vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Re Chase Bank checking account : XXXX XXXX check XXXX dated XXXX cashed XXXX Amount {$2500.00} Payee Commissioner of Revenue Services State of Connecticut This check was sent in the US mail ( stamped, dated and photographed when given to The XXXX CT XXXX ) .It was stolen and cashed by an individual called XXXX XXXX  and deposited into her XXXX XXXX account. 
Despite the check not being deposited by the payee, Chase Bank deducted the funds from my account. 
On XXXX, I went to my local Chase branch, pointed out the error and completed an affadavit, given to me by the Chase employee, to have this corrected. 
I was sent a letter from Chase dated XXXX, rejecting their own paperwork, closing the case and requested me to resubmit the identical paperwork. 
The error is clearly Chase Bank 's as my funds were paid to someone other than the written payee the State of Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it 17 years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

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  Account # XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has sued me for an alleged debt. 

Bank of America never sent me documentation to validate the alleged debt. 

Bank of America used substitute service ( NOT personal service ) to serve the Summons & Complaint on my mail service. 

The individual served was not informed as to the nature of the documents being served. 

Personal Service was NEVER attempted at my residence or place of business. 

Plaintiff never obtained permission from the Court to perform substitute service. 

The individual served was not and is not an authorized representative for service of process. 

The court where the lawsuit was filed is a 30 minute drive away with reliable transportation. I lack reliable transportation. There is a XXXX  Courthouse ( the XXXX XXXX XXXX ) within walking distance of my home. The action should have been filed there. 

Plaintiff is fully aware and has been given documentation to prove that even if Plaintiff is successful in obtaining Judgment in its favor, I can in no way make restitution. 

I am turning XXXX XXXX XXXX. I am XXXX  XXXX. I am XXXX  and XXXX  XXXX. I am retired. I am unable to work. My sole income source is SSI. I rely on SNAP ( food stamps ) and Section 8 Housing for my subsistence. I own no real estate or luxury items or liquidable assets. I HAVE NO COLLECTIBLE ASSETS but the Plaintiff continues to harass me with the present lawsuit. 

I can not afford legal representation. I am having to fumble through this lawsuit on my own. It is costing me in ways I can not afford : mentally, physically, and financially. 

Plaintiff is in violation of the Fair Debt Collection Act/Rosenthal Act. 

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 explanation
Consumer complaint received 2024-02-01 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: NE

Complaint narrative:
Dear CFPB, I am writing in reference to the recent response of Equifax, XXXX and XXXX to my CFPB complaints, dated XX/XX/2024, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies.

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX Same Inconsistent Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX - Removed in XXXX and XXXX on XXXX XXXX XXXX  - Account # : XXXX  - Removed in Equifax on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 
I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal.

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NC

Complaint narrative:
On XX/XX/2024, a money order of {$830.00} was deposited into my account XXXX at JP MORGAN CHASE bank. My legal name is XXXX XXXX but I have always gone by the nickname XXXX  since birth. On numerous occasions, checks and money orders have been deposited into my multiple bank accounts with the name XXXX  written on it and the bank accepted them. On this specific occasion, they accepted the check, cleared it but then refuse to honor it. They put a hold not only on the check but on my whole account and restricted for XXXX  days. After the XXXX  days period, they decided to close my account with a full balance of {$5900.00} and issued XXXX XXXX XXXX checks, XXXX for {$2100.00} and XXXX XXXX for {$3800.00}. They mailed me the check for {$2100.00}, but are refusing to give me the issuing balance of {$3800.00} with the reasoning that I need to verify XXXX and XXXX are the same person. After numerous phone calls and visits to the branch, I was directed by a manager in the back office handling these issues to write an affidavit stating that I go by the nickname XXXX, have it signed and notarized and then my funds will be available once they receive the document. On XX/XX/2024, the affidavit was submitted, they confirmed the reception of the document but however still refuse to issue me my remaining balance because they said that an affidavit can't be accepted even though they provided that solution first. I need help from the Consumer Financial Protection Bureau to retrieve my {$3800.00} because I rely need these funds in these difficult times. My phone number is XXXX, email address is XXXX and I can be reached at anytime. Please help me against this forfeiture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I paid off a personal loan with Marcus Goldman Sachs on XX/XX/2023. My balance is now XXXX. I went on line and found out that Goldman Sachs had sold my paid personal loan to XXXX XXXX XXXX ( SST ) XXXX. I called XXXX and a representative of the company XXXX XXXX told me that the reason this paid loan was not reported to the CREDIT BUREAU was because they do not have all the files from Marcus Goldman Sachs to file this and report it paid to the credit bureau. XXXX said it could be weeks/months or longer until they can report this loan paid. 
It is very unfair to a consumer who worked hard to pay off this loan and wants its reported to the credit bureaus so my credit score will reflect this payment. I took out this loan in good faith and lived up to my responsibility and now within a reasonable amount of time want this to be reported to the credit bureaus. 
I spoke with a a representative from the FEDERAL RESERVE CONSUMER HELP LINE and he told me to file a complaint with your agency. The representatives name was XXXX. 
XXXX I would appreciate assistance with getting my paid personal loan reported to the credit Bureaus Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
AMEX platinum card provides {$200.00} credit for some hotel booking. I made a hotel reservation in XX/XX/year> and received this {$200.00} credit. Later I have a change of plan and canceled my booking. Instead of reverse this {$200.00} credit, AMEX charged {$400.00} instead. I tried contacting, using their live chat online. The representative declared that it was their right to reverse credit from {$0.00} and {$400.00}, specifically " We may reverse their statement credit for the benefit if a Card Member cancels or modifies an eligible hotel booking based on the amount of eligible XXXX and/or XXXX bookings made against the amount of credit provided for current and/or previous years. This is known as their eligible net http : //spending.Credit reversal amounts can vary from {$0.00} to {$400.00}, based on whether it is for the current and/or previous year. " but it was not stated in AMEX 's card agreement. The way how and when AMEX reverses such credits seems to be rather arbitrary and not explained in the agreement or to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please see attached file

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 Bank Account # XXXX. XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXXXXXX XXXX XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 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 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 2024-02-01 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: FL

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 Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 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 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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not authorize unknown Non account INQUIRIES dated XX/XX/2024 & XX/XX/2024 from XXXX XXXX XXXX. Identity theft report attached. Please no fraud alerts

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 2024-02-01 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: MA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Protocol Recovery Service, Inc.
State: LA

Complaint narrative:
This is a debt collector that bought the debt off a charge off account. I told them to cease and decease contact with me.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a USPS money order in the amount of {$440.00} at a Bank of America ATM in XXXX XXXX on XX/XX/year>. I received a notice after that it was subject to a Deposit Hold until XX/XX/year> at XXXX XXXX 

Reg CC is very clear that banks must make USPS money orders available the next business day for an in-person deposit or the second business day if deposited at an ATM owned by the bank. That's what I did, so it should have been available today, XX/XX/year>. None of the exceptions listed in the rules apply here. 

I called Bank of America 's customer service and they wouldn't release the hold, nor tell me why it was in place, other than " It's our policy to hold money orders and checks to verify funds. '' I told the supervisor to whom I asked to speak that the law requires cashier 's checks under certain circumstances and postal service money orders to be treated differently, and he said they don't. I was astonished that he'd admit to me that they break the law.

I finally asked to speak to the legal department, as I'm an XXXX, and they would not talk to me. 

Finally, as you can see in the attachments, the money order has cleared, so they have no basis for holding the deposit, as the possibility of collectibility isn't an issue here.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been a customer with capital one since XXXX Recently I had made a payment to Capital One and it kicked back. I had some fraudulent activity with my bank that caused the payment to kick back. Capital One closed my account due to not complying with their policy I called capital one to explain my situation and the fraud department submitted a request to reopen it and my request was denied. When I asked for the reason I was denied, I was then hung up on. This is ridiculous, I have been a long time customer who always pays my bill on time, I use the card for business, I lost {$5000.00} I use in capital to buy inventory for my shop. On top of all that Capital One closed my other card that had no association with the kicked back payment card. I am actually over paid on that account by {$17.00}. So I had a kicked back payment ( due to no fault of my own ) and they closed both of my accounts with them. This will impact my credit score and cause problems when applying for any new cards. I have not been informed of any direct explanation as to why, besides the vague explanation of not being compliant with their policy how is what these credit card company doing compliant or fair? This has also happened to two other capital cards of mine, I was too naive to do anything about at the time. My VENTURE & business SPARK accounts also got closed with NO REASON EXPLAINED I was actually told that they dont have to tell us the reason and I would get a letter in the mail with further details, I got a letter with NO details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: SC

Complaint narrative:
In XXXX of XXXX, I was contacted by a collections agency on behalf of XXXX XXXX in XXXX, Alaska. They claimed that I have 2 outstanding bills from an appoint on XX/XX/XXXX. I am contesting these bills for several reasons. 

The first, is that the services done by XXXX XXXX were covered by a grant by XXXX XXXX. The scheduled XXXX from XXXX was only partially covered and the remainder of the bill is {$290.00}. The second bill was for a service I was unaware that I was having or would later be billed {$970.00} for. I feel that XXXX XXXX was not transparent of what the charges of the services would be and should have given an estimate before I consented. Undoubtedly, I would have refused to proceed with the service had I known. 

Secondly, as previously stated, I was first made aware of these bills in XXXX of XXXX, more than 2 years after the initial appointment. XXXX XXXX had attempted to communicate with me only through a po box that I was no longer using. They stated they were unable to get in touch with me even though I have had the same phone number since XXXX and the same email address since the late XXXX. Not to mention, that I had the same service performed in the same facility the following year and nothing was brought to my attention. I had literally walked through their doors and I was not made aware of the bills. 

Also, so much time has lapsed between XXXX XXXX XXXX and when I was first contacted in XXXXXXXX XXXX XXXX  that records kept by the involved parties are no longer useful. Had I known of this earlier, I would have had the opportunity to make a resolution. There was also interest tacked on to each of the bills which had been accruing without my knowledge over time. 

I feel that the lack of transparency and untimely communication on the part of XXXX XXXX has caused unnecessary hardship which could have been avoided with more professional correspondence.

Company response to consumer: Closed with explanation