vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I bank with HSBC which is now XXXX XXXX  effective XX/XX/XXXX. on XX/XX/XXXX I received an alert from XXXX alerting that I spent an unusual amount of money. When I logged my online Banking with HSBC, My account was overdrawn by {$3700.00}. I notice multiple small electronic Transfers from a Merchant named XXXX-Bill pay . my balance on XX/XX/XXXX was XXXX, somehow this merchant that I didn't recognized manage to steal all the money that I had in my checking Plus overdraft my account by {$3700.00}, I don't have overdraft protection and haven't overdraft my account in 7yrs. when I looked XXXX appears looked like XXXX. When I called XXXX their fraud department informed me that XXXX is not them to contact my Bank report these fraudulent charges. I called HSBC on XX/XX/XXXX and spoke to the fraud department and reported the fraudulent activities on my account. HSBC didn't block this merchant and/or my account until XX/XX/XXXX, which resulted into overdraft amount of {$5600.00}. I was assured by HSBS that they would conclude the fraud investigation before the merger and I should get my money back. on XX/XX/XXXX when I notice HSBC didn't refund my money I called HSBC, after 1hr wait, the rep that I spoke to told me the person working on my fraud case is not available. on XX/XX/XXXX when HSBC changed to XXXX bank, I went in person to a XXXX bank to find out the status of the fraud investigation. I was told that HSBC never forwarded or alerted XXXX bank that I had an open fraud case prior to the change. XXXX bank told me to contact HSBC and also I'm not the only former HSBC customer who walked into a XXXX XXXX that were victim of Hacking or electronic fraud right before HSBC the changed to XXXX bank. The branch Manager at the XXXX  ban even admitted to me that during the merger that fraud department at HSBC were not doing their job. he advised me to keep trying to reach HSBC. when I call HSBC their automated system tells me to call XXXX. when I call XXXX  they tell me to call HSBC. I had direct Deposit and before i could stop my direct Deposit, the HSBC/XXXX bank kept my paycheck from work to cover the overdraft on my account. I have incurred late fees because I am not able to pay my bills. I have had to use my credit card to buy gas and food my special needs child. I even received letter dated XX/XX/XXXX and XX/XX/XXXX from HSBC informing that my account is overdraft. My account is overdraft not by be but because HSBC allowed this to happen. I don't have enough money to hire a lawyer to help recoup my money. I just need help to get HSBC/XXXX bank to do the right thing and refund these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Sequoia Financial Services
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. SEQUIOIA FINANCIAL SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with SEQUIOIA FINANCIAL SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting SEQUIOIA FINANCIAXXXX SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Dear Sirs ; I contacted Bull City about an alleged medical debt in XXXX of XXXX. I received a reply after XX/XX/21. I questioned the material that was sent to me. I was sent information that verified that a debt exited. I asked for validation of that debt. I asked for proof that the debt was mind. Something that tied me to this alleged debt. Since that time I have sent Bull City three letters asking for validation. I have not received a response. This should be very common stuff. I stated to them that if they could not validate this alleged debt, then it should be removed from my credit report. If they have more information that validated the alleged debt then send it to me I have not heard anything from them at all. NOTHING. i have mailed them three additional letters and have yet to receive a response. The information I did receive did not validate the debt. The one paper did show that a debt did exit but there wasn't validation that the debt was mine. Bull City has not replied to my letters. Again NOTHING. By law if debts can not be validated they must be removed. Bull City has not responded to my request. Nothing since XXXX.I don know if this is normal, but I don't think it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company National credit systems keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: AZ

Complaint narrative:
This Credit Report Bureau failed to show in my credit report account the permanent closing of the following credit cards accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 

I have contacted this agency many times this month but my credit report shows having credit with all of the above names which is incorrect.

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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
after requesting consumer report and analyzing I noticed an illegally furnished account on my XXXX XXXX consumer report in which CREDIT MANAGEMENT , LP a debt collector is in violation of 12 CFR Part 1006.18 by falsely misrepresenting themselves as the original creditor and attempting to collect an alleged debt I am now seeking redress for violations as per 15 U.S. Code 1681n {$1000.00} per violation. This inaccurate report has caused damage to me and my family. I the consumer have been denied for extension of credit do to the negative affect of these inaccuracies on my report I have lost family time and time from work trying to fix this issue i the consumer has had to make calls during times inconvenient to me please help me I've also been hung up on several times in my attempts to gain remedy. if this issue is not resolved i will be taking additional steps by submitting complaints with The XXXX XXXX XXXX and the Attorney General in attempt to settle this matter. 



XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX XXXX any written consent to report anything on my consumer report. No consent is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent a dispute letter to Wells Fargo regarding a credit card debt they are reporting on my credit that is more than 7 years old on XX/XX/XXXX. They have failed to delete the derogatory information from my credit report, and instead updated the charge-off to show that the first reporting date of the derogatory information was XX/XX/XXXX. Based on their most recent update, the derogatory account is past the 7 year reporting limit. And their error in reporting is negatively impacting my credit score.

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 2022-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Honda has violated my rights, pursuant to truth and lending.

Honda never provided a notice of recision, the finance charges were incorrect, and they failed to give full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing regarding a dispute that I filed with my Capital One XXXX card. I feel that the investigation regarding my dispute was not handled properly. I did not receive my refund for two items that were returned to the merchant ( XXXX ). 
I was able to provide evidence that the items were picked up per XXXX request and returned to them, by XXXX. I provided them with chat transcripts. They listened to a phone conversation I had with XXXX. I offered to show them video footage of the items being delivered and picked up. I had to do the investigation. I kept being asked to provide things that I have no control over to provide. Every time I gave them something, they asked for something that did not make sense. They never attempted to contact the merchant to show them the tracking information and the delivery. They did not follow up with XXXX  to ask about their procedures. They would not accept any of my recordings. The only thing they said they did was sent XXXX the information and request a response. The response was a short sentence. The items arrived fine is basically what was sent to me. They knew that information to be wrong based on the chat that I sent them. The initial problem was getting the items picked up. They kept scheduling times when I was not home, but I saw no indication that anyone came. After the items were actually picked up, XXXX never contacted them again. 

The last person I spoke with was a supervisor. I requested to be contacted by someone over him. That did not happen. This person kept me on the phone insisting that I was suppose to provide a letter from a similar company stating my items were not the correct items, despite the fact that the items were sent back and its virtually impossible to ask a reputable company to get involved with something they know nothing about. It seemed very strange. He finally admitted that I did provide the last information that was requested. He still refused to help me stating he had to follow policy, which was to request the letter from another store. This information was irrelevant anyway, as XXXX had already got the items picked up and the items in question were never even opened. 
I do not understand if I sent the items back on XX/XX/2021, per XXXX request, and have proof that the items were sent back, why wouldnt the credit card company contact XXXX again, to get the problem resolved. I should not have to pay for something that was sent back to the company, per their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: PlusFour, Inc
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. PLUSFOUR INC has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with PLUSFOUR INC, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting PLUSFOUR INC delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

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 2022-02-28 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. TRIDENT ASSET MANAGEMENT XXXX has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with TRIDENT ASSET MANAGEMENT XXXX, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting TRIDENT ASSET MANAGEMENT XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company - TransUnion, XXXX This is not the first time this has ever happened. In 2017, I filed a complaint against them with XXXX XXXX XXXX. Because of this, they upped my credit score. I just dont understand how I have XXXX credit scores with the other 2 but always had XXXX or XXXX with TransUnion. 

I pay off my credit card in full every month but for some reason, TransUnion always make sure to lower my credit score every time I use my credit card. I have a credit limit of {$47000.00} per transunions explanation. I used {$4600.00} to buy something to take advantage of credit card points I get back. Because I dont like paying interest on my cards, I make sure I pay off the debts once they are due. I have proof that I always pay my debts off. I dont understand how I have XXXX credit score with the other 2 credit bureaus and yet, with TransUnion, I always get low scores. As soon as I use my card, the next day, Transunion already lowers my credit score without waiting for the billing cycle. I am not sure why they would do that. This is racial discrimination because of my last name. I do not see any other reasoning or explanation. 

I would like to file a formal complaint against TransUnion, XXXX and I am willing to show years of proof to show how this has been an ongoing issue with them and they have been racially biased.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Thank you for taking the time to read this. 

I had an account opened over 5 years ago ending in XXXX and another one I had around the same time. This account was for about $ XXXX the other one about {$350.00} which I closed because I was just using this account. 

I am an XXXX best seller the name is dolce crafts you can find me there and see what I sell, my season its usually XXXX to XXXX, where I will buy everything I need in my credit card and pay right away, I have the cash but I use the card for security. 

I did that for 2020 and the year before, my card is used usually to the maximum but I pay right away too. 

I opened a checking account with XXXXXXXX XXXX  account and I send the payment to capital one which kept being taken away from my account and returned by capital one. They did this three times and closed my account for fraudulent activity. I spoke to both banks XXXX told me they have the money and didnt know why the capital one returned it. 

I called the bank and they just basically told me that my account was closed for fraudulent activity, with no explanation at all and nothing I could do. I was a customer for over 5 years and because of this they just closed my account. My account is in $ XXXX because it got paid before being closed. 

Than I opened a new account because I needed a credit card, this week they did the same so I tried to open a checking account and they denied it for the same reason. I was trying to just have checking account with them but I guess because of the same reason now I cant and now Im fed up. Because I havent done anything other then paying in time like I will be able to show you in the attachments. 

I think this is a really bad way of doing business. 
Attached is also my 1099T from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Initially I was able to check my credit report per once a day as described on their website, but because I have been disputing the accuracy of my credit reports, I believe they have shut me out from accessing it online because of this. They say that it is because items are in dispute, but items have been in dispute since XXXX and I was able tp access my reports for the last four months. I have not been able to access my credit report since late XXXX XXXX. I have had to use other credit monitoring reports to access my report with TransUnion.

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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
THIS DEBT IS UNATHURIZED DOES NOT BELONG TO ME, I HAVE REACHED OUT TO THE DEBT PURCHASING COMPANY AND EXPLAINED MUST BE REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to RADIUS GLOBAL SOLUTIONS to verify a debt that they claim is mine. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. I am aware that they are allotted 30-60 days to review and respond to my letter of validation. I have not received a response from RADIUS GLOBAL SOLUTIONS. I sent a follow-up letter certified on XX/XX/XXXX. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. In the follow up letter, I stated that RADIUS GLOBAL SOLUTIONS had 15 days to respond to my follow up letter. 15 days after receiving the letter is XX/XX/XXXX. I have not received a response from RADIUS GLOBAL SOLUTIONS as of today ( XX/XX/XXXX ). This is against my rights as a 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 2022-02-28 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company response to consumer: Closed with explanation