vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I have been a credit card customer of HSBC for over 10 years. During that time I never had problems making payments earlier than those scheduled through autopay. Recently HSBC boasted that they had a new and improved platform. However, what has really happened is that it is impossible to make an early payment with the new format. This happened first last month and it took about 35 minutes on chat to get the payment made which was essentially the minimum amount from the checking account approved for autopay. Simply stated, rather than waiting for autopay to take the payment, I wanted to make it two week early to save interest. Again this month I was unable to make the early payment and after about 40 minutes and this time TWO ( 2 ) CUSTOMER SERVICE REPS they concluded it was not possible to make early payments once autopay was ON. 

This is fraud. The idea of autopay is to avoid the absurd and obscene late charges that HSBC seems to love. To prevent people from paying early seems to feed the greed of HSBC. From the recent position statement of the CFPB, it seems the Bureau is interested in all this sly and dirty dealing done by banks. This is a prime example. It is greed that prompted HSBC to institute this " new and improved '' platform. More lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

Transunion Unauthorized Inquires : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX Unauthorized Inquires XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank Ultimate Rewards Master Card received my payment sent XXXX/XXXX/XXXX  and cashed the check ( as verified by by U.S. Post Office Signature Delivery Confirmation Card signed on XX/XX/XXXX XXXX  and sent to me by Comenity Bank MasterCard representative ) I received a bill today, XX/XX/ for {$62.00} due XX/XX/ that does not show they cashed the check ( which they cashed after the due date to incur penalty ) on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 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: MI

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX XXXX  XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX. 
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 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY  ACCOUNT XXXX XXXXXXXX. 
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 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX saying they had put a block on my XXXX  XXXX Account. I do not have this credit card and have never applied for it. The letter asked me to verify my identity by sending them a copy of my driver 's license, identity card, passport, military ID card, or permanent resident card. It asked me to mail a copy of the document to them at the address above or fax it to XXXX. It said if you have questions, call XXXX. I just ignored this letter since I didn't think this company was legitimate and making contact with them would give them more information about me that I didn't want to give them and I wasn't going to send them my personal information. It also says the XXXX  XXXX account is issued by XXXX XXXX XXXX Member FDIC and serviced by Genesis FS Card Services , Inc . 
Today in the mail I received a bill from Genesis FS Card Services for the amount of {$76.00} for my account. It says {$75.00} of this amount is for " Annual Fee '' and {$1.00} is for " Credit Protection Fees '' for a total of {$76.00}. 
I have never authorized or received this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
XX/XX/22 a collection was put on my credit report that is not mine from Recovery Management Serv. Please remove 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal is charging me late fees because I paid my account early. They say their policy is to charge a late fee if you pay between your due date and their generating new bill period. In 2023 I paid XX/XX/XXXX, XX/XX/XXXX, & XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These were large payments over the amount owed. XXXX was toward XX/XX/XXXX bill, XX/XX/XXXX was for XX/XX/XXXX bill, XX/XX/XXXX is for XX/XX/XXXX bill. I was charged {$30.00} late fee in XXXX, again in XXXX, and {$40.00} XX/XX/XXXX. This is highway robbery. They have set up a computer system that generates late fees without calculating payments paid early rather than late. My account is never in arrears! I want a refund of all late fees. The foreign operated online chat wont allow customers to submit proof of payments, speak broken English without verbs or proper pronouns, and the representatives clearly speak from a script without authority to refund the pay pal automated fleecing. 

In addition Pay Pal has increased my credit limit without asking me if I want additional credit, which I did not want!

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 2023-04-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights.

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.

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 7 years.

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 2023-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX charged off my account in XXXX of XXXX and sent it to a collection agency in XXXX after charging off the account to collect which is not a legal practice. This is in violation of the fair credit act. XXXX XXXX is still reporting on my credit but asking me to call a 3rd party collection agency to discuss. XXXX XXXX will not allow me to pay or settle but still reporting it. Please remove this from my file 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 explanation
Consumer complaint received 2023-04-24 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: Synovus Bank
State: IN

Complaint narrative:
XX/XX/2023 I sent FIRST PROGRESS A no parking rule/Refusal to pay/Cease and Desist notice and on XXXX they continue to report to my consumer report violation of regulation F paperwork attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: OR

Complaint narrative:
Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX & XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. 

1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.

2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. 
3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. 
4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
several times I have requested this company to stop harassing me about this alleged account I have demanded this company by mail to block and delete my information from their data sharing system they refuse to do so they continue to harass my family and I by phone mail email I believe they even have people waiting outside of my home my family and I feel extremely threated and this must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # ( XXXX ), has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604 a section 2 : a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX  along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is my second complaint. I have had to visit Bank of America in person to have this issue resolved. I am the victim of identity theft. I have frozen my credit reports and with XXXX ; nonetheless, another account was opened in my name ending in XXXX. I received a debit card for this account via mail and hence, learned that an account was again opened fraudulently. I received an email from Bank of America that a bank account application was in process yet again. When will Bank of America start to check identification before allowing criminals committing fraud to easily open accounts online in the name of victims of identity theft? Why is it that when I call Bank of America I am told that there are no accounts in my name, but when I visit a local branch, I am told otherwise, that in fact there is an account open in my name? Why must I take time off from work to visit a local branch to have these issues rectified? At this point in time, I am done attempting to have this issue handled through Bank of America. I am contemplating seeing an attorney unless this matter is resolved permanently. Bank of America should show a greater level of concern for fraud - after all, it not only the victims of identity theft being swindled, but their very bank.

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 2023-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX  kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

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 2023-04-24 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 

BRIDGECREST CREDIT C Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE FROM MY CONSUMER REPORT IMMEDIATELY! 

Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the ORIGINAL contract and application, note or other instrument bearing my WET INK signature. Failing that, the item must be deleted from the report as soon as possible. 

This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. THIS ACCOUNT IS EXTREMELY DAMAGING TO MY REPUTATION AND HAS COST ME STRESS AND OPPORTUNITIES! 

Under federal law, you have thirty ( 30 ) days to complete your investigation or I WILL FILE FOR LITIGATION in federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: MD

Complaint narrative:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent inquiries

Company response to consumer: Closed with explanation