vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I have had an impeccably record of paying my dues to the mortgage bank for 8 years and in XX/XX/2022, I was told my XXXX payment was not received. This was communicated to me by HSBC ( mortgage bank ) while I was on using the pay over the phone service for the month of XXXX XXXX. I was told my bank XXXX XXXX XXXX ) returned the payment request for an unknown reason although sufficient funds were available as indicated on the attached statement. 
Details of the events are as follows : XXXX for XX/XX/2022 was initially paid over the phone on XX/XX/XXXX. Two weeks later I noticed the funds were not debited from my account and I called HSBC to enquire about the transaction. I asked for the agent over the phone to investigate why the payment was not completed but was unable to establish a cause. Why crosschecking with the agent, I realized they had incorrectly logged my account ( XXXX XXXX XXXX ) as a checking instead of Saving. The correction was made and I was assured by the agent this should rectify the problem. No communication from HSBC for weeks thereafter until I made the phone call in XXXX. I have attached the account statement for XX/XX/2022 plus my communication email with HSBC. I raised an official complaint with HSBC shortly after but they were not willing to own up to their failure to contact me and reported my payment as late with the credit bureau and my XXXX average credit score plummeted to the low XXXX. I do not feel this case was handle fairly and would like your help with it. Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XX/XX/XXXX XXXX5 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used a wire transfer feature from my bank " XXXX XXXX '' to " Jp Morgan Chase Bank '' in the amount of {$15000.00} on XXXX. The funds did not arrive in the specified account. I have been trying to recall the wire transfer since XXXX. My bank " XXXX XXXX '' states that they are waiting for a response from Jp Morgan Chase Bank. As of XXXX Jp Morgan Chase Bank has not responded in anyway to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I got an email stating someone got a copy of my experian credit report without my consent or knowledge This account ( XXXX XXXX XXXX XXXX ) THE FRCA REGULATES CONSUMER REPORTING AND PROTECTS THE PRIVACY OF CONSUMER REPORT INFORMATION.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} 10/22 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$640.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX Account Card, has violated my right. 

15 U.S.C 1681 section 602 A.States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
" XX/XX/XXXX Re : complaint against Ed Financial CC : Federal Student Aid Ombudsman Complaint, Ed Financial and Consumer Protection Financial Bureau To Whom It May Concern, I was fortunate to have my loans discharged through the Borrowers Defense and I am very appreciative! However, the refunded money for past payments and interest is incorrect. I have printed my monthly documents from Ed Financial and they reimbursed me for Loan 2, & {$17000.00}. Per the Federal Student Aid website, I have paid {$29000.00} since XXXX. For loan 1, I have paid {$31000.00} since XXXX. I have not received any reimbursement for that loan. But Ed Financial took away the balance ( loan 2 ) of {$45000.00} after the loan was discharged and said I owed XXXX plus XXXX in interest without any refund. This is incorrect. Federal Student Aid states I have a zero balance on loans 1 and 2. I paid a one-time payment of {$44000.00} in XX/XX/XXXX which Ed Financial verbally acknowledged but, there is no record of this on their online site. I have called them and explained repeatedly but nothing changes. My calculations of money paid toward my student loans between XXXX XXXX is {$60000.00}. Please help me get the proper reimbursement. Thank you for your help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received an email that Chase was closing my business checking and XXXX  account ( these are my business accounts for law firm ). I called and was informed that the person on the phone could provide no information as to the reason and that a check would be mailed to me overnight for the total amounts. I then applied to open a business bank account with the XXXX  XXXX XXXX. I immediately received an email stating my application has been declined because of information received from XXXX XXXX XXXX , XXXX. It's clearly related. I am not sure what to do from here. At a minimum, Chase should provide a basis for this extreme measure, and an opportunity for me to appeal, provide explanation, or more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Please download my letter, it shows screenshots of all recent inaccuracies please correct the matters with the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This was a business account under XXXX XXXX XXXX, and they attached the debt to my personal social security number. This has been presented to the company in question via phone conversations in XX/XX/2024, and again in XXXX of XXXX. This is affecting my life and making it hard to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX

Complaint narrative:
XXXX of XXXX, SeedFi is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: TN

Complaint narrative:
Ive been trying to get this unknown collections debt that all of a sudden appeared on my credit report on XX/XX/XXXX. I called the collection agency and they couldnt give me the date of this original debt, address of the debt, date of last payment, how old was this account, or was this debt statute barred or prescribed? They claimed to have purchased the debt in XXXX. I informed them that I never had a XXXX account but they insisted on me taking ownership of that account. I tried for more than three months to have this issue resolved with XXXX, XXXX, and XXXX to no avail. Its my understanding that the Fair Credit Reporting Act ( FCRA ) 15 US.C. of 1681 ef seq., promotes accuracy, forgiveness, and privacy of personal information assembled by Credit Reporting Agencies ( CRA ). The FCRA also allows for statutory damages for willful negligence, noncompliance of the law by Credit Reporting Agencies. I asked the Credit Reporting Agencies ( CRA ) to remove all erroneous negative from my credit report ( Section 609 ) but have been unable to do that for months. They have refused to remove the negative information. I would greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my XXXX XXXX XXXX  and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent XXXX XXXX, and TRANSUNION 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent Equifax XXXX, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After several attempts, Ive submitted documentation to show all my XXXX accounts have been closed since XXXX. Actually, the balances of the XXXX accounts were transferred to XXXX at the end of XXXX and XXXX have closed the accounts in XXXX due to PSLF. All my XXXX accounts show as closed on all my credit reports but my XXXX accounts show as open on Experian. If you would go to my XXXX account on their site my accounts show as closed as of XXXX and its shows on XXXX and XXXX. Despite several attempts to submit documentation reflecting that my XXXX accounts are actually closed Experian still believes it is still open. Nothing really gets done on their end, you are my last opportunity to get this corrected.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I recorded the phone call with Sunbit on XX/XX/2024. XXXX on business travel and recorded in a one-party consent state where its legal. Sunbit is attempting to collect a debt and provided false and misleading statements telephonically. An employee by the name of XXXX purported to be a supervisor and said Im 90 days past due on my loan. This is completely false. I never been 30 days past due in any billing cycle and I have bank statements, telephone calls and percipient witnesses that will testify, including myself. Sunbit is categorically and unequivocally in violation of, among other things, XXXX XXXX ( which applies to original creditors ). I intend to retain a consumer law attorney and file suit. I will engage in surfeit prosecutorial actions, until and unless, Sunbit finds an amicable resolution on the matter agreeing that I was never 30 days past due in any billing cycle. Fair warning : if Sunbit reports any late payments on my credit reports with any of the consumer reporting agencies I will file suit which will add FCRA and XXXX violations and settlement will be off the table. In addition Sunbit will pay any and all arbitration costs including all my attorneys fees. The fact is, I was never 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX of 2021, XXXX is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX of 2021, XXXX is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.

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 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an Amex eGift Card. I received an email with a direct link to XXXX : XXXX which shows the balance. I attempt to use this on XXXX numerous time and nothing is working. And the transaction is declined. Many people have reported having this problem at numerous places in person and across the internet. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Is reporting false and inaccurate information on my credit report. There is no such account and I want this removed immediately.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I was informed via mail from a bankruptcy advertisement that a lawsuit was filed against me from CKS Prime Investments , LLC, in the amount of {$1700.00}. I have no legal contract with them for anything, in fact, I have NEVER even spoken to them. They are illegally holding me responsible for a debt I don't have with them. 

I sent a correspondence 30+ days ago, and have not received any response. Attached to this complaint is the letter that was sent to them.

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