vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX is still reporting XXXX XXXX  as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false

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 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC failed to honor the {$600.00} sign up bonus for the checking account I opened, even though I have doing monthly {$5000.00} direct deposit as the requirement for receiving the sign up bonus.

I have contacted HSBC previously but no one is following up with me and my issue never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear CFPB, I signed up a new credit card American Express XXXX XXXX  on XX/XX/2022 around XXXX XXXX  with American Express credit card with annual fee of {$450.00} dollar and XXXX XXXX XXXX points as sign up bonus showing on their website. I saved the conditional & terms file while i was applying, which clearly shows the {$450.00} fee. However American Express violates it and charged me {$650.00} dollar for the annual fee. 

Attached is saved copy of the credit terms I saved up which had the timestamp on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
The Gurstel Law Firm PC was hired by the XXXX XXXX XXXX XXXX  to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXX  which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX firm has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 5. Account Name : XXXX Account Number : XXXX Amount : 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

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 2022-12-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts : XXXX. XXXX Account Number : XXXX Amount : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Amount : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Amount : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Amount : 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

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 2022-12-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # 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. 

XXXXXXXX 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 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 2022-12-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # 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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
This debt collector company by name, Credit Management LP is falsely representing that I owe the sum of {$59.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I have never come across the name of XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, let alone order or request any service or product from them. I have also never received any bill from this XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
I received only one debt collection notice from Credit Management LP and this was dated XX/XX/22. 
I responded to them asking for details of this unknown debt and requested VERIFICATION AND VALIDATION amongst other details. 
Credit Management LP responded with only the same information they alluded to in the only other letter they sent to me earlier, to the effect that XXXX XXXX XXXX XXXX is the creditor and the only other information they provided apart from the name of the creditor is the po box XXXX XXXX XXXX XXXX XXXX. 
They incredulously stated that they are referring me back to the validation information they provided in the same letter they sent earlier dated XX/XX/22. This so called validation information they are referring to ONLY provided the name of XXXX XXXX XXXX XXXX, and the amount owed {$59.00} as of XX/XX/22. 
As if the foregoing is not enough, Credit Mangement LP. have subsequently sent this false debt information to the Credit bureaus, without providing any validation of the debt.

Credit Managment LP indicated in their only response letter, that if I sent a written requent to them asking for validation of the debt, they will be sending follow up correspondence to me. As of today, XX/XX/22 no correspondence have been received, and yet they have rushed the so called debt to the Credit bureaus!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 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: AZ

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

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 2022-12-11 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: AZ

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

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 2022-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
There is an attorney fee/foreclosure expense fee placed on my account, the mortgage has not been in foreclosure, I asked for 12 months of statements and explanation of why this charge was assessed, since account is in good standing and current, I have not gotten a response, it has been 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: LoanCare, LLC
State: CA

Complaint narrative:
My loan was sold to XXXX care provider at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX care. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of 30 delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

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 2022-12-11 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:
XXXX and transunion is still reporting Credit first as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false

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 2022-12-11 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: CA

Complaint narrative:
My complaint ( this time ) is with XXXX I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for XXXX  '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!

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 2022-12-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint ( this time ) is with XXXX. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes.

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!

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 2022-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: WA

Complaint narrative:
I am XXXX XXXX, currently working onboard cruise ship XXXX XXXX under the company XXXX XXXX. 
I did a international money transfer from an online app WORLDREMIT to my bank in the XXXX. However there was an error during the process and the money was not deposited to my bank in the XXXX, but they already deducted the money from my XXXX Account ( XXXX company Issued account for my payroll ). 
Now, I tried all the options from the app in order to fix the issue but the problem is they don't have any response, even a single email so that I have an update of what's happening to my money. It's a very small amount only {$100.00} but for me already big amount that I needed to send home. My last move that I did is to cancel the transaction and to return my money, but still they have no reply. I did the transaction last XXXX XX/XX/2022, today already XXXX XXXX I still have no update. 
The transaction number is : Confirmation Code XXXX I hope somebody can help me with this problem. 

Thank you in advance for your assistance. 

Truly XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: NJ

Complaint narrative:
Unauthorized Credit Inquiry To Whom It May Concern. 

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.

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 2022-12-11 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: NJ

Complaint narrative:
Unauthorized Credit Inquiry To Whom It May Concern.

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Credit card was paid off and I requested for a pay to delete and the company still has it on my credit report as closed instead of 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 2022-12-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX Account Number : XXXX Amount : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I purchased flights from XXXX for {$660.00}. There was a service fee {$76.00}. 

The total purchase was for {$4800.00} and made with a single transaction. 

The refund was broken into multiple transactions leaving {$660.00} unreturned in addition to a {$76.00} transaction fee. 

I have spoken with my bank PNC located at XXXX XXXX XXXX, XXXX, XXXX  XXXX in person with a banking representative. 

PNC refunded all but {$730.00} ( XXXX ) from the original purchase of {$4800.00}. PNC refuses to refund the remaining amount due back. 

PNC states monies can't be returned because we are outside the dispute windows. This is a contradiction since already refunding the majority of the original transaction. 

PNC has already refunded the majority of the original transaction providing proof a refund is due. PNC separated the transaction and refunded the majority of the transaction while refusing to refund the remaining {$730.00}. 

The transaction can't be outside the dispute windows and inside the dispute windows at the same time. Clearly the dispute was was within the dispute window or the refunds already processed would not have been valid. 

PNC clearly is contradicting their own policies and has lied verbally and in writing to me. 

Here are my terms : PNC will refund the remaining {$730.00} within 30 day to the account it originated from. If all of the funds are not retuned by XX/XX/XXXX, I will file XXXX XXXX PNC and will be asking for restitution for lost time, wages and counsel. Time lost will be billed at $ XXXX. XXXX hours spent to correct this error would be billed @ $ XXXX = {$6000.00}. 

PNC representative involved XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation