vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This is an urgent matter, as I am unable to link a bank account to my HSBC account or complete a bank to bank transfer, which I need to pay rent and bills, into my account. HSBC is closing its US accounts this week, and has completely stopped responding to any contacts, and has known about the issue for six weeks, and it has only gotten worse. In XX/XX/2021, HSBC placed a completely negligent fraud alert ( multiple calls from multiple departments that do not coordinate ) on my checking account, and I wasted almost a day trying to get through to them or get an explanation, as it sounded like my rent check had been stopped. I was repeatedly cut off, lied to, given completely contradictory explanations -- it was beyond belief. I eventually got hold of XXXX XXXX, an alleged executive, who eventually acknowledged the alert was negligent ( placed only because I used two inks on the check, even though it was fully initialed and signed ) and promised she would quickly look into the matter and get back to me ( that was on XX/XX/XXXX of last year ; she has done literally nothing since ). The response from HSBC fraud abroad was insane -- it was like dealing with the deranged ( there's no nicer way to put it : that description is inadequate ). Instead, I got yet a letter about fraud ( but not specifying even what it was about ) from HSBC weeks after XXXX swore she had resoled the issue ( but she was still allegedly investigating and never provided any update after that one initial assurance the check would clear ). When I emailed XXXX to tell her she needed to tell me immediately what the new fraud letter involved, she did not respond. She did nothing week after week, usually not replying, and when she did, she offered absurd excuses and stalled again. She has literally done nothing for six weeks, and has not responded at all for more than a week, and barely at all before that for weeks. Now there is another negligent urgent matter ; XXXX placed some wholly insane fraud alert on my bank to bank transfers when I tried to link an outside checking account. I tried for hours to get them to fix it ( via online chat and phone, only in each case after hours to have the agents say they couldn't do it and to call back ). I have emailed XXXX every day for more than a week and gotten no response, which, on top of the prior negligence, is a new level of criminal negligence. I also have left at least 5 phone messages with HSBC 's executive office ( not with XXXX ), none of which have been returned. It is clear that because HSBC is closing its US personal account, it could not care less. I have spent days trying to deal with their negligence and recalcitrance, which has reached unbelievable levels. XXXX 's contact information is XXXX XXXX XXXX | Customer Relations | Executive Office HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/22 Venmo froze my account. 
On XX/XX/22 I replied to their email and asked if there is anything I can do to unfreeze my account ( e.g., update password ). 
on XX/XX/22 they said my account is permanently restricted. 

I have had ~10 emails and 3 phone calls and they have not identified what violation of terms of service I did. I asked them for arbitration, as that is the only recourse listed in their terms of service. They declined.

Venmo is a peer to peer money transfer service - every transaction has two parties. They have not ( to my best knowledge ) restrict the accounts of any of my counterparties ( friends ). Therefore they are alleging that something is different about me than about others. The only reason I can think of is that I am from XXXX originally, as in my online research I found that paypal- the parent company - is facing a lawsuit for doing this exact thing ( suspending accounts without explanation ) of other people with linguistically XXXX  names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
My wife was a victim of identity theft, so out of precaution we checked my credit report and found an open file from Acima Credit, XXXX XXXX XXXX XXXX FL XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX ( only XXXX, not the other XXXX reporting agencies ). We had never heard of Acima, and have not applied for any payday loans, rent to own loans, etc... ever. We attempted to resolve it ourselves with XXXX to no avail, then we involved XXXX XXXX with XXXX XXXX XXXX ( O : XXXX |EXT XXXX / Fax : XXXX ). Together we spoke with a representative from Acima, who could not help us over the but said they would look into the matter. XXXX suggested it was probably just a clerical error with XXXX, so we filed a dispute with them and waited the allotted time for them to look into the claim. I just received their response stating they will not remove it from my credit because they said " The company that reported the information has certified to XXXX that the information is accurate. '' Again, I know this information is not correct, because I have NEVER applied for ANYTHING with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX. 

Sometime in XXXX of XXXX, an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00}, which was the balance quoted by SYNCB at the time. 

In XXXX of XXXX, since the check had not been cashed, I kept calling to determine why. Since the check was not cashed and several weeks had elapsed, the mortgage company reissued the check with the same amount and put a stop payment on the original check. 

It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but, finally, sometime in XXXX of XXXX, the replacement check was cashed and the amount posted to the account. 

The {$2200.00} should have paid off the account but, SYNCB claims that, because it was not paid by the expiration of the " promotional period '', a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate, according to SYNCB, is 29.95 % APR. 

However, that is not all. Much to my surprise, interest is applied every month, I suspect at the same rate, to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words, from each {$99.00} payment close to {$40.00} go to interest on the interest. 

In other words, SYNCB is charging, not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal, it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX, agent XXXX '' at SYNCB.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Afternoon. My name is XXXX XXXX XXXX XXXX I am submitting this complaint because I have called Experian XXXX times about my name showing up incorrectly on my credit report. Also, I just logged in and saw that they have my date of birth as XXXX. That is incorrect. My date of birth is XX/XX/XXXX. I have tried to get it corrected. Every rep that I speak with acts clueless as if they don't know what is going on. My mortgage lender is trying to pull my credit. She has never had an issue. Now she is having an issue. I have several cards with my hyphenated last name and I don't have an issue. I don't understand the issue nor do I understand my date of birth being off XXXX years. It shouldn't been an issue with me speaking with anyone to rectify this. 

Also, this is XXXX XXXX XXXX submitting this complaint. Not anyone else.

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 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
It is a lot of companies like coinbase XXXX XXXX and a numerous a lot more I can not receive any of my Bitcoins through any wallet because they stopped my funds I can see my funds online and in my wallet but can not access him it is really frustrating and on top of that I have all my stocks and I can't get at all of them either there's obviously someone blocking me and hire means I just need some help and I know you guys know because through the SEC I found a lot of information so if you can please open up my funds to me that will be nice as well I am a Bitcoin minor says 2009 and all of my blocks that I mind go to coinbase and they are saying that they don't know where my native coins are cryptocurrencies So can you please release my things archetypes of the bottom of this My main goal is to help the world evolve in every way fit for the human to survive so by all means whatever money 's that I have give me half and you take half and let 's call it a day I am tired of not having anything any money my kids are getting older and I can not provide I'm on general assistance and have been most of all my life but yet in steel I have billions and billions of dollars so I haven't never seen So what that being said Can you please fix it Thank you America we stand as one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2022-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
In late XX/XX/2021 I had fallen behind in monthly bills and was seeking some relief. I went to what I thought was a direct-contact website where I would apply for a loan directly with a lender. Turns out I entered my information into a clearinghouse site and received several XXXX emails in the space of a few hours. Mountain Summit Financial was one of those respondents and I clicked on their page to apply. I was shunted through what appeared to be a VPN type system, hitting several redirects before coming to a final page where all I had to do was verify my information and the loan amount would be disbursed. I do NOT recall signing a loan with SIX HUNDRED NINETY PERCENT INTEREST, nor would I have knowingly signed such terms. 

They were removing more than {$270.00}. every XXXX weeks, but now my bank account is frozen due to fraud that I no doubt incurred as a result of that original clearinghouse site. After removing the payment a number of times ( 4 payments would have repaid the {$1000.00}. principal and given XXXX more than {$92.00}. in interest ) I thought the debt would have been repaid, but the fifth payment came out and I started calling. Six times I called between XXXX and this week. One time i got through and I was told the XXXX financial instruments are " non-negotiable beyond original disbursement of funds. '' Following these calls, I noticed that the clearinghouse site added some fine print stating that loans originating from tribal financial services may have high-interest terms. This is a XXXX XXXX doing this, and if they are knowingly doing this to people, the whole shebang ought be shut down. 

As you can imagine, I can not afford to be saddled with a debt like this for five years. I am recently divorced and XXXX and I have a mountain of debt following my ex-husband wringing me out and setting me off to dry. I don't even have access to my bank account, partially as a result of this payday loan, and the website that I accessed their services through. Please help.

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 2022-01-31 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:
XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, 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 2022-01-31 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:
XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX and was forced to skip my mortgage payments during the pandemic. I have been XXXX and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation