vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. 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 non-monetary relief
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit Bureaus are reporting incorrect information

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 2023-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached all 3 bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I sent over {$40.00} to my Dave account for groceries. Instead of staying there, Dave took the money ( exactly {$40.00} ) and automatically applied it to my Advance Settlement. This was both an unauthorized transaction for a seekingly random amount of money, but also drew the money directly from my Dave Banking account instead of the connected account. It also took this amount off schedule from previous payments. 

Upon calling their help line at XXXX and informing them of the oversight, I was told Dave can not " reverse transactions. '' As I'm familiar with charging back transactions, I know this can not be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an attorney representing a personal representative of an estate. The estate owns the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Regions Mortgage holds the loan on this property with a principal loan balance of {$37000.00}. A foreclosure is not pending. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX Regions Mortgage XXXX XXXX XXXXXXXX XXXX unlawfully took possession of the property, changed the locks, put up a sign on the interior from XXXX and put a lockbox on the front door without notice, authorization or any basis for doing so. I have sent the attached letter to Regions Mortgage counsel, 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 monetary relief
Consumer complaint received 2023-01-14 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: TX

Complaint narrative:
Please see attached all XXXX bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

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 2023-01-14 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: TX

Complaint narrative:
Please see attached all XXXX bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I will give a basic portion of the story, but from the start of opening the credit card, I had problems with the balance transfer option. On XX/XX/XXXX a balance transfer of {$3000.00} was requested by me. I inadvertently entered one digit on the credit card number for my credit card. BarclaysXXXX XXXX continued to process the balance transfer, without verifying if the name, expiration date, and security matched, which is obviously did not match all my info. I now have a {$3000.00} balance on my credit card through Barclays that is not mine, it was transferred from someone elses credit card. No attempts by the credit card company have been made to fix the situation. They charged me a fee to transfer to the balance as well. At this point, I have a {$3000.00} balance on my card that isnt mine, that I have to make minimum payments on. I have been dismissed by customer service, telling me they wont get back to me for XXXX billing cycles, let alone whether or not theyre willing to admit to the mistake of not verifying my account info or rectify transferring the balance and removing the balance and the fee. I am beyond frustrated to be paying a balance I didnt incur, only for my concerns and amount of stress over this to fall on deaf ears. I have been attempting to rectify the problem and messaged customer service, and spoken to a representative at the company on XX/XX/XXXX. The issues has not been resolved and no attempts to help me have been made, except tell me I have to wait XXXX billing cycles for a mistake that was their fault.

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grow Credit Inc
State: TX

Complaint narrative:
On Thursday XX/XX/2023 at approximately XXXX, XXXX, and XXXX hours, I attempted to contact Grow Credit in an attempt to pay my account balance in full. All was done to no avail.

Prior to this, I attempted several times to use the Grow Credit application on XXXX device but continued to receive an error message stating that my primary banking debit card could not be added because Grow Credit stated my debit was a credit card when in fact it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that 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 ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
Credit Bureaus are reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureaus are reporting incorrect information

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 2023-01-14 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Master Card has not updated the credit bureau with my new balance.

The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. 
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. 
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. 
We apologize for any inconvenience and appreciate your patience. '' XXXXXXXX XXXX XXXX the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. 
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. 
I have screen prints of conversations of both lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: PA

Complaint narrative:
This account is paid and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is paid and needs to be removed immediately.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened an account XXXX, when i XXXX  to activate the card it started the account was restricted i then called chase and they told me the account was closed and the could not tell me why. I asked why hadnt I received a adverse action letter or anything in the mail on XX/XX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: MI

Complaint narrative:
I have a XXXX XXXX XXXX  that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had version phone service since XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX section XXXX A.States that I have the right to privacy. 

15 U, S.C 1681 section 604 A section 2.It also states that 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 with antedates the report by more than sever years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has a 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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
On XX/XX/XXXX Consumer Adjustment Company added negative remarks on my credit report from XXXX dropping my score XXXX points. I have never had an account with XXXX or Consumer Adjustment Company. I have never received a call nor letter from either Consumer Adjustment Company or XXXX. It shows this account was opened on XX/XX/XXXX and has a balance of {$2900.00} This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: ERC
State: MI

Complaint narrative:
I have a XXXX XXXX XXXX that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had XXXX  phone service since XX/XX/2022 ENHANCED RECOVERY CO L XXXX ( XXXX XXXX XXXX ) {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account is paid and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: SC

Complaint narrative:
Exercise my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
My vehicle was repossessed XX/XX/XXXX and sold at auction on XX/XX/XXXX for XXXX and minus all the fees of XXXX there was a surplus of XXXX owed back to me. XXXX gave me a check in amount of XXXX and stated there was XXXX in other fees the letter I received clearly shows how the math was incorrect and also Im wanting to know if all the fees they indicated were valid. There are multiple times I called to get this takes care of and they were extremely rude and made me cry with the mean things they told me. I asked to hear the recorded calls and they refused. please help me with this matter and company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had to cancel a trip with a company named XXXX XXXX  and travel located in Florida. 
I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment. 
I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible. 
So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible. 
The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back. 
So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.

Company response to consumer: Closed with explanation