vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I have a saving account in HSBC Bank.

I did an International wire transfer to a bank account in XXXX on XX/XX/XXXX. 

The amount has not yet been received by the receiving bank. They need wire details to see if the transaction actually happened but HSBC continuous to deny the details of wire transfer to me, indicating that they are hiding something and have taken my hard earned money.

See below the response. I tried calling the number they have mentioned multiple times with no luck, it keeps circling and eventually hangs up.

Clearly HSBC does not have good intensions about safeguarding my money. 

See below the communication I have received on XXXX XX/XX/2021. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, Thank you for contacting HSBC Bank USA, N.A. 

We have received your BankMail inquiry with regards to the wire transfer initiated from your account on XXXX of XXXX for the amount of {$3000.00}. 

Upon checking we see that the wire transfer is processed from our end and the recipient should have had the funds credited to the account on or before XXXX of XXXX, 2021. 

Here 's the confirmation code for the transfer : XXXX. 

Request you to check with the recipient or the recipient bank once and if in case the funds have not been credited to their account, We recommend you to contact us at XXXX XXXX - XXXX M-F, during the wire room working hours, the team will transfer to the wire room so that they should be able to check this for you. 

You can also reach out to us via webchat as we are available XXXX. 

Beginning XX/XX/2021 we have made it faster and easier for you to get help with your service needs when you navigate to Messages in your HSBC Mobile App. Instead of sending us a BankMail/Message when you need help, you can now chat with us in real time. You will still have access to all of your incoming messages. You may still send BankMail/Messages in Personal Internet Banking at this time. Be sure to check your app store to ensure you are on the latest version.

Thank you, HSBC Bank Mail Team HSBC Bank USA, N.A. 2021. All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/2021 and another one on XX/XX/2021. I disputed this account and the inaccuracy of this inaccurate, invalidated, unveriable debt on my credit report. I asked KIA Motors for my verified signature and how they validated this inaccuarte account and all the corresponding information. They have not responded not once in over 45 days. Not only have they violated multiple rights they're also hurting my ability to obtain good credit. They are reporting to the consuming reporting agencies inaccurate and unverifiable information. I didnt authorize this debt to be on my report. They are reporting in error. Provide me proof of signature and proof of debt of {$720.00}. This debt is inaccurate and does not belong to me. I asked them to investigate this account and immediately delete this account or update my credit report to positive/current. It's been over 45 days with no results. I did not consent to, authorize nor benefit from the following account. Please remove or correct my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

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 2021-09-06 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: OH

Complaint narrative:
I've been trying to get this account off of my EQUIFAX credit report as it was removed from my XXXX  report. The account is fraudulent and is on my report unlawfully by the third party creditor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any documentation from this company to this date stating that there's a debt owed to them. The account listed above is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I typically pay this store credit card off each month ( Home Depot ). This last month I've had a cash flow issue with my business. I paid what I thought was the minimum but it was {$26.00} short. My balance is only a few XXXX dollars and I am fully aware I need to make another payment and intend on paying as soon as I am able to collect from my clients. Citibank has been calling my business line at least twice a day for over a week straight. This is excessive, unacceptable, disruptive and aggressive. NONE of my other accounts harass this aggressively over a minimum balance due, especially one so small. I do not have a history of evading payments or anything else that world warrant blowing up my phone with calls and voice mail messages.

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 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/ between the hours of XXXX XXXX  and XXXX I attempted to make a {$40.00} deposit at a Bank Of America, ATM. It was at the location of XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This deposit was to cover a payment I had coming in. 
I went to the drive thru ATM ( XXXX ) to make the deposit. After putting {$40.00} in the ATM it gave me {$20.00} back and then froze. Then about 3 minutes it changed to the opening screen. It was if I was never there. 
I did not move my car and went in to the branch to speak to someone about what just happened. The representative told me that there was nothing they could do, I would have to call the number on the ATM. I made it clear that I had to make a deposit to cover a payment and I had no other funds. He said once again to call the phone number. 
I called the phone number and the person was rude, so I had asked to talk to a supervisor. After waiting the phone hung up on me. 
I have a bad XXXX and XXXX XXXX XXXX. These kind of problems is hard on me. This is the third time this happened to me and each time it has cost me time, money and my health. They are charging me {$35.00} for an overdraft fee for the same check the {$40.00} would had covered. 
On the XXXX of XXXX they charged me {$35.00} because they said my deposit was after XXXX mountain time. I live in California which is 3 hours different. Even though I have a receipt showing a positive balance on the XXXX. It became negative after they back dated the {$35.00} fee. 
This is terrible to do to a person during a time of a so many problems as it is.

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 2021-09-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm completely stressed out from false information that continues to be reported to my credit report by Equifax, XXXX, and XXXX! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
On XX/XX/XXXX a deposit of XXXX was received on my card. On XX/XX/2021 I electronically transferred this amount to my bank acct. On XX/XX/XXXX I received a deposit of {$690.00} and also electronically transferred to my bank account. I was charged XXXX per transaction and it showed the deposit cleared from the card with confirmation numbers. After 2 weeks the money did not show in my account. I called Way2Go. XXXX bank and conduit. Conduit confirmed the routing and acct number was correct and said that NV Unemployment does not allow bank deposits, but the money would be returned to the card within 10 days. I checked with NV unemployment they stated this was not true and would escalate to a supervisor. In turn conduit sent me a dispute form to see what happened. The dispute form was returned to them on XX/XX/2021. To date the funds have not been deposited to my account nor returned to the card and no one is returning phone calls or my inquiries nor can tell me where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I received a notification from XXXX of a collection for {$1000.00} for an XXXX XXXX XXXX bill in the state of Michigan. I live in the state of California. I have never been to Michigan. This is the third time in a couple of years that this incident has happened with the same exact debt amount - I believe once the debt was in Michigan and the other time the debt was in Florida. I had to file complaints with the FTC, the collection companies and with XXXX XXXX XXXX both other times. THIS IS NOT MY DEBT. I live in California and this is the 3rd time that this has happened. PLEASE HELP XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: MO

Complaint narrative:
On XXXX sent a letter to TransUnion disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/21 I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XX/XX/21 Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XX/XX/21 XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to TransUnion showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay thousands of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: DISCOVER BANK
State: TX

Complaint narrative:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm completely stressed out from false information that continues to be reported to my credit report by XXXX XXXX, and TransUnion! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!

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 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
master card let my sister tranfer money off my card to her bank ( CHASE ) without me knowing for XXXX XXXX i told them but master card refuse to investegate ... my sister made her transition ( XXXX XXXX ) 5 months ago..and they still harass me ... can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Synovus Bank
State: NJ

Complaint narrative:
Company reporting inaccurate information on credit report after promising to delete account from credit report after paying balance in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
Due to the pandemic, I lost my part time job. I defaulted on my payments so with other credit cards bills, agreed to consolidate all my credit cards. XXXX XXXX XXXX XXXX of XXXX XXXX, NV. took all my credit cards details and numbers and entered into a agreement with me. On XX/XX/2021, a confirmation letter from XXXX XXXX XXXX XXXX wrote confirming that they have come to an agreement with the credit cards company. They set up a monthly payment through my checking account for the XXXX of each month for an amount of {$340.00} to be disburse to my creditors. The money is being taken without fail since XXXX but Northstar Location Services LLC on behalf of XXXX XXXX has continue to send threatening letters, their last letter dated XX/XX/2021 threatening to get a judgement and indirectly insinuating what they can go after to collect the debt. The credits cards companies are : 1. XXXX XXXX  - {$8100.00} 2. XXXX XXXX - {$2300.00} 3. XXXX - {$2900.00} 4. XXXX  XXXX - {$3800.00} 5. XXXX XXXX - {$6100.00} 6. XXXX - {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am Submitting a complaint against Aldous & Associates and XXXX XXXX XXXX XXXX Account is reflecting a new account reporting a collection for an Account that was closed more than 3 years ago. This Resulted in my First Delinquent Mark in my credit history With a 35 point deduction. 
I have not been provided any requests for collections via Mail or Email with a receipt. 
The XXXX XXXX XXXX and Aldous & Associates will not even allow me to pay or provide me information on my account. This includes past receipts, the companies involved did not provide any of these either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/ XXXX XXXX XXXXDate of Inquiry XX/XX/ XXXX-Date of Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: ERC
State: TX

Complaint narrative:
I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation