vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
Submitting a complaint about the rediculous lack of response I am getting from HSBC. I tried to open a new checking account ( my first banking relationship with HSBC ) with HSBC, making my initial {$500.00} deposit on XX/XX/XXXX, and then roughly {$3400.00} was deposited 2x/month via direct deposit starting XX/XX/XXXX, meeting the terms of a new account promotion offered by HSBC. Note - it took about a month from the time I requested the new account before it was created for me - not fraudulent, but really bad service. This in itself may be worth looking into as I dont know if there is some sort of accounting advantage related to how they time recognizing new accts. I inquired about when the new acct premium would be applied, and they sent a secure message on XX/XX/XXXX noting it takes 8 weeks to apply after earned. I gave them ample time to confirm I had met all requirements, and allowed 8 weeks, when I re-inquired in XXXX about the status of my new acct premium. I received a secure message on XX/XX/XXXX that they submitted my inquiry to their " Campaigns & promotions '' department for review and would need 7-10 biz days to compete their research. it is XX/XX/XXXX today ; how are those 7-10 days looking? I've reinquired every month, and received secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX, with each referring to some area of their company working on this. This is a simple research exercise - what were the terms of a promotion that was in effect, and did the customer meet those terms - if no, explain you are sorry and why you cant award the premium ... ..if yes, apologize for the delay and award the premium. This is not hard, and this is not a small company. I must therefore conclude that this company is purposely delaying awarding the {$750.00} new account premium that is due, and there is no reason to believe they are singling me out - this is likely happening to many customers who observed HSBC 's offer, responded and complied in good faith, and are now either battling to get the award they were promised or have simply given up and have been cheated out of what they earned. HSBC makes too much money to nickel dime customers this way, and I'm hoping the CFPB can impose its will to review their new account award advertising, fulfillment, and research processes as you may find gross sloppiness, but I suspect you will instead find proceduralized fraud. I thank you very much for any support you can provide in this effort, both for the fraud I have encountered, and that which I am very confident is happening to other HSBC customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: MD

Complaint narrative:
I put in a dispute with Equifax on XX/XX/2020 about errors on an auto loan account through bridgecrest. It is now XXXX XXXX, 2020 and the dispute is still open and active with no response from Equifax. I had ask for this account to be removed before because it has constantly been reported with errors that Equifax have failed to fix. Now equifax have gone well beyond the 30 day mark that the Fair Credit Act requires them to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Dear CFPB, Please find my complaint against PennyMac who refused to provide me requested documents - copies of PennyMac 's receipts of payments for my property insurance to XXXX XXXX and FEMA, which PennyMac as so-called Servicer must do from my escrow account.

PennyMac sent me copies of tax payments receipts made by XXXX, XXXX, PennyMac 's tax vendor who is not affiliated with PennyMac.

But PennyMac failed to attach insurance payments receipts.

I demand copies of ALL receipts from PennyMac to XXXX XXXX XXXX company for home insurance from XX/XX/2019 to present time ; and for PennyMac 's payment from my escrow to FEMA for flood insurance which was made by PennyMac in XXXX 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent several dispute letters to Transunion on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes. 

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Transunion Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a fraudulent loan from Wells Fargo on my title from 2005. I contacted them and their response was that they see no fraud. The settlement company is out of business so I can't get information from them. All the documents have a copy of my signature but I did not take this loan. They have a cash payout of over $ XXXX in the settlement documents that I never received.

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I keep trying for the last year to reach out to the debt collection company to settle the debt but no one responds. I asked for proof because the amount they have versus the amount I have from the original debt doesnt match. I also asked for a settlement amount so I can get rid of the collection. No one ever responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I sent several dispute letters to Equifax on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period, beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Equifax Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent several dispute letters to Transunion on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Please have Transunion delete these inaccurate inquiries off 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 explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had first notice on my loan that they're are multipul disbursements with the same amount 15 days in the same month which that didn't make any sense. The disbursement begins on XX/XX/XXXX for XXXX then another disbursement on XX/XX/XXXX XXXX then another disbursement on XX/XX/XXXX for XXXX and another disbursement on XX/XX/XXXX for XXXX ; then on 3 months after XX/XX/XXXX for XXXX ; the another disbursement on XX/XX/XXXX for XXXX and 3 months later XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX and again another disbursement on XX/XX/XXXX for XXXX. When I ask Navient questions they always make excuses and say they can't do anything about it because they're not the one who made any mistakes it was Sallie Mae. Every 3 months they had did a disbursement which I never saw that before. They need to fix this problem and find our why I was charged double and why should I repay this student loan that I never knew it had cost me more then what the school was worth. My loans are way more then what I had studied and was stated by the school that their tuition was only XXXX for the four years I was there and it was more that was anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
I sent several dispute letters to Equifax on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Since XX/XX/XXXX, my Paypal accounts were closed. However, every month the account is reporting as missed payments and dropping my score by XXXX points. I have not missed any paints in over a year. I spoke with Paypal customer service at XXXX on XX/XX/XXXX about the issue. The representative told me they couldn't send me anything in writing but would notify the credit bureaus.

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 2020-10-12 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: NY

Complaint narrative:
I sent several dispute letters to Experian on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

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 2020-10-12 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: IN

Complaint narrative:
XXXX XX/XX/2020 I sent a dispute letter to Experian to review accounts listed on my credit report that are inaccurate. I have yet to receive any correspondance from the credit bureaus regarding this matter. I have called Experian to rectify the situation and I am never able to get through.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to use my credit card for gas, it was declined so I tried another card, it was also declined. I go to use another card, same thing. My dog was in the hospital & I went to pick her up, my other card was declined. I went home & checked all my accounts, all were closed with no warning. I have 11 accounts with Synchrony Bank & all were paid on time, never late & had very high limits. I was not even close to the limit on any of the cards. This has ruined my credit and left me in despair. I have been with this company for many years. I have contacted this company several times & nobody will give me an answer as to why they have ruined my credit or closed all my accounts. The company keeps saying they have mailed letters as to why, they have not.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
There are 2 charges on my credit card with this vendor which I am disputing. Not that anything will come out of it since this agency has been weakened and assault on taxpayers is allowed., but I will still give it a try.

I paid for 2 services with my Bloomingdales credit card. One in XXXX and the other in XXXX. The one in a XXXX was for an appraisal for a refinance. We were looking to refinance a property we were working on. The Bank we wanted to refi with notified us they were going out of business, like many banks in the secondary markets did during Covid. We had already approved Appraisal nation to conduct an appraisal for {$610.00} on our credit card. The appraisal never occurred and we definitely did not get refinanced. We filed a dispute with XXXX who is the issuer of the card. They at first provided full credit of {$610.00}. In XXXX the company appraisal nation provided a credit of {$440.00}. The company charged back the {$610.00} on XX/XX/XXXX. When I told them I had not received a full credit, they refused to credit my account back in full. I am short {$170.00} because they claim the vendor said I cancelled the appraisal. 

The second is for XXXX XXXX XXXX XXXX. We paid the balance on a work on this same project in the sum of {$1000.00}. This vendor never performed the full work and refused to perform the work according to functionality and CIty of XXXX standards. We had to pay 2 other vendors a total of {$1700.00} to get the airconditioning working so we may finally sell the house. The credit card issuer is refusing to dispute and hold the {$1000.00} charge as requested. 

I am not sure why the credit card companies are working as XXXX  XXXX  of debt for companies which they have no contract with. The contract us between the credit card holder and the vendor and the credit card company is a facillitator. Did the law change at some point? Why are citizens being subject to these assault from these companies?

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 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I was added as authorized user on XXXX Barclays Bank of Delaware card on XX/XX/2019. He went threw a financial hardship which he wasn't able to pay bill. I'm in process of getting a home and need my information remove. I've called company several times also sent letter for removal nothing happen.

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 2020-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My Account was sold by XXXX XXXX  servicing to FREEDOM MORTGAGE at the end of XXXX. XXXX did their part, provided proper notification and closed the account out. It is XX/XX/XXXX and I have yet to hear from FREEDOM MORTGAGE. I called on XX/XX/XXXX and they told me they wont send a welcome letter prior to XXXX, so I waited. I called on XX/XX/XXXX and the representatives could not answer my question and admitted that she was searching an unsecure XXXX  spreadsheet for my information ( ssn, address, and phone number ) to see if they had the data ( it was unable to be located ). I couldn't even get an answer on where my welcome letter is. This company not only is unprofessional, but they also are not using safe and secure methods in order to secure my personal data.

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 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I opened a Checking and Savings account with First Citizens bank. This was opened with an opportunity to earn {$300.00} with the following requirements : 1. {$50.00} minimum opening deposit 2. Open a savings account 3. Direct deposit at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 
4. Enroll in estatements I completed my 10 debit transactions on XX/XX/2020 and made sure to enroll in estatements, a savings account, and also deposited just over {$50.00} between my two accounts. It is now XX/XX/2020 and I still have not received my account bonus. I have read that a lot of people that also enrolled in this offer have also not received their bonus without filing a complaint. I met the terms and conditions of this offer - I need First Citizens to meet theirs.

Company response to consumer: Closed with monetary relief