vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023 XXXX XXXX Date of inquiry 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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2023. My wife deposited a Tax return check ( we overpayed ) for {$29000.00} into an ATM at Chase Bank, in XXXX, XXXX. I authorized the check and my wife didn't realize she had to sign also. The credit was reversed appropriately and it began a XXXX week runaround including lies by bank representatives. 
I was told the check could not be returned however they would mail us a certificate that could be deposited into my checking account. It never arrived so I returned to the bank, XXXX later to complain. They contacted the ATM department and agreed to mail it overnight. A week went by and no certificate was delivered. I returned and complained again. Another week went by, no certificate. When I returned to the bank, a little upset, They committed to sending it overnight again. When it didn't arrive after XXXX  days, I complained and they said it wasn't sent overnight, that I should wait a week and let them know if we didn't receive it, we did not receive it. XXXX weeks ago, I asked to speak with the Bank, branch manager, he filed an escalation request to get a resolution. We have not heard back from the bank since then. They called us this morning to tell us they didn't have any information. 

I really need help getting these funds into our account. I was going to contact the IRS and ask for another check but it's going to take months and we need the funds for holidays, bills and food. 
It appears there's a breakdown between departments, we're willing to do whatever we need to, to get the funds. The bank has acted very inappropriately. I think they lost whatever they're supposed to send to us. I was able to confirm with XXXX ( Chase told me that's how they mailed to us ). XXXX doesn't have any record of a shipment being sent to me from Chase Bank. My nephew works for XXXX and has access to all data. They never sent the check so I don't know how it got lost. 

I was told that our situation is unique, that XXXX 's of checks are reversed in ATM 's every day. The check or certificate is returned to the customer within XXXX days. For some reason, they can't do this for us and it's been XXXX weeks. Seems very unethical. 
Perhaps you can help my wife and I?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
I filed a complaint last night, due to XXXX Flagstar posted negative information to the credit union again, causing my credit score to decrease by XXXX points again, but they said they can't find my information which is not correct.

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 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We went to XXXX XXXX XXXX and purchased a bed on a credit card that we already had. 

A few days later we received a store CC in the mail. When I checked my credit report, they made a hard inquiry and my score was down XXXX points. 

We NEVER authorized a store CC nor any inquiries into our credit history. 


Creating a CC that was never asked for sure seems like fraud.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a Federal Perkins Loan. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. I XXXX from XXXX XXXX University in XXXX and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by XXXX records the last axctivity was in XXXX, then this is 30 years old and should not be reprted on my credit. I called XXXX today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trying to buy a car and house. There are numerous negative accounts on my credit that is damaging my application in which according to 15 US Code 1681 nothing on my credit should be damaging to me personally.

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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX is about to start garnishing my wages. I need help preventing a wage garnishment. They supposedly sent me a written notice on XX/XX/23 which I have not received. 
I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
This issue occurred with the company known as Chime but also goes as XXXX. This company is so crooked and stole {$860.00} from me while Im going through a hardship. On XX/XX/2023 at XXXX I went to XXXX  XXXX XXXX outside atm and attempted to disperse {$860.00} with my Chime Debit Card. The atm caused a error and did not disperse the money. I then got out my vehicle and went inside of the bank and explained it to a representative what happened. She told me that I would have to follow up with Chime. I contacted Chime by phone call, and they informed me that I would have to wait until the transaction goes through and stop pending and then give them a call back to dispute the transaction. On Sunday, XX/XX/2023 the transaction shown it had processed so I called and disputed the issue. Tuesday XX/XX/2023 at XXXX I received a email denial letter. The denial letter that I received does not adhere to guidelines set forth under regulation E. Wednesday XXXX XXXX at this point I felt as though my hands were tied and I went to my local police station to explain the situation just to get some kind of help. He referred me to the that same XXXX  XXXX XXXX and was very helpful. And I spoke with a very helpful manager of the bank named XXXX XXXX, she called Chime with me and went under full investigation. She ran a report and stated that the atm I went to is balanced on Thursday and it hasnt been balanced yet so its no way the dispute should have been denied. She stated the company also denied it within XXXX business day which is also not enough time to complete a atm investigation. We spoke with managers at Chime, no one was willing to help or even apply a temporary credit to my account. They stated it would take XXXX  days to complete the rebuttal firmly and no temporary credit will be provided. We then began to look over my denial letter, and noticed the many ways it does not here to Regulation E guildlines. 1. There is no terminal location/transaction location listed. 2. Type of transaction ( atm, pos, retail ) is not listed. 3. Name of Financial Institution that initiated the charge is also not listed on denial letter. ( a copy of the denial letter is included in report )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX {$140.00} CCS Collections {$77.00} CCS Collections {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} LVNV Funding {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Trying to buy a car and house. There are numerous negative accounts on my credit that is damaging my application in which according to 15 US Code 1681 nothing on my credit should be damaging to me personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Refusal to accept tender of payment. I have attempted on several occassion to fufill any financial obligation with Mercedes Benz FinanciaL. My attempts to tender payment have been met with refusal. I have attached proof of the attempt to tender payment as well as proof received by Mercedes Benz Financial on XX/XX/2023, which was my last attempt. My account is still showing a negative balance as of XX/XX/2023. According to UCC section 3-603 tender of payment-a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

In addition according to Mercedes Benz Financial XXXX document on securities and exchange commission, Article Four in reference to Satisfaction and discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
information was in data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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:
I recently review my credit report and noticed unauthorized account XXXX XXXX XXXX in the amount of {$400.00}, paid, closed. 
I do not recognize and have filed a FTC report. 

I asked for Method of Verification from Experian after the dispute results stated that the account verified it belong to me. It has been past 30days. Please delete unknown account.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} Jefferson Capital Syatem {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-14 00:00:00
Product: Credit reporting 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I, XXXX XXXX, the consumer and natural person, was denied credit by HOME DEPOT INC. when I applied for a Pro X Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by HOME DEPOT INC. due to the response I received. HOME DEPOT INC. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of HOME DEPOT INC. 
If HOME DEPOT INC. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make HOME DEPOT INC. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Principals rights were violated by XXXX XXXX XXXX  per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/ for amount {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had both a mortgage and a HELOC with Truist bank. I sold my house. The closing attorney had advised me to call the bank and obtain a final payment amount and let them know that I was closing the account. The night before the closing, the computer system went into my checking account to try to retrieve my monthly payment. It encountered insufficient funds and attempted to retrieve this payment four times. The bank then went ahead and charged me for {$30.00} fees for each time to the computer system failed. I dont think this is correct or fair. If the computer system had automatically tried 1000 times, would the bank charge me {$30000.00} in fees. I have called the bank four times to try to get a resolution on this issue. I believe that the bank was aware that I was closing my account and should not have gone in there to retrieve the payment. Even if they wanted to charge me a fee It shouldve been {$30.00} not {$120.00}. Right after I received a notice for these fees, I called the bank and they said that they were putting in a request. I called back, and there was no record of the request on the second agent told me that he would put in another request to see if I could get these fees reversed. I called back again on XX/XX/ and XXXX said that there was no record of any requests in the computer. She said that she was opening a ticket and she also spoke to her supervisor and would call me back within two days to let me know of the results. I did not hear back from her so I called back again on XXXX XXXX and spoke to XXXX. XXXX said that the request was rejected and the bank couldnt give me my money back because my HELOC account had already been closed. I let her know that they already had a checking account with Truist that was open and they couldve used that to deposit the money into, but she said it is not possible. I think what the bank is doing is very dishonest and unfair to customers. There is essentially charging multiple fees, and stealing the money. They knew that I was paying my loan off so I shouldve been charged XXXX dollars in fees not {$120.00}. If they wanted to charge me for insufficient funds they shouldve charged me a maximum of {$30.00} because thats what was in my agreement. I believe that the government needs to be aware of these shady banking practices by Truist. {$90.00} or {$120.00} may not be much to their CEO, but its a lot of money to a lot of people in this country.

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