vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a deposit into my business account XXXX XXXX on XX/XX/XXXX for over XXXX. I went to make sure the balance had posted after the XXXX, and it had. I didn't need to write checks with that particular account and assumed there was no issue and made small purchases up to today 's date and they cleared with no issue. I went to charge my healthcare test to the card today for {$140.00} and it was declined... twice. I opened up my account and they have placed a hold on the funds since I saw them clear after the XXXX. I have outstanding checks that will clear as of today 's date, so I called them to see what the issue is now. I spent collectively on the phone over 45 minutes between holding and speaking to people. They informed me they had placed a hold on the check, never said why other than the need to verify funds which is XXXX  considering they have had the funds in Chase for over 6 days ( I verified this with XXXX XXXX XXXX  ). I held a federal and state-chartered banking and broker license in the XXXX 's so I understand the banking world somewhat. This is nothing more than Chase doing this to a plethora of people all at once as it aides the fractional reserve banking/lending system we use currently- great for the lending process but egregious to we the consumers and a major inconvenience. Was never notified by Chase-no call, no email no nothing- just an after the fact " we are sorry ''. The verbal band aid they like to use when they have no meaningful reasoning behind their actions- complete baseless and without merit. They tried to blame XXXX XXXX XXXX as the culprit as XXXX XXXX XXXX will not verify anything over the phone, not sure why you need to verify the funds are in your account when you can see them. BTW the other account the check was written on belongs to me as well so I saw when it cleared that side. Extremely bad customer service on all fronts and I will use this account sparingly till I can get to XXXX XXXX A to open another account there. Please hold Chase Bank accountable for their actions and I would like to know if there are any other agencies that I can file with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I initially found out that I had a debt that went to collections after it had already ended up on my credit report. I immediately looked up the phone number to Conserve and contacted them when I saw it listed on there. I also paid this debt immediately. My husband and I asked them why I had not received any communication about this debt and their response was that they werent ever able to get ahold of me and they arent allowed to leave a voicemail ( company policy based on a law about being leaving information about debt on a voicemail ). It would have been appropriate to AT LEAST leave a voicemail to request a call back. I would have also appreciated a notice in the mail, but I never received anything in the mail. I was given an address over the phone that was several years outdated. It is unfair to me that I was NEVER made aware of this debt and wasnt allowed the opportunity to pay it immediately when notified of it. I work for a XXXX  XXXX, so I do not answer phone calls from unknown numbers. However, I will call them back if they leave a voicemail and I know that theyre legit. This is unfair practice and I want Conserve to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX  Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX  Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX  which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

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 2022-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX Buck which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent in a dispute letter to Transunion Disputing INACCURATE information that is being Furnished on my credit report, I didn't get a response & now I feel very frustrated with their efforts. I even called to get an update on the status of my disputes with still NO response from the company. 

The following Innacurate Accounts are INACCURATE. 

XXXXXXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new personal Truist checking account under the Welcome {$500.00} Checking Offer XXXX ( XXXX ) on XXXX/XXXX/2022. 

Two Qualifying XXXX Deposits totaling {$1000.00} or more within 90 days of account opening were made on XX/XX/2022 and XXXX/XXXX/2022. 

Four weeks have based and I have not received the {$500.00} offer. 

I have contacted Truist twice and their foreign call center agents have been no help. 

The online offer tracking system says the my account was closed. My account is open and active.

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 2022-04-19 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: IL

Complaint narrative:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

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 2022-04-19 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: IL

Complaint narrative:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: GA

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 And all inquiries, 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 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Management is ruining my credit : They are saying I missed Payments for XXXX and XXXX of 2022 when I did send checks and they did acknowledge ( I have check numbers and everything ). They are also saying I'm 30 days late for XXXX when it's only XX/XX/XXXX and I did make a payment. 

Rushmore Loan Management is the worst company to handle mortgages. I believe they are doing this intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: SC

Complaint narrative:
I have updated information on an open complaint with Experian. The complaint # is XXXX. Experian has violated my consumer rights. They have responded that they have concluded their reinvestigation without providing me with the description of the procedures used to determine the accuracy and completeness of the information allegedly verified and without doing an investigative consumer report. 

The disputed information being reported is identity theft. On XXXX Experian received the following documents by certified mail with a green return receipt. My police report with the FTC ; my notarized identity theft affidavit with a XXXX copy of my driver 's license, social security card and mail for proof of address ; a letter with my written instructions for the accounts that are reporting on my consumer reports which I did not consent to authorize nor benefit from. They emailed me on XXXX that they do not accept my police report that was filed on XXXX with the FTC. They emailed me on XXXX with the updated dispute results reporting the information verified on my consumer reports. These actions violate my consumer rights under the FCRA and are causing me harm. I have attached a copy of the police report that was filed with the FTC with a copy of the certified green return receipt signed by Experian. I have also attached copies of Experian 's recent responses.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This was with Bank of America. My Name is XXXX. I disputed a transaction that was fraudulent but they've claimed their unable to pay me after making me wait a month. Had it not been able to been paid why would I've not been told sooner? The payment was made before I released the website was a fake copy of a another one. I will never receive the product. I want my money

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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a previous complaint after an unpleasant interaction with Transunion on XX/XX/XXXX. As a result of contacting them to have them remove inquiries not mine I also filed a XXXX complaint. The angrier I got about the lack of professionalism and service the more I started looking at laws for consumers. The last rep I spoke to mentioned an FTC report so I looked into it. Everything about it from the site seemed like what I needed to send over with the police report from having my info stolen. On XX/XX/XXXX I OVERNIGHTED a letter, ftc report, and original police report to Transunion and have confirmation they received it on XX/XX/XXXX. Today I check my email with the same nonsense they were regurgitating over the phone about me contacting the creditors. I AM CONTACTING THE COMPANY THAT HAS THESE THINGS LISTED! I also read around after hours on a XXXX XXXX that under the fair credit, if a person tells the bureaus that things on the report are a result of identity theft they have to remove it in 4 business days. Today is the 4th business day. So my understanding would be that if these things aren't gone by today Transunion is breaking laws and I have reason to sue them. I am tired of this back and forth I do not have the time to spend hours a day getting a company to do their job. I work in insurance and am way too familiar with the games big corporations play and not afraid to defend my rights.

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 2022-04-19 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: MD

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 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 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 2022-04-19 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: MD

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 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 2022-04-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-04-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
On XXXX 2021 a personal loan of XXXX $ was taken out in my name without my consent or my knowledge.

Company response to consumer: Closed with explanation