st transfer. I've opened the card, used it for purchases for {$3100.00} and also made a balance transfer of {$32000.00}. Before 1st statement issued on XXXX I've made payment of {$1000.00} on XX/XX/XXXX. I paid {$2100.00} which should cover all remaining purchases on XX/XX/XXXX. However in new credit card statement there was an interest of XXXX XXXX  applied to not paid purchases of {$990.00}. Interest amount is {$7.00}. The credit union split my 1st payment of {$1000.00} and directed most of it to balance transfer amount of and small part of it to purchases, so {$990.00} remained uncovered. I was told by bank that because my 1st payment was done before statement, it was split and my next payment of {$2100.00} goes only to purchases. It is illegal because according to Credit Card Act of XXXX all payments should go to balances with higher APR, that is to purchases and not to balance transfer with APR XXXX XXXX  Below is answer of bank representative at chat : " The {$2100.00} payment on XX/XX/XXXX went completely to the merchandise balance. The previous payment of {$1000.00} on XX/XX/XXXX was divided with {$32.00} going towards merchandise and {$990.00} towards the balance transfer. The {$1000.00} payment was made before the statement cycled and got distributed with the age of the transactions. '' I requested fee cancellation and directing all my payments towards purchases but have not got any answer online nor from city branch. My requests were ignored. I made 3d payment of {$1600.00} to cover fee, minimum payment and remaining purchases, but credit union again split this amount according to XXXX statement and applied XXXX XXXX interest to {$540.00} of purchases ( {$4.00} XXXX. So it was absolutely incorrect information that they split payment only one time before 1st statement was issued. And bank again failed to comply with Credit Card Act XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed multiple times collection accounts with Experian, XXXX XXXX XXXX  that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.

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 2021-06-08 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:
Equifax, XXXX, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

Equifax, XXXX, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave Equifax, XXXX, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax, XXXX, and XXXX  any written instructions to report this account. Equifax, XXXX, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax, XXXX, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax, XXXX, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax, XXXX, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
XXXX, XXXX, and Experian have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, XXXX, and Experian are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, XXXX, and Experian any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, XXXX, and Experian any written instructions to report this account. XXXX, XXXX, and Experian have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, XXXX, and Experian keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, XXXX, and Experian reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, XXXX, and Experian have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Problems with inaccurate, unverified information reporting on my credit report, which is preventing me from obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX  concerning this matter asking for proof that these accounts was properly verified and reporting accurate information and nothing has been sent or done to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I had a gym membership ( XXXX XXXX ) and due to covid was unable to use the membership. Once the establishment was re opened I went in to cancel my membership in person. The receptionist said the person who could cancel my membership was not in therefore gave me a email address which was incorrect I reached out several times with out any assistance. First credit services reached out to me and I provided email documentation to them as proof that I asked for membership to end. They ( first credit services ) did not respond either. I received a letter and disputed the validity of the debt and still did not receive any proof that I indeed owed the debt or the questionable amount. I feel that both the original creditor and collection agency are taking advantage of people during a vulnerable time. I was current with my membership and paid for the last month in advance. I do not owe any money for a membership that I tried several time to cancel because I felt that my health was at risk. There has been no action taken to rectify the issue. As a result my credit has been damaged for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I as of late sent a debate letter to TransUnion, XXXX, and XXXX on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was renting an apartment for my son from the XXXX XXXX XXXX XXXX and paying monthly payment of {$570.00} using Bank of America 's Bill Pay online payment service drawing out of my checking account. Eleven of the payments were paid correctly but the payment dated XX/XX/2020 was fraudulently cashed. I began the complaint process with Bank of America in XX/XX/2020. XXXX XXXX XXXXXXXX XXXX provided them with two affidavits and it took Bank of America until XX/XX/2020 to finally agree that fraud has been committed. I had to pay XXXXXXXX XXXX XXXXXXXX XXXX and have had at least ten phone discussions and five online message discussions with Bank of America but have yet to receive my refund. Some of the online discussions have been ridiculous such as saying haven't heard back from XXXX XXXX  XXXX XXXX despite them sending two affidavits and saying they found a XXXX or XXXX payment so case is closed. Those were for different months where the online checks were cashed not the fraudulent XX/XX/2020 check cash. Beginning in XX/XX/2020 XXXX 4 months ago ) the excuse became " Waiting on response from bank of first deposit ''. How long do I have to wait and why can't I have my money back. It has been 15 months since my check was fraudulently cashed. How long do I have to wait? Thanks for your help in this matter. 
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 monetary relief
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately, or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Be advised, the following company UNITED COLLECTION BUREAU XXXX INC is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. UNITED COLLECTION BUREAU , INC must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: MA

Complaint narrative:
After numerous requests with Transunion Credit Bureau to remove fraudulent inquiries on my credit profile after reporting that fraud has happened under my name, the inquires to this date have not been Deleted. According to the FCRA, Transunion had violated my rights as a consumer and Im requesting legal action to remove all inquiries from me account, minus XXXX XXXX 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 explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/2021 received alert from barclays credit card for 2 transactions, {$670.00}. & {$790.00}. total is {$1400.00}. i disputed this and wasnt given the opportunity to participate in the investigation. i have asked multiple times for proof of the charge, how was the charge made, when, is there an invoice, transactions signed, we have been denied of this information, we filed claims with the credit bureaus and one of them have removed the charge. XXXX XXXX XXXX mistreated us as customers and has refused to provide us proof of the charge that we only have a contact number on the fraud charge, is not working number. we have no knowledge and can not get a hold of the fraud merchant as no XXXX info comes up, we have no information to fight the merchant as barclays investigated but refused to give us the documents thats says we did thus fraud charge, so how did XXXX  determined we are responsible if the merchant is non existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I as of late sent a debate letter to XXXX, Equifax, and XXXX  on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I as of late sent a debate letter to XXXX, XXXX, and Experian on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.

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 2021-06-08 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I filed a complaint with you against Mariner Finance XXXX IL and XXXX within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I got approved for and received the Amazon reward visa signature card which is through chase bank. A family member who lives in another state received a letter on XX/XX/XXXX that I needed to fill out an attached social security form ( SSA-89 ) and a w-9 and then send these back or they would close my credit card. I couldn't fill these out because I live in Massachusetts and my family member lives in California. I then called chase bank asking if they could email the forms to me and they refused. I asked if they could mail the forms to my actual address and they refused also. They also refused to change my address to my actual address initially. This was especially confusing because they sent my credit card itself to the correct location, and I think they got the other incorrect address from Amazon or something. I later asked what if anything I could do to keep my credit card open and they said I needed to visit a local chase branch and fill out the paper work there. I talked to my local chase branch at XXXX XXXX XXXX, XXXX, MA XXXX and they told me there was nothing I could do because I didn't have my social security card on me. I don't have my social security card on me in general because I'm a student and it is at my home state and I would need to get a new one which would take more time than I had. I spoke to chase on the phone again for hours and they told me that there was nothing I could do and that I could not have an extension for time and that my credit card was being closed. They told me to reapply which I did and was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX a check amount of {$2200.00} was mailed out and to be applied for XXXX and XX/XX/2018 payment making me paid up for 2 payments in advance.Unfortunately, it wasnt applied to my account XXXX XXXX. Resulting me to be reported late with the credit bureaus profile as being 30 days late twice on XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation