vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Kabbage refuses to close my Kabbage checking account despite my repeated requests over several weeks. I've attached a screenshot of their website FAQ describing how to close a Kabbage checking account : they say to bring the balance to {$0.00} and then call to request the account be closed. I brought the account to {$0.00} and on XX/XX/XXXX I called to request the account be closed. That day on the phone the rep confirmed the checking account was now closed. 

However, I learned on XX/XX/XXXX that the checking account was still open and had not been closed ( because Kabbage began sending me fraud alerts of attempted purchases in another state using my debit card ). 

I called Kabbage again to explain on XX/XX/XXXX. That day, the phone rep told me my checking account had not been closed. I asked for an explanation of why my checking account with a {$0.00} balance had not been closed per my XX/XX/XXXX request, despite Kabbage 's own website FAQs about account closures stating that the {$0.00} account would be closed per my phone request. They also told me they refuse to close the account until 60 days have elapsed. 

Kabbage responded to my CFPB complaint with a letter stating that they refuse to close the account until 60 days have elapsed with a {$0.00} balance. 

This response is unacceptable, not in line with standard banking practices, and contradicts their own Kabbage website FAQs about how to close an account ( bring the balance to {$0.00} and call to close -- nowhere does their own site state that you can not close an account until 60 days have elapsed ). 

Today XX/XX/XXXX I discovered my Kabbage checking account is still not closed, and now its balance is {$2.00} despite my having brought the balance to {$0.00} on XX/XX/XXXX to close it ( apparently they deposited {$2.00} in interest on XX/XX/XXXX, despite the account 's balance having been {$0.00} since XX/XX/XXXX ). So, today XX/XX/XXXX, I called Kabbage again and this time requested they close the account immediately and mail me a refund check for the {$2.00}. 

Per Kabbage phone rep reference number XXXX, the rep said she has requested a {$2.00} refund check be mailed to me. She again refused to close the checking account : she said the account must be at {$0.00} for 60 days before they will close it, and the XXXX clock restarts today XX/XX/XXXX ( regardless of my having called to request it be closed on XX/XX/XXXX when it already had a {$0.00} balance ). 

I have never experience this refusal to close an account upon request with any bank, ever. Every other bank I have ever banked with closes checking accounts immediately upon request, regardless of balance. 

Kabbage must comply with my request to NOT keep my checking account open and close it immediately -- not at some date 60 days in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I scheduled a payment of {$540.00} to JP Morgan Chase Bank for a payment to my auto loan. My Chase Loan number is XXXX. On XX/XX/2022, {$2300.00} was debited from my check account with XXXX XXXX XXXX XXXX. I called Chase and spoke to a representative. I explained to him ( XXXX ) that I did not authorize {$2300.00} to be debited from my account, but that I did authorize {$540.00} to be debited. 
He told me that in order for him to get this reversed, he would have to transfer me to a manager. He transferred me to a manager ( XXXX ) who reviewed my account and told me that my account is now in good standing and that most of the payment was applied to the principal and he would not reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: VA

Complaint narrative:
I have been filing again this dispute to EXPERIAN as you claimed that it was not me who filed the complaint dated XX/XX/2022, with complaint no : XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KY

Complaint narrative:
my name is XXXX XXXX im a former customer at Netspend incorporation in XXXX XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

my account has been completly compromised and drained. ive talked to the company about this matter. ive even filed disputes regarding this matter. 
they wrongfully closed my accounts without permission and my knowledge. 

i asked them to further investigate this matter, but i haven't got outcome thats suppose to happen, they've ignored my calls and emails several times. 

i believe they a guilty party in this matter. 

all i ask for in this resolution is my and my kids money returned to us. over XXXX XXXX  is missing. their has been mobile accounts on my account that i did not authorize, plus netspend denied me of my mobile transaction and transfers. 


ive talked to two guys from netspend by name of XXXX XXXX and XXXX XXXX they both lied to me about my funds. XXXX XXXX is the president and the person in charge of netspend. 


ive even filed a complaint with better business bureau and filed a police report.

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 2022-11-17 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-17 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$330.00} XXXX  XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00} XXXX  XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$330.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$0.00}

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After finally being able to regain access to my Chase account, I realized there were fraudulent transactions on my checking account totaling over {$2300.00}, starting XX/XX/XXXX and ending XX/XX/XXXX. I was physically unable to access or monitor my account, or receive statements from this company from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Chase Bank in XX/XX/XXXX suspecting fraud and asking to suspend the account, which was never acknowledged. I was finally able to file a fraud claim on this account in XX/XX/XXXX. Chase asked for documents to support my claim, which I then mailed and faxed. The claim was denied, I was told, due to the fact that the copies were illegible. I then resubmitted clearer copies, which were verified readable by Chase customer service representatives. One escalation representative agreed that this was a case of fraud, and resubmitted my claim. The claim was again denied, but this time due to time limitations. At each step of this process, through multiple phone calls, I was given different reasons why this claim was denied, varying from illegible documentation, a 30 day limit, 60 day limit, 120 day limit, and finally a 2 year limit. One claim representative recommended I take my claim up with the 3rd party that my funds were wired through ( XXXX, XXXX XXXX XXXX XXXX, and another representative told me it was my fault that my funds were accessed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I have made a goodwill attempt to have this company clear up this matter. The company has record of me speaking to a representative in XXXX of XXXX and in XXXX of XXXX in order to make payment accommodations. XXXX  XXXX defines an accommodation as including an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. Due to the XXXX forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of COVIDs forbearance period. I have listed the late payments on my report I am requesting to be removed as I am a victim of XXXX, an XXXX XXXX military spouse and was an essential frontline worker during the XXXX pandemic. The company has failed to comply which is a direct violation of FAIR CREDIT REPORTING ACT section XXXX, XXXX XXXX XXXX ; XXXX CFR part XXXX subpart XXXX : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and XXXX XXXX To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply. 
The company has previously added a special comment code to this account in relation to these payments, however the consumer financial protection bureau has clarified the following : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. 
I made a final goodwill attempt today, XX/XX/XXXX to resolve this directly with the company, and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pendfed this week double paid all the bills I paid and then took the money back. Which in turn didn't pay my bills. Also they charged me over draft fees. They gave the fees back. But all the bills I paid says they didn't get paid and they are charging me return fees and late fees. Which pedfed is not taking responsibility for nor offering to credit me.

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
This XXXX  is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: AK

Complaint narrative:
There is a credit balance on my account, I have not been able to get it refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
During the Covid 19 pandemic, I loss my job, I got approximately XXXX behind on my mortgage with Regions Mortgage. I applied for help through the XXXX XXXXXXXX XXXX XXXX ( XXXX ) and I was awarded XXXX from XXXX to go towards my mortgage. The XXXX representative advise me that {$20000.00} would be paid to bring my loan current. The remaining funds would be applied to my monthly payments. None of this happened. My arrears were not paid. XXXX paid my mortgage for XXXX months. They did not pay the arrears. I was not informed of the change. I was approved for {$40000.00} only XXXX was paid on my loan. I was never told the mortgage payments were ending. I have now been told I have to reapply. This is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX my mortgage lender is Regions Mortgage. My current interest rate is under 3 %. Regions Mortgage is recommending that I refinance at the new higher rate, which is double my current rate. I have a XXXX son who requires 24 hour care. After Covid 19, my care provider of 15 years is no longer able to help me with my son. For the past 15 years I have worked 2 jobs just to provide medical care alone for my XXXX son. My question is why didnt XXXX pay the portion that was in arrears as they told me they would do? Why do I have to reapply for Mortgage funding I have already been approved for and still desperately need? How does XXXX decide who get arrears paid and who does not. XXXX application # XXXX ; Regions # XXXX ; FTC # XXXX. It is obvious that the states are trying to keep consumers like me in a conundrum of paperwork so that states can keep the federal funding meant for tax payers.

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 2022-11-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Every time someone goes to pull my equifax fax or I try to look at my equifax fax score it says it's currently nothing available and when people try to pull it nothing comes up, it says that it's locked and when I call Equifax they stated that it was never locked to begin with

Company response to consumer: Closed with explanation