vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist bank closed my accounts and stated that it was closed for fraudulent activity I just opened the accounts and were transferring funds from. My previous institution I went to there local XXXX XXXX branch in pa and recieved no help I was given a false customer service resolution information to the department that was suppose to help me I was profiled with an attitude and an eye roll and was talked about as soon as I left the branch I had a family member also in the brands.. When I asked about my funds when I. Reach a supervisor I was told I dont know when youll receive your funds. I recieved no documents from the branch either. They said there was nothing they could do.

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: OK

Complaint narrative:
IQ Data response was all inaccurate. There was no statement made by me and company has failed to abide by the law. I have communicated with this company with every verification. They are acting against my fair credit reporting acts and at this point acting against all laws and my rights. 
This company needs to be investigated. Their response is fraudulent/lies like their claim. They refuse to investigate and just want funds that's not owed to them. They claimed to be a tenant debt but have no court judgment. This company is using their ability to their advantage illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been with Navy Federal for years. To me one of the best banks. However, most recently this year I claimed 2 fraud charges one charge international and another charge local. I filed the dispute, the rep advised they its computer generated and it does not give the reason why. Once it was denied. I did an appeal. 

According to the appeal which I submitted on XX/XX/2023 : Thank you for your response. Your appeal has been submitted for review, it will be worked in the order in which is was received. Currently, there is no specific time frame, however, your appeal will be worked as swiftly as possible. The final determination of the second review will be noted on your account. If you have any further questions please let us know. 

I spoke with Navy Federal on yesterday to a fraud XXXX. I advised her that I am on a strict budget and my account is being overdrawn every month due to the fraud done on my account may I get an update because its going on XXXX months. She came back and said the system does not give us a reason why however the appeal was denied. I have yet to get any documenation and its 1 day later. They state 1st appeal worked in the order they are received, now 5 mins later you all have a decision. This practice is unethical and I will be getting the attorney general invovled this matter. People work hard for their heart earned honest living money and the banks will try to legally rob us. 

I am disputing a total of {$890.00} and they have done nothing but failed me as a consumer and this hurts. We just our trust in bank and we look for answers and they tell us its no addtional information its just a system based response. I asked should I file a police report and the rep tells me its pointless. So what should consumers do if fraud is done on their accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I attempted a {$50000.00} transfer to my Citibank savings account to open the account from XXXX Bank after verification of the linked accounts. Citibank continued to email requesting a transfer for the account so I contacted Citibank XX/XX/XXXX to understand why the funds and account were not showing. Citibank informed me that they closed the account due to fraud as the transfer came from a joint account and that they would hold my funds until the account was closed. Since that time, I've been told that 1 ) they can not release the funds to me because it was a joint account and fraudulent funds, 2 ) to contact ally to initiate a transfer back ( which they can not do from a closed account ), and 3 ) that protocol is being followed over and over despite no one being able to tell me where my funds are or how to retrieve them. I have been transferred no less than a dozen times to multiple departments, placed on hold repeatedly because no one I've spoken to actually has the knowledge to handle a matter like this and I have been told there are no supervisors to speak to. This is unconscionable behavior by Citibank and no one should have to experience this.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed from XX/XX/2022, and they replied that they would write a check for my funds within 10 days, but it has been half a year, and every time I contact them, they perfunctorily make me wait indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

XXXX XXXX  on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law XXXX XXXX XXXX is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, Experian, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since XXXX XXXX XXXX deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since XXXX XXXX XXXX deprived me of proper " opt out '' forms ''. 

Refer to attachment of XXXX  's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

Box XXXX on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law TD Auto Finance is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between TD Auto Finance, XXXX XXXX, XXXX, XXXX, XXXX, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since TD Auto Finance deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since TD Auto Finance deprived me of proper " opt out '' forms ''. 

Refer to attachment of TD 's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Someone hacked my PayPal account and sent three separate payments of {$1000.00} I disputed this with PayPal and they denied my claim and the reason stated is that that this transaction is consistent with my PayPal history. Then they sent me a email on XX/XX/2023 saying the dispute was in my favor but I still havent received my money back and they said I would have it within 5 days. I contacted them multiple times now they telling me to go through bank and do a charge back. 

Dispute case ID XXXX XXXX XXXX {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 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: PA

Complaint narrative:
Experian have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXXXXXX # XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXXXXXX # XXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX # XXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - 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 explanation
Consumer complaint received 2023-04-05 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: PNC Bank N.A.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, PNC Bank account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX ( Washington Mutual Bank ), filed Bankruptcy XXXX, FDIC became Receiver, JP Morgan Chase became Servicer of Loan XXXX until XXXX, whereas they sold servicing rights to XXXX. Per Chase they are not the investors. Per Record of Deeds of XXXX XXXX of Illinois it shows an Assignment of Mortgage ( XXXX, XXXX, as Trustee, in trust for registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXXXXXX XXXX JPMC ( JP Morgan Chase Bank ) is the owner of the account, ) Per Chase Bankruptcy Dept, Chase shows as Investor since XXXX, 1st JP Morgan Chase only became Servicer as of XXXX, They didn't Repurchase Mortgage, after XXXX XXXX Canceled all Securitized Mortgage back BondsXXXX, and making XXXX XXXX  XXXX, the Trustee over Washington Mutual Bank, after reorganization by the XXXX XXXX Team There are no more Bonds only stocks, Because these Bonds were Insured by XXXX XXXX  They then Sued FDIC XXXX JP Morgan Chase Bank , Washington Mutual Bank , whereas they told the court they were affected by the Bonds that was written off by Washington Mutual Bank before XXXX, XXXX XXXX  was awarded over XXXX, finalized XXXX  XXXX But for some reason there remains an Assignment of mortgage Via XXXX XXXX. Trustee for XXXX , ( AKA JPMC ), again I stress there is no Mortgage from JP Morgan Chase Bank , or XXXX XXXX XXXX Trustee, per XXXX, there is no Mortgage on our account, per letter dated XXXX from Executive Office ( Mail Code XXXX ) stating that Note Originated XXXX, and that it was with Washington Mutual Bank XXXX and the FDIC was the Receiver as of XXXX, But Per XXXX mortgage servicer as of XXXX, XXXX, XXXX, as Trustee, in trust for registered Holders of WaMu Asset-Backed Certificates WaMu XXXX XXXX Per Assignment of Mortgage added by JP Morgan Chase Bank- ( JPMC ) added on XXXX XXXX the owner of the account is provided below : Attention : Agency and Trust ( XXXX  XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXXXXXX. 
XXXX XXXX NY XXXX Which was after Washington Mutual Bank Bankruptcy Case ( XXXX ) Making XXXX XXXX XXXX the Trustee over Washington Mutual Bank, after several law suits it was determined that after Washington mutual Bankruptcy since JP Morgan Chase did not Repurchase the Notes, and the ( RMBSL was written off ) that our Account belongs to the Receiver FDIC,, Per document received from JP Morgan Chase Bank on XXXX. There is No Mortgage in XXXX and There is No Mortgage with JP Morgan Bank and there is No Mortgage with XXXX and there is A Mortgage with Washington Mutual Bank. This Assignment of Mortgage that was added to our Records Of Deeds we feel it was either added in error, or without advising Borrower of a change in Investor, or fraudelent, if there is a Change in Investor Please Supply, if Not Please remove Assignment of Mortgage from XXXX XXXX. Trustee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-05 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: LEXISNEXIS
State: FL

Complaint narrative:
Deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TN

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. 
Online Information Services XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2023-04-05 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: TN

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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