vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the HSBC and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX  XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX  and XXXX. 

HSBC US uses XXXX, XXXX  and XXXX, from what they told me. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 a derogatory mark was added on my credit report per XXXX XXXX from FIRST FEDERAL CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.

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 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PAYPAL banned me from using their services and hold my money I earned through online services from XXXX XXXX XX/XX/2021. The Paypal blocked me for the reason of violation in their user agreement and acceptable use policy. Upon re-reading the policies I am confident that I did not violate any of the rules. I am relatively new to Paypal and they must have been confused with my activities in to dealing with restricted activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2021 i contacted Santander Auto in regards to inaccurate information ive noticed being reported on my consumer report in the form of a late payment over 30 days. Company personal stated that there was nothing she could do regarding the inaccurate information. i also inquired about the excessive fees my accounts occurs each day the payment is late example 2 days past the due date and an extra $ XXXX {$100.00} dollars would be added to my account. according to 15 USC 1692, that's abusive debt practices. Personal hung up the phone. After calling again and reaching another representative, that personal would only discuss making a payment with me and would not help me any further then that. The action i am taking is writing an Affidavit of Truth and filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We have tried to re apply, and even with a co-signer ; we even went through the XXXX XXXX XXXX XXXX, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX profiling and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in 2020 after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, 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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Starting off I must say that this is one of the worst and most offensive and ridiculous experiences I've had with a bank! 
A little over a month ago I successfully opened a checking account, which I funded several days later. I also received a XXXX email asking for multiple documents for proof of identity. I sent those documents and the submission was cleared. I later find out that the Citi Bank account had been closed and sent to their fraud department who sent me a letter stating that they didn't want to have a banking relationship with me because they could not verify my information, which is highly suspicious and sounds made up. I had been locked out of my account and needed to talk to a department, which is only open from XXXX to XXXX HST. When I was able to call at these ungodly hours they told me, with some condescension, that the account had been closed prior to receiving the XXXX documents. All of this drug on for over a month. They advised me to reapply for a new checking account since the other account couldn't be opened. A few days ago I completed an entirely new application, which had been cleared and approved with new account numbers. I funded the account the next day. I also opened a savings account, which I was going to link to the checking to clear the service fee with an online bill pay. I tried to login today after seeing an email from XXXX this morning notifying me of a generated account statement, which I thought was odd since I just opened the account, only to find out that the savings account had been closed. I tried to login to checking account and the online banking account was gone along with access to my checking account and my money! 
I am completely blown away at how truly bad this situation is, how much this company has degraded, and at the staggering number of even worse reviews and complaints I read before levying this complaint! 
With that said ... XXXX YOU'RE DONE!! I won't make any further attempts to open any more banking accounts with you and will do my best to NEVER do business with you ever again!! 
The only outstanding issue now is for you to RETURN MY MONEY!! I'm just glad my case doesn't involve anywhere near as much money I read about in many other instances of problems with you in other similar situations!

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 2021-06-07 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2021-06-07 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: NJ

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent XXXX dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
After I refinanced my mortage with XXXX during XXXX, I was later informed XXXX was a predatory lender. Then on XX/XX/XXXX, XXXX transferred my loan to Select Portfolio Servicing Inc., ( SPS ). Prior to the final transfer, XXXX, provided an escrow analysis with a refund, and its projected escrow analysis included no shortages. 

Once my mortage transferred to SPS I began to regularly notice and addressed escrow and other mortage problems. On XX/XX/XXXX, I received a shockingly escrow analysis from SPS that included an escrow shortage of {$1100.00} then again on XX/XX/XXXX, SPS issued another escrow analysis and with an additional escrow shortage. I decided to fully pay both shortages to avoid my mortage from increasing. Although I attempted to stay ahead of the game, SPS appears to slowly and flippantly handle my concerns. I noticed SPS kept increasing my mortage even after I elected to fully pay those shortages at SPS requests. I continued to dialog with SPS over the phone, but when that failed I shifted to sending qualified written letters to no avail. 

I later found some relief after I was later approved for the Real Estate Tax Exemption. However, I discovered during XX/XX/XXXX that SPS took {$500.00} from my mortage escrow account. SPS demands to handle my escrow, but we keep finding the errors centering on SPS. 

When I contacted SPS, I was informed that SPS received a tax bill from the City of XXXX for the quarterly Real Estate Tax and that SPS paid it. After consulting with City of XXXX Real Estate Tax office, I was told SPS didn't pay any tax bill since XXXX as my mortage tax was fully approved and exempted due to my 100 % Service Connected Disability via the Department of Veteran Administration. We verified SPS received its requested documentations. SPS was advised repeatedly regarding the mistakes, but they proposed another Escrow Analysis with shortage and demand for mortgage increase even after I confirmed SPS and their taxing department received the requested documents on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: AR

Complaint narrative:
Someone stole my identity back around XXXX and I discovered it around XXXX. I filed a report with the XXXX police dept report number XXXX referring to the incedent please delete from my credit report according to act 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Self Financial Inc.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
They put you on hold. They don't come back to answer. Over and over again. All this info on shell point mortgage is all available thru the XXXX XXXX XXXX The company lies to credit companys. I'm 8-0 against the shellpoint on lies to the Shellpoint regarding my mortgage and credit reporting. Never missed a payment. This company tries to trap you with all kinds of fees and lies.. They have harrassed my family, and credit reporting. The government needs to hold them responsible for harrassing me and other people. I've got all the info letters of harrassment, and the lies and fees. This is out of control, so many lawsuits, just like XXXX XXXX. They paid out XXXX XXXX. XXXX XXXX is a part of shellpoint. 

thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation