vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened a savings account with HSBC bank XX/XX/2020 online. I made 2 bank to bank deposit transfers to the bank. Which took longer than expected to complete. Once the money was in, I would log into my online account from work and cell phone every few days just to check for normal activity. Then at some point in early XXXX I received a phone call regarding my account. I was told that there was unusual activity and they would like to ask me some questions regarding when the last time I logged into my account was, where I was logged in from, what my social security # was, etc. I thought this was very strange. I asked what the problem was, and I was told that my account had been accessed from a remote location outside of the XXXX area. I was eventually told that someone from the XXXX had accessed my account. So, I took a step back and asked if this may have anything to do with the XXXX XXXX service I use on my web browser while at work. I explained I have it enabled on a single web browser and only use it while at work. I asked that if that may have flagged the account unintentionally. I was then asked where my deposits came from and I explained I transferred them from my personal XXXX XXXX XXXX  account and that I could provide any and all proof of my identity if needed. I was told that was not necessary and that the account would be closed immediately, and all funds would be transferred over to the originating bank, which I said was completely fine by me, since that was MY account anyway. I asked how long the funds would take to transfer and they said 10 days. So, I thought to myself, no problem as long as they send my money back, no harm done. So, I wait a full 11 business days and still nothing had arrived in my XXXX XXXX XXXX account. I was really becoming agitated at this point and decided to call HSBC and demand answers regarding the money they are holding from me since it was several thousand dollars. The representative I spoke with said that HSBC would send funds after they deemed it necessary and 10 days would be the minimum amount of time. So, I demanded he provide me with any and all info relating to my account, account #, routing #, where funds had been sent. The man refused to provide me this info and told me it was all at HSBC 's discretion on what to do with the funds. I asked that I be sent information via email or regular mail regarding the current situation surrounding my deposit money. He said that is up to HSBC only and they will decide how to move forward at their discretion. HSBC has essentially stolen my hard-earned savings money that I no longer have access to. I am extremely upset and demand they transfer all my money back to my XXXX XXXX XXXX account. It's now been over a month that my money was taken without any valid explanation and NOT returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was offered a Victoria Secret credit card ( Comenity Bank ) on XX/XX/XXXX. I did only one purchase of {$10.00} with the card. I got the first PAPER statement which was due on XX/XX/XXXX. I made the payment on XXXX XXXX at night before XXXX XXXX  for the complete amount of {$10.00}. Late in XX/XX/XXXX I got a call from a collection company. The person on the phone told me I was on collection for not paying my Victoria Secret card. Thinking it was a fraud, I logged into my Victoria Secret Account to find out that I was certainty past due for the amount of {$56.00}. This were all late payments fees and interest fees on the late payments imposed to my account because according to them I paid late on XX/XX/XXXX. I called the credit card, the customer service representative explained that even though I paid the card on the due date XXXX XXXX my payment went through late on XXXX XXXX, because it was made after XXXX XXXX. Then they charged me late payments and interest on the late payments until they called me on XXXX. I never find out about this situation because the credit card send me no more paper statements. They said I was on paperless statements which I do not recall to have changed. Then all emails went to my spam folder. I asked for a waiver of the penalties and interest but they were reluctant. They never call me or send me another bill to me until I was more than 60 days late. Finally, I did not have other option that to paid the {$56.00} on XX/XX/XXXX ; but that was not enough for them. A late payment was reported on my credit history, the credit card appears as unpaid, and my credit score is down almost 90 points. This are the charges that appears on my account : XX/XX/XXXX {$10.00} ( original purchase ), XX/XX/XXXX {$10.00} Late Fee, XX/XX/XXXX {$10.00} Payment, XX/XX/XXXX {$2.00} Minimum Interest Charge XX/XX/XXXX {$12.00} Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$27.00} Late Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$56.00} Payment, I called the credit card three times, they are very rude and they not considered the customer at all, I explained them that I did not change my billing preference to paper statements and that I was a new customer. Nothing was important to them than to collect their money made on on late payments and interest fees, 100 % profit for the company. After I paid the bill and closed the credit card I got a paper statement with all the charges without me changing any billing preference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have called Freedom Mortgage multiple times to get my PMI removed from my mortgage loan and i keep being told it is not possible. I am above the 78 % equity and do not understand why it is not possible to remove this pmi insurance from my mortgage payment.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

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 2020-03-05 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 reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On early XX/XX/2020 I requested my annual free credit reports from the three main credit bureaus. I received XXXX  and XXXX  shortly thereafter. When it came to my Equifax instead of getting my report I get a request for additional information. This appears to be the same tactic used last year. Why is it that one out of the three bureaus always seems to have some type of issue with providing a timely copy of someone's credit report. In there letter they state

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: IL

Complaint narrative:
Unknown parties on XX/XX/2019 attempted to transfer {$10000.00} from a Never activated US bank personal credit card. This Credit card was somehow activated before the attempted transfer to XXXX XXXX XXXX. US Bank stopped the attempted {$10000.00} transfer. 
Then unknown parties on XX/XX/2019 executed a cash advance of {$6200.00} from the personal credit card to a US bank business account that US bank did not stop or call customer. 
On XX/XX/2019 Unknown parties ACH transferred {$6200.00} from the US bank business account to a XXXX  XXXX XXXX. US Bank notified US Bank personal credit card customer by mail XX/XX/2019. 
Currently, {$6200.00} plus interest is {$6900.00} balance in Debt collection. 

US Bank denies all responsibility.

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 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Ive reached out to Acima on numerous occasions to change my due date to correspond to my pay day and i was constantly on told my account numbers was wrong and they couldnt change it they was over drafting my account reporting negative to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
A wire was sent to HSBC on XX/XX/2020 for the amount of {$77000.00}. The beneficiary did not receive the payment. We, XXXX XXXX ' XXXX XXXX XXXX, sent 4 messages to HSBC and only received 1 response asking for additional information, which we provided the same day on XX/XX/2020. As of today, XX/XX/2020, we have not received a response or the funds. In addition, we have had several phone conversations with HSBC to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX XXXX is reporting that I owe it {$2400.00}. XXXX claims to have purchased a debt I owed to XXXX XXXX XXXX XXXX. However, every time I request documentation proving that XXXX bought a debt I owe I get nowhere. The letters that XXXX has sent be state that it will not sue me for the debt which is consistent with XXXX not really owning the debt. If XXXX can not prove that it owns a debt I created it should not be reporting that I owe it anything to the credit reporting agencies. Please help. This should not be on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In XXXX i was getting weird orders of things i did not order i returned them back to XXXX XXXX then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, trans world systems inc.they say i owe them XXXX, and XXXX XXXX says XXXX in other words different from amount, i have complained too XXXX XXXX that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now trans world after 6 months today have taking over 4000 dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop trans world and XXXX XXXX stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told XXXX XXXX that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Flandreau Santee Sioux Tribe
State: NE

Complaint narrative:
I received the loan ( Application XXXX ) from Rushmore Financial on XX/XX/2020. I asked the man who authorized my loan if I would be able to pay the loan off early without penalty and he said yes. The loan was for {$700.00} with my first payment due on XX/XX/2020. I called Rushmore Financial on XX/XX/2020 to pay the loan off in full. The customer service representative informed me that I needed to schedule my payment more than two days in advance of a payment that was already scheduled and would be required to pay the first fee of {$310.00} that was already scheduled. None of this payment would be towards principal. I emailed the company to complain about the rejection of my payment. I received a response that I needed to pay more than two days in advance. I called today, XX/XX/2020, to pay the {$700.00} balance, which is twenty six days in advance. The customer service representative informed me that I owed an additional {$310.00} in fees because I did not call twenty four hours after a scheduled payment. She stated if I was not paying the full {$1000.00}, she would not receipt any money towards principal today. I then emailed the company again to verify the conversation from the phone call and they replied that I would need to pay the additional {$310.00} in fees. I do not want to continue the payments that are scheduled as the next 2-3 payments are fees only and every payment after that is only 5 % towards the principal amount. 

I requested a copy of my loan documents and have not yet received them. I went back to the email that was sent for me to sign the loan and the link no longer works and I can not obtain my documents online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I was approved for {$1400.00} XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$140.00} to my account XX/XX/XXXX {$100.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$80.00} to my account XX/XX/XXXX -Payment withdraw from my account {$260.00} XX/XX/XXXX {$270.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX Payment withdraw from my account {$360.00} XX/XX/XXXX {$60.00} to my account. 
The loan interest rate is 360 % and the next payment they will withdraw is {$410.00}. These payments will take almost half of my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
On XX/XX/2014 I initiated a wire transfer for {$2500.00} on my Account with XXXX XXXX, account number ( XXXX ) to The Huntington Nation Bank, XXXX XXXX  XXXX., XXXX XXXX, XXXX XXXX, Oh., XXXX USA . The Account number at Hunting National Bank was ( XXXX ) and the Account name was XXXX XXXX. After Learning that I was a Victim of a Fraud and a Scheme on XX/XX/XXXX, I placed a stop payment on check no ( XXXX ) to stop the funds from being sent. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  to request a Recall of the wire transfer and on XX/XX/2014 the Bank received a response advising the beneficiary did not authorize a debit to their account. Please see ( The United States of America v. The Western Union Company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2018 auto loan installment for Fifth Third Bank was a part of a deferred payment arrangements. However it was submitted to the credit reporting entities as a 30 day/missed payment Having filed a previous complain with both 5/3 Bank  and your Agency, the 'missed '' status was updated and corrected to " on time ''. However, as of the past two or months, I have noted that the XX/XX/2018 is again reporting missed and negatively impacting my credit score with all 3 Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
I am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.

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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Monday, XX/XX/2020, at XXXX XXXX  ( CST ) I used my debit card at XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00} to pay for a procedure. The procedure was rescheduled. That same day at XXXX XXXX  ( CST ) ( The void shows the time as XXXX XXXX PST ) XXXX XXXX XXXX XXXX XXXX voided the transaction. This is less than 1 hour and 20 minutes from the initial debit. It is now Thursday, XX/XX/2020, and Wells Fargo still is holding these funds. The funds were never received by the doctor 's office. The transaction was voided.

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 2020-03-05 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: TX

Complaint narrative:
As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.

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 2020-03-05 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:
There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation