vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
I have tried to make my first payment on my student loans three times to edFinancial. Twice from my checking account, and twice from my savings account. All 3 times it would show that my payment was made, nothing would show in my bank account, and then days later it would say " payment reversed ''. I called XXXX, waited XXXX hours, and they told me that I put my number in wrong probably, which isnt possible as I was copy and pasting directly from bank website and did this three times. They then told me to call bank as theyre the ones rejecting the payments and im going to lock my account if I keep trying. Called the bank, and they had ZERO record of me ever trying to make any payments. Still unable to make payments. Even found a XXXX chain where hundreds of people are experiencing the same issue. See below : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
DO NOT DO Business with BMO XXXX ( BMO subsidiary that has online only XXXX ). 
They put an account restriction on my account when I tried to withdraw my money to my account at another bank ( Up to this point : I understand that they may want to be cautious of any potential issues- suspicious activities and I appreciate their efforts to safeguard the account ). However, when I called the customer service number and verified my identity through my DoB, Social Security number and text message verification at the pre-registred number. They said that they can not do anything to help and referred me to their fraud preventation department and gave me their number. So I call that number, which went straight to the voicemail ( I called this number about over 10 times over a different time period during the business hours ). So I called the customer service again and they submitted a " ticket '' for me and the issue will be resolved within 48 hours or somebody will reach out to me. But it's been almost a week since. In the meantime, I have called the customer service number multiple times to follow up and called the fraud department countless times ( Everytime, straight to the voicemail ). And I can't even close the account until the issue is resolved apparently. So they are keeping my money because their backoffice is non-existent and can not deal with customer issues properly. Their Fed Supervisors should really shut this institution down and bar them from accepting any more new deposits from customers until they have the requisite back office structure/capacity necessary to deal with any issues that may arise. This place epitomizes incompetency, and the regulators should fine their parent company BMO until they can fix this disaster that they call " BMO 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FOLLOW UP. IT'S BEEN 30 DAYS SINCE I FILE THIS COMPLAINT. UP UNTIL NOW NO RESULTS FROM YOU. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT. 

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
At the end of XXXX I received in the mail a CashApp debit card ( XXXX  ) that I never requested. I called them right away to cancel and find out how they had gotten my information. They had me send pictures of the card back and front and answer several questions which I did on XXXX. They said they would investigate and get back to me. I still have not heard from anyone there. 
Today XX/XX/XXXX I called to see if the card had been canceled as I requested and they say they can not give me any information, yet they can open an account under my name!!!! They were not helpful and both times I tried to verify the cancellation they dismissed me and hung up saying they could not help me and all they could do is escalate the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I trust this message finds you well. My name is XXXX XXXX, and I have been a Chase customer since XXXX. I hold both a personal and business account under the name XXXX XXXX XXXX. 

To my surprise and concern, on XX/XX/XXXX, I discovered that my business account with Chase had been closed abruptly, and unfortunately, I received no prior notification or explanation for this action. 

Throughout the duration of my account, I have maintained a commendable financial record. There are no outstanding debts, and payments have consistently been made on time. However, I acknowledge that my business activity experienced a decline in the past months, primarily due to a challenging XXXX that required me to take some time off to rest. 

I am reaching out to request clarification on the reasons behind the sudden closure of my business account. It is imperative for me to understand the circumstances leading to this decision and to explore any potential steps for account recovery. 

Furthermore, I am concerned about the funds that were held in the closed account. As of XX/XX/XXXX, I have not received any communication or a check regarding the remaining balance. I kindly seek your assistance in providing information on the status of these funds and the steps necessary to facilitate their transfer. 

Your prompt attention to this matter is greatly appreciated. I would be grateful for any assistance you can provide in resolving this issue and ensuring a smooth transition of my account affairs. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
XX/XX/2023 requested in writing loan agreement to be email to me so I can send to my mortgage company to pay loan off. Service Loan will not send agreement and this is a time sensitive matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2023-11-09 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: CA

Complaint narrative:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( XXXX ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: WA

Complaint narrative:
The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. 
I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX  days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. 
They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. 
I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. 
Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. 
I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. 
My old phone that is still on the account was ( XXXX ) XXXX. 
My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX along with their foreclosure attorney, McCalla Raymer Leibert Pierce , LLC, has violated many aspects of the Fair Debt Collection Practices Act, including the nonjudicial foreclosure sale of my mother 's ( XXXX XXXX XXXX ) on XX/XX/XXXX, which was facilitated by XXXX XXXX XXXX XXXX XXXX I requested documents from XXXX XXXX  XXXX on XX/XX/XXXX, which were never provided. I submitted civil lawsuits against XXXXXXXX XXXX XXXXXXXX and McCalla Raymer Leibert Pierce , LLC to the United States XXXX XXXX, XXXX Georgia, XXXX Division. XXXX XXXX XXXX dismissals of XXXX and XXXX were done with prejudiced, bias, partiality, lacked integrity and neutrality and when I pointed out how his responses to my submissions with supporting evidence were in conflict to XXXX XXXX XXXX and Georgia 's Judicial Qualifications XXXX XXXX XXXX supported XXXX decisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX and XXXX XXXX financially influenced XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both have violated Federal Judicial Ethical Canons XXXX and XXXX and Violated Georgia Judicial Ethical Canons XXXX and XXXX, by allowing XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX XXXX financially influence him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
According to Citibank, secured credit card was opened XX/XX/XXXX. Informed Citibank in XX/XX/XXXX this was not my account after seeing it on my credit report. Per Collection agency at the time, account was closed XX/XX/XXXX and I had no choice but to pay to get it off my credit report. informed agency it made no sense to open an account and then close it less than a year later and that it seems to be fraud but Agreed to pay XXXX dollars to have it removed, payment made XX/XX/XXXX debt was removed temporarily, then placed back on my report. XXXX I applied for a mortgage an found the debt back on my report. Called Citibank to inform them I already paid to have removed in XXXX and that this was not my debt, I have NEVER had or applied for a secured credit card from Citibank and was told I have no choice but to pay it because there are no notes on the account stating that I was paying to have account remove from credit report. Was then transferred to another department to pay debt AGAIN, but then informed by agent I would have to visit a branch to pay/ have removed. Visited Citibank Branch located at XXXX XXXX XXXX XXXX XXXX IL. on XX/XX/XXXX spoke to branch manager who sates she can't take a payment because the debt is not valid, there is nothing to post a payment to, told me to call XXXX number AGAIN, and tell them to remove debt. called the XXXX number back for the 4th time only to be directed back to the branch. refused to take any payment. So, I can't pay it or have it removed, and keep getting routed in circles.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a check to the United States Treasury to pay my taxes through Chase Bank- and that check was stolen, forged, and cashed. I only realized it when the United States Treasury sent me a bill saying that I never payed taxes in 2022 so I went to check what happened as I knew that I sent the check and it was cashed. 

Upon looking at the check I noticed it was forged and a new name was on it and it was cashed back in 2022. I immediately went to Chase Bank and filled out the proper forms with the Chase Bank manager and he told me this happens a lot and I would have no problem getting my money back. 

The forms were sent and I a couple of days ago my claim got denied because i missed the 30 day window to file a claim. I have the check I wrote and also have the check I cashed and clearly it was forged and Chase didn't deny that as the evidence is all there. They just said the only exceptions to this rule is if I was in a comma, in jail or a place that I had no access to my account- otherwise there was nothing they could do. 

I went back to the bank and asked them to file an exception as they were surprised with the results, but then said it was the policy and my chances were low. 

The date the check was cashed was XX/XX/2022 for XXXX XXXX dollars. They said that the check was cashed at a XXXX  XXXX XXXX even tho it had my social security number, 1040-EZ 2022 form written on the check. 
The paperwork and complaint I sent to Chase was on XX/XX/XXXX through a chase branch sumbited by XXXX XXXX the a Chase employee.

Company response to consumer: Closed with explanation