vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have repeatedly asked HSBC USA through HSBC XXXX to reverse the {$120000.00} transaction I sent through them after falling victim to a scammer. However, this bank has taken no action, and I received an email informing me that they can no longer assist me because they have sent the funds to the recipient already. HSBC USA and XXXX abandoned and disregarded me when I required assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED.

This is a violation of my rights and is subject to {$1000.00} in damages or more.

Please send me a copy of my consumer report upon deletion of this inaccurate account.

I will CC the CFPB and the FTC, my Local Police department. 

Sincerely 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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Hello, I initiated a balance transfer with Citibank to my credit card account, advertised as a 12 month XXXX percent interest offer, with 3 % transaction fee. The amount transferred was {$13000.00} on XX/XX/XXXX. So today I noticed that the expiration date is XX/XX/XXXX, not the full twelve months. I chatted with a representative and they said that the offer started on a certain date, and regardless of when the consumer initiates the transfer, the expiration date is always XX/XX/XXXX, not twelve months as they lead you to believe. if that is case, then they should at least prorate the transaction fee to be something less than 3 %, but that didn't happen either. Anyway, I think they should honor they twelve months as advertised, or at a very minimum, prorate the transaction fee to be approximately 75 % of 3 %. To make matters worse, my annual fee was charged during this timeframe, and results in interest immediately since there is no way to apply funds to that purchase, so will accrue for the balance of the transfer period. Now that is incredibly deceptive and unfair to the consumer. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
XX/XX/2022 I paid my Comenity account completely. I did not realize {$2.00} interest fee was placed on my account after paid. This caused multiple late fees. When I caught on in XXXX or XXXX that they were calling me about this account I had already accumulated multiple late fees. I called and the representative stated that they were going to waive these fees. This process took about XXXX XXXX  to process and in the meantime they were repotting my account as delinquent. My XXXX XXXX dropped like XXXX points because of this situation. This is how these companies get more money out of customers who have paid their accounts off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
There is inaccurate information on my credit and I returned all their equipment and sent my watch and phone back to them and they have yet refunded me! When I inquired about my refund this is when they turned the table around! I have called, sent over XXXX emails and nothing has been done! Now they reported me on my credit report! XXXX has ruined my credit and possibly my JOB. 
I am requesting that the account in questions to be deleted from all my credit reports immediately. I have sent multiple requests and validation letters to the company. They have failed to respond. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

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 2022-12-30 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: SC

Complaint narrative:
I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I receive at least XXXX phone call a day from this number : XXXX location supposedly, XXXX XXXX FL. 
Eventually, after a couple of months they left a voice mail.I had to call XXXX. He identified himself as XXXX XXXX from Radius Global Solutions. 
Finally, today XX/XX/2022, I answered the call. The same gentleman told me I owed {$240.00} dollars on an XXXX XXXX XXXX XXXX that I had cancelled XXXX years ago after I left my position at The XXXX  XXXX XXXX  XXXX department. He gave me the last XXXX digits of the card ( I have no idea what they were- it was. while ago ) and said the debt had been passed on to his company for collection. 
I told him this was nonsense and hung 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Sezzle Inc.
State: TX

Complaint narrative:
I keep getting charged for something I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022, I attempted to use XXXX to transfer my bill payment to my wife for {$330.00}, and I was using a new device to access my bank account. It prompted me with a confirmation request but did not state the user 's name like usual, and the payment was sent to the wrong person, whose phone number was XXXX digit off from my wife 's. Their number is XXXX, and my wife 's number is XXXX. My bank at capital one will not do anything to help me with this issue. I need the transaction reversed. I have reached out to XXXX as well, but I understand their policy is that all transactions are final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: NJ

Complaint narrative:
XXXX Sst is calling my companies phone and debt calls are not allowed. They do not call my personal line even though I have advised them to do this I also made arrangements for payments on XX/XX/22 that I will make a payment in XXXX weeks and they still called my work phone on XX/XX/22. I can lose my job for this. They are also asking me for a XXXX payment but I was only loaned XXXX. Please please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 USC 1681i, Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.They are in violation with the following accounts by not updating the current status as disputed and update the date of reinvestigation. XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
In XXXX of 2022 my loan was sold to a company called " The Money Source '' by XXXX XXXX. I requested to have PMI removed from my account from XXXX XXXX  prior to this transfer, which occurred without my knowledge or approval, and The Money Source did not have information regarding my request and when they indicated they would start a new request in XXXX. I then called again on XX/XX/2022 only to be informed they did not complete the request completely and did not send the appropriate letter to me so I could then request an appraisal. I was informed on XX/XX/XXXX this would be remedied and I should watch for a letter. 

It is now XX/XX/XXXX, and I spoke with The Money Source today, who indicated they had NOT sent the letter yet again. I was on hold for over 60 minutes and spend over 60 minutes in each of these phone calls, I spoke to a supervisor who indicated they would " escalate '' my concern but they would not be able to guarantee any response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with Transunion. checking my file ive noticed all of invalid data that is hindering my credit report. please update and correct all listed information to clear my report.

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( XXXX  ) ( XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX XXXX is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
On the XXXX of XX/XX/2022, XXXX withdrew {$88.00} from my checking account without my knowledge or consent when I had signed up for a free trial. I have tried to contact them via chat and email with no response. I can not find a phone number to call their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, 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 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 2022-12-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX  Comenity Bank and XXXXXXXX XXXX names appeared on my credit report. I have made contact with both company 's and was told this problem would be taken care of and that someone has attempted to open credit accounts in my name. I've also locked all my credit reports and started a monitoring service. I am still getting emails and regular mail from both companies and I need someone to look into my problem and solve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with Equifax. checking my file ive noticed alot invalid data that is stopping me from approvals. all credit reports are not XXXX XXXX accurate. please update all listed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors und

er 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

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 2022-12-30 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ACCT. # XXXX XXXX  # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX ( XXXX ) ) XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX {$320.00}

Company response to consumer: Closed with explanation