vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK fraud department They have closed my account. I was a victim of employment fraud, after being with this bank for more than 10 years, they have been the absolute worst in every aspect of helping me. I had a little over {$2000.00} in my account prior to the fraud - it is not much I am aware but being a single mother it was my hard earned money to support my children and I. I was hired for remote work, was sent 2 checks to start up my home office. Unfortunately, this was not the case. I was taken for the money I had plus an additional nearly XXXX. I submitted all the required information, paperwork, emails, pictures, etc to the fraud department as requested. Come to find out, my claim was not fuZNlly submitted. The supervisor XXXX submitted XXXX additional documents that I originally submitted that were not submitted by the fraud department. That is 100 % a fault on US BANK, not I ( red flag XXXX ). I have called and spoken to another supervisor, XXXX, she was no help either. Basically saying I have no rights to the funds I had prior. I also had a refund of {$45.00} and some change, that they are refusing to send me a check for as they say I have no right to any funds going into the account. However, the fraud department told me they closed my account so no funds could go in or out of the account, ( red flag number XXXX ) - the only thing I am asking for is the money I had prior and the small refund. Now when I call in, I get the run around, no calls back, the managers are never available, I need help, please. I am struggling terribly to make ends meet, I have not been able to recover from the huge blow losing all my funds has caused and now they are sending the debt to collections. 
Case numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individuals dealt with, XXXX ( XXXX ) and 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: TX

Complaint narrative:
My mother pass away and left pods at Candence bank for her heirs, they said no money can be released until all pods sign, and there are two who refuse to sign, they will not release my inheritance until all sign, i ask them what happens if one does not sign they said no money will be released, i ask them is there then a time limit for them to sign they said no and no one can collect until all sign, so if one person doe snot sign i will never get mine inheritance, that is messed up, why should what my mother left me be held up because of someone else, I seriously GOT A BIG PROBLEM WITH THIS, this violates my rights as a heir

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: OH

Complaint narrative:
To whom it may concern this is my XXXX time filing a complaint with CFPB over the item with XXXX XXXX XXXX c/o XXXX XXXXXXXX XXXX The requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). FCRA, you are required to investigate the item mentioned if I request it, and further provide me a written report of proceedings. The FCRA, you must remove any alleged unproven negative information of which I have previously filed a complaint over the item about the error in reporting privilege ( s ) by the indicated reporting entity ( ies ). However, at a minimum reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted furnished items. Please delete this file from record on my credit report at once.

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 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello, I was looking over my report and I see that I have been marked late multiple times. According to law 15 USC 1681a ( 2 ) ( B ), you are not supposed to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
I submitted a complaint again XX/XX/2023. Some of the negative items got deleted but there are some who are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is against Experian ID XXXX XXXX and XXXX XXXX. IN BEING VERY CAREFUL NOT TO DUPLICATE A COMPLAINT, this complaint will focus on one aspect of my dealings with this XXXX XXXX, which is failure to honor our contract. The Experian name relevant to XXXX XXXX, repair and monitoring is usually a well Respected name and service. However, Experian ID XXXX XXXX in combination with XXXX XXXX XXXX, has placed a tremendous blemish on the Experian name. Don't take my word for it, simply read the volume of complaints listed on the XXXX XXXX XXXX, and the Consumer Finance Protection Bureau. The famous words this service loves to say is " there is nothing further we can do ''. This service leaves the customer in the same mess or worse, than when the customer such as myself, initially began their contract. They continually refuse to honor their contract, and this is the basis for this complaint. This service simply ignores the customers needs and requests. And they expect the customer to do all the work that they were hired to 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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
US Bank closed my Business Checking Account without any form of notification. They told me that I will receive a check for the funds in my account in 2 weeks. It has been over a month and I have called them multiple times. They keep telling me that the account is to be closed but there is no expiration date or close date. They also mentioned that I will not be able to get my funds from the account until they close the account. 

I have XXXX USD in the account which was deposited on XX/XX/XXXX. I told them that I urgently need the funds and they continue repeating the same words on the account being put on hold before closing. 

I came to know of my account being closed on XX/XX/XXXX and it has 27 days since then with no timeframe of when I get my funds released to me. 

They cancelled their relationship with me and have not released the funds.

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 2023-08-10 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX & XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX & XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning with the fact that I never authorized this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems, Please see attached including : - written complaint - drivers license - social security number - address - latest report from XX/XX/2023 Please have all of these unauthorized inquiries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased gift cards from XXXX, and the product was not sold as described since they do not manage prepaid Visa gift cards. XXXX does not accept returns, so they sent me to InComm, who is the provider of the gift cards. I filed a dispute and provided all the documentation necessary to get replacements, but they are stringing along. I was advised this would be a XXXX working day process and called back after the 30 days only to be told they needed additional days. I called today XX/XX/23, and they told me to give them 48 additional hours. At this point, I am out {$400.00} total in gift cards which is not reasonable.

Incomm : Contact : XXXX XXXX Filed Initial Complaint : XX/XX/23 Sent back XXXX Requested Update : XX/XX/23 Kept Calling intermittently Last call XX/XX/23 Before I filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was denied usage of a debit card by XXXX. They said I should contact Equifax Information Services LLC for a free credit report to investigate the decline. I tried to create an account with my.equifax.com, but was told I could not and had to contact the company by telephone. I called and spoke to a representative. She asked a series of questions and I provided my mobile phone number, email, address, date of birth, social security number and uploaded pictures of my id card and a selfie. After doing this 2 times, due to " errors '', it was successfully uploaded. However, the rep instructed me that it did not work and that I would need to mail the documents and my SS card to XXXX Georgia for further verification. 

I asked to speak to a superviser, as I do not trust sending my Social via snail mail. I was placed on hold for XXXX minutes. I was kept on the line as they agent promised each time that I would only need to wait XXXX more minutes, which turned into a much longer wait. 

I finally gave up and hung up the call after XXXX minutes of wating. 

The reporting service has an obligation to protect credit information and privacy by using modern tools to provide fast and secure service. This apparently is not how Equifax operates today. 

The rep name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX my house flooded. Insurance company and adjuster came in. They did the evaluation and submit the claim. The check was was sent to Shellpoint Mortgage Company because the house has not been paid off yet. The received all documents that were requested on XX/XX/XXXX for a check that was for under {$40.00}, XXXX. According to the letter sent the process would take 7-10 days to process. XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX calls were made to check on the process. Now at day 21 still no check. Each call made I was assured that all paperwork was completed and it was being process. XX/XX/XXXX had had enough. Then on that day I was told that a materials list was going to be needed. Call again on XX/XX/XXXX ( 25 days later ) still no check. I was told that I would only get 25 % of the amount until material list was given. I was mailed a check of 25 % of the amount. The contractor is requiring 50 % to order and start the project. So, again as requested and submitted paperwork that was received by ShellPoint on XX/XX/XXXX. Here were are XX/XX/XXXX and still nothing. This check was made out to fix my house not for ShellPoint to keep in the escrow account. What good is a check sitting there and my house is broken and a disaster.!!!! This is totally unacceptable by a mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation