vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I responded to HSBC 's promotion and opened an HSBC Advance Checking account in XXXX of 2019. Received an email that they processed my opening deposit on XX/XX/19. The promo stated that I had to keep the funds in for 90 days. Then, HSBC would take " up to an additional 8 weeks '' to deposit the {$350.00} bonus amount. So, the timeline would take us to end of XXXX 2019. I called and emailed in XXXX. Nothing happened. I called an additional 3 times and emailed in XXXX and XXXX. The bonus should've been deposited by XX/XX/19!! I spoke to several people including supervisors. The names are XXXX, XXXX ( supervisor ), XXXX ( supervisor ) and today on XX/XX/19 XXXX. All emails responses and all phone calls ( which lasted about 45 min. each ) rendered absolutely no resolution OR timing. In fact ( and these calls should all be recorded and verifiable ). I was told that the Marketing Dept. was responsible for the Bonus but they were not allowed to contact them nor was a customer. Here I sit as a very frustrated and psychologically abused customer with no idea when or if my funds will be available. It's been an additional 6 weeks on top of the 90 days + 8 weeks. Each of the email responses I received within my HSBC account website states that their " Management Team '' is working on it and needs more time. MORE TIME? This is a simple digital and electronic transaction. What is their " Management Team '' actually working on. Really! Were they " all '' hit by a bus. This offer was completely misrepresented and fraudulent. They seem to keep the customer in a black hole while they maximize their float income and take advantage of their customer. Unable to contact anyone at the organization with any authority to resolve this AND THEY stated that there is no one else I can contact. It's now about 6+ months waiting while I earn about .01 % which I did not see in any fine print! Is this blatant manipulation of the customer so HSBC can squeeze every last penny by delaying any contractually required payment. Total misrepresentation and pathetic customer service which HSBC claims in World Class!  How do any of the regulators let them get away with any of this. Help me understand why with all the noise about more and stringent banking regulations to protect the depositors, I still can't get any resolution, timing or speak to anyone with authority!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CarMax, Inc.
State: TN

Complaint narrative:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Son tried to deposit XXXX into our Bank of America checking account via the ATM machine. As he went through the process he clicked deposit, selected cash and then it stated please insert up to 75 bills. He inserted the money and the machine stated counting it and then it stopped and then made a clicking noise, then a message popped up and said system error do you wish to continue and he click yes and it froze so he clicked no thinking it would return the money but it did not open or return the money. Another message popped up that this atm is experiencing technical problems and is unable to return one or more deposits items. We apologize for the inconvenience. A record of this will be printed. To help us correct your deposit please enter the approximate amount of the cash deposited. He input XXXX and a receipt printed for {$300.00}. I called the bank around XXXX and filed a claim and the rep stated only XXXX deposited and he would do a provisional credit in my account for XXXX and it would be available in 24 hours. he said if any problems they would contact me if they needed additional info. After we hung up, I immediately logged onto my account and it said my account was in the negative XXXX. I called the bank back and the rep told me that she see the credit pending for XXXX and the XXXX is available. I told her that i see my account in the negative and she said yes she see that which is weird. She put me on hold and called the fraud dept to see why my account was closed for fraud. They would not speak to me and they told her that my account had fraud activity. I eventually spoke to a rep from claims, customer service and the risk depart. The risk department told me that my account is froze and will be closed in 48 hours for invalid deposit. I asked what does that mean and why is my account being closed because the atm was experiencing issues. the rep told me that they have a monitoring company who checked and that my son committed fraud and did not deposit no money at all in the account and thats why my account is in the negative and I will not get my money back. Nobody could explain how any of this was verified they said they were not going to the atm to check the tape or look at the cameras because it was a fraudulent deposit. I need my money and i need them to research what happened and why they closed my account stating fraud. that is false accusations.

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 2019-08-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've disputed an Account Type that is on my Experian Report. Experian is listing a previous account ; XXXX XXXX as, " Collections. '' This account has been paid/closed for over a year. I've disputed the way that Experian has this account listed on my report several times. When the dispute comes back it will say report updated. Review changes on your report, but there isn't anything changed. The report is exactly the same. This discrepancy is decreasing my fico score. I've called Experian, all I'm told is that this will remain on my credit report for seven years, which I am well aware of, but it should not be listed as potentially negative and account in collections. This account is not in collections. I've reached out to the debtor, XXXX XXXX, formerly XXXX XXXX and currently XXXX. This is a completely closed out account and should not be listed as " Collections. ''

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/19 I emailed to get a payoff letter. I received no response. On XX/XX/19, I contacted the company to get a payoff letter. She stated it would be sent to me via email on XX/XX/19 Tuesday and it will be good for 30 days. Tuesday came and went. I contacted the company again only was able to get a voicemail and then I sent an email with no response. I contacted the company again on XX/XX/19 with some story about they have to wait to send me accurate information because they don't want me to underpay or overpay. They received a payment from my garnish wages on Tuesday so it changed the amount owed. But before the payoff amount would be good for 30 days. After several phone calls, still no payoff letter and no date on when they are able to give me a payoff letter.

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 2019-08-15 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: TN

Complaint narrative:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

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 2019-08-15 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: TN

Complaint narrative:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TN

Complaint narrative:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence Resource Management LLC tried to collect payment from my father, XXXX XXXX, who is XXXX years old and doesn't take care of his financials. I am the one who takes care of all his financials, XXXX XXXX, his daughter. When he got the first of 4 calls he had asked where the they had sent the bill because we had not received one in the mail. He requested them to mail the bill to his home address and they continued to harass him. I finally called XXXX and found out they had the wrong billing address in the first place and this was why we had never received the bill the first place. They, XXXX, in turn sent the bill at that time. After three phone calls from Credence we finally got them to mail the bill as well. After receiving the bill I called them and told them I would be handling the payment as soon as possible which means in the next day or two. They harassed me to make the payment by phone that day. I am currently making that payment by phone so we can quite being harreased by such an unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXXXXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint concerns Experian, with almost complete lack of ability to unfreeze a credit report in order to obtain a mortgage. This started about XX/XX/19 with " unfreezing '' such reports with both XXXX and XXXX  -- both were easy and correct the first time. It has taken me a week to figure out how to do this with Experian. I thought I had done it correctly, AND I received an email saying it had been temporarily unfrozen, so I told the mortgage lender ( XXXX XXXX XXXX XXXX  in North Carolina ) to try. He could never get into the account for that third credit report. So I tried again, and again, and it was never possible to reach a human being -- the telephone number ( s ) for consumer support ( a robot voice, apparently ) either just said ( a ) go to the website or ( b ) thank you and hung up. On one of these calls, where you are asked to press 2 or say " freeze, '' said said freeze. That was a mistake, because then Experian " refroze '' ( apparently ) my account. In the end, I had to request a new PIN, pay {$20.00} to get it XXXX to me ( great way for Experian to make money, apparently ), and try yet again. The telephone menu may have worked ( it is now XX/XX/19 ), but I am completely unconvinced that Experian can be trusted. The idea that one can not reach a human being except through really strange numbers ( not obviously ones that anybody would try, and not available on the web ), is infuriating. Whether Experian has done what I requested today is still unclear. I plan on writing my North Carolina Senators to ask whether either of them is in a position to look into Experian 's business practices and lack of adequate consumer service and protection.

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 2019-08-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TX

Complaint narrative:
I finish paying off the balance on a car, XX/XX/2019, through XXXX 's XXXX XXXX ... .Experian email me XX/XX/2019 saying that my Fico score had went up and my credit score had change for the better. Then I received another email two days later saying by credit score had decreased, so I called them to see what was going on, because I pay-off a car loan {$17000.00} The dealership already informed me that they report to two major credit agencies XXXX and Experian once I pay my car -off, So Experian is saying that a person credit score goes down, because once it shows my car loan account has closed, it reflects in a negative way I told the rep that I was speaking to that is Ludacris.. people pay -off their debts so that one 's credit score can  improve, not the opposite, but that is the explanation he gave me, as well as the supervisor I ask to speak to .The rep told me that were other things on there that decrease my credit score, which doesn't make any sense, because everything on there has already been on there ... XXXX XXXX XXXX XXXX ... has been on there for years. so my credit score should be 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 2019-08-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the DPT EDXXXX ; XXXX and XXXX XXXX  partial account numbers : 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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-15 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX/XXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. inquiries : 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 explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$4200.00} from Cash Central. I repaid {$7300.00}. I paid {$3000.00} in fees. Cash Central is not licensed in my state, therefore, I was only responsible for repaying what I borrowed. Cash Central owes me {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller. 

I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation. 

I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer. 

Seeking assistance to solve this issue and get my car back. 

Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation