vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I had a XXXX XXXX XXXX XXXX  and were sent a check from XXXX XXXX XXXX for {$26000.00}. The check was made out to myself, my husband, and XXXX ( our mortgage company ). I signed the check and brought it to Chase Bank in XXXX XXXX, CA. The check was mailed with no instructions, so I assumed I was able to deposit it- which is exactly what the bank teller did. He deposited the check into the checking account my husband and I share. I have never dealt with an insurance check before, and banks deal with them all the time... they knew better. Needless to say, the check was missing two signatures, my husband 's and XXXX 's. Therefore, Chase decided to flag the check as fraudulent. Chase Bank then decided to withhold our entire checking account from us-including our own paychecks!! We found out our checking account was CLOSED when my husband tried to get gas and his card didn't work ... .They literally closed our account without any notification whatsoever!! I went into the branch multiple times, and the bank manager is the one who actually filed a formal complaint with the executive office on our behalf, and yet our account was still closed. Our paychecks were withheld from us for SEVEN days until we got a cashier 's check. Yet, Chase kept OUR insurance $ $ and it is just floating around. Why couldn't they send it back to our insurance company? Why couldn't they just cancel it? It obviously isn't fraudulent. After filing the complaint at the executive level, I spoke with XXXX and XXXX. I was told the funds would be released to us if we sent in a Hold Harmless Letter XXXX. We received the letter, got it notarized and sent it in! XXXX said it didn't work and they would not release the funds. We literally sent them what they asked for, and they went back on their word. Out account has been closed for over two months now. I have called the executive office multiple times in the last 3 weeks, with NO call back. The water damage in our home has resulted in XXXX XXXX XXXX XXXX. OUR MONEY to repair the damages in OUR HOME is just sitting at Chase ... .they refuse to give it to us or send it back to the insurance company. I am baffled, stumped, saddened, stressed, and so furious about this whole situation. None of this would have happened in the first place if Chase did NOT deposit a check without the correct signatures. We NEED this $ $ to repair our home. We have a XXXX old, and XXXX old who have been in a home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been a nightmare!!!! We need this taken care of ASAP. 
I am very much hoping that this can be resolved, and you can help our family move on from this. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NV

Complaint narrative:
o/a XX/XX/2022 XXXX XXXX starting charging me fees when i wrote to them they reversed those fees. However most recently they have charged me XXXX of fees without providing an explanation of those fees per RESPA. I spoke to them today XXXX and they still couldn't explain why they were charging me fees. The fees that they did say were reimbursed have not been shown to me in detail. I have also submitted a complaint to VA on these presumed deceptive practices.

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 2022-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | XXXX : XX/XX/1970 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not aware of this account, it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THE ORIGINAL CREDITOR IS XXXX  XXXX, I HAVE NEVER HAND THIS BANK. IT IS FRAUDULENT, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NY

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  fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable 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 2022-11-15 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable 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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have been trying to close my PayPal account since XX/XX/2022. They informed me through email after I closed my PayPal credit account within 7 to 10 days they could close my PayPal account. They have refused to close my account. I have a confirmation email and # XXXX that my PayPal credit account was closed as of XX/XX/2022 yet they refuse to close my regular PayPal account. I have spent over 6 hours on the phone with them arguing back and forth. I just want my account closed. I have followed their instructions and now it's time they do their part and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/2022, Pentagon Federal Credit Union debited my XXXX  XXXX checking account twice for {$400.00} causing a negative account balance and a {$250.00} withdrawal from my {$1500.00} overdraft protection service which accumulates at a 14.65 % rate of interest. With checking account transactions pending and a negative balance, I will continue drawing funds from my overdraft protection service until Pentagon Federal Credit Union rectifies the error and credits my checking account with the {$400.00} duplicate debit. The credit union attributed the error to a system flaw and after more than XXXX hours from the time which the duplicate funds debited my account, no resolution has yet taken place. I contacted a credit union customer service representative and the representative, in consultation with management, can not provide me an expected time for a permanent resolution or fix. My family and I live on a very strict financial budget and this has caused a critical emergency due to the lack of funds we need for our daily subsistence. I must now find other financial sources for paying our financial debt which includes the cost of daily meals and vehicle transportation fuel.

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 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I received a debt collection letter from Credit Collection Services on XX/XX/2022 stating that I owed {$580.00} to XXXX XXXX The following day XX/XX/2022, I contacted XXXX XXXX via live chat, and, their representative informed me that there is no balance due on my account and to ignore any such mailings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Received an email from Bank of America to verify my email address, followed by second email to notify me that I had been approved for a credit card. I forwarded those emails to XXXX Received a third email this morning showing I had verified my email, although I had not. I forwarded that email as well and then notified the fraud dept. They stated that they had cancelled this card and there were no charges associated with it.

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I just spent an hour and XXXX minutes on the phone trying to get an explanation as to why my payment in excess of the minimum payment ( {$2000.00} ) did not apply to the entire balance of my highest APR balance ( Cash Advance APR 28.99 % ). The payment was made on XX/XX/2022 which is before statement closing date XX/XX/2022, and yet the following statement Cash Advance balance was only reduced by {$290.00}. 

Terms explaining how payments in excess of the minimum payment amount are applied are stated in the statement as : " After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any Plan balances '' The customer service explanation to me was not consistent to the terms put forth ( above ). She explained that the excess amount is distributed among all balances on the account. When I asked in what way, or how is my excess payment above the minimum applied to each balance she was unable to provide any details on this. 

I suspect this violates the CARD enacted by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax credit report there is a hard inquiry from XXXX XXXX. I at no time requested any credit products from XXXX XXXX and i want this hard inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Hello Digit, LLC
State: TN

Complaint narrative:
This complaint is regarding the XXXX XXXX. I have been a customer for over a year and this savings app takes money from my account to place in my digit savings account. On XX/XX/XXXX, I attempted to log in as I do multiple times a day and the app no longer accepted my pin. We went through the two step verification to log in and it turns out that the account still has my old phone number attached so I can not receive my verification code. I checked the digit help center and there is no phone number to call, only a help email address and help center. I created an inquiry through the company website on XXXX as well as sending an email. Another email was sent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have upwards of XXXX dollars in this savings that I use for bills. I am unable to access my funds and the company is still taking money out of my checking account. Please help me gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
o/a XX/XX/2022 I contacted XXXXXXXX XXXX about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  I received a letter from that firm XXXX XX/XX/2022 indicating that they are trying to collect a debit from XXXX XXXX. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: WI

Complaint narrative:
I received a notice dated XX/XX/2022 from AMCOL Systems , Inc. XXXX XXXX XXXX XXXX, SC XXXX regarding a debt from XXXX XXXX XXXX which had been the result of billing error that had been corrected by XXXX XXXX and should have been no longer placed with AMCOL Systems , Inc . I called on XX/XX/2022 and spoke to XXXX and then XXXX ( supervisor ) requested written verification/notice for my records that the debt was no longer with AMCOL Systems , Inc. and they refused to provide any documentation in writing to me regarding the history of this debt with their company. They stated they couldn't send me anything in writing since they " don't have a template for that. '' I expressed concern regarding them attempting to collect on this debt or take further action in the future and wanted documentation for my records, but they refused and refused to provide me with additional contact information at their company to talk to someone that could provide me with that written documentation. XXXX XXXX XXXX has provided me with written documentation via my billing statement, but the collection company refused to provide me with written verification that they were no longer attempting to collect this debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Please note that in XXXX  XX/XX/XXXX, I purchased a new XXXX XXXX and the XXXX dealership provided me a loan with BB & T for a 5 year term loan. In XXXX XXXX decided to contact to sell the vehicle and I call BB & T that is now Truist Bank and their customer service representative denoted that she would have the Title with the notarized lien release mailed to my residence with 14 days. 

I sold the XXXX XXXX to a very nice lady that I told her that Truist was forwarding me the title with the lien release and I would mail or deliver the documents to her. In XX/XX/XXXX, knowing that I had to go to XXXX XXXX on XX/XX/XXXX, I initiated XXXX more call to Truist and was told the same thing that they send me the title and notarize lien release and they apologize for the delay. 

Upon my arrival back to my NC residence, in XX/XX/XXXX, I called Truist again and was informed they would get this title and lien release expedited to me. I had been bitten by a tick while I was in XXXX XXXX and upon returning back to NC, I contracted full blow XXXX XXXX. So, I contacted Truist again in XXXX  the beginning of XX/XX/XXXX. I started complaining and asked for a supervisor and the supervisor told me that there was an outstanding balance of approximately {$600.00} owed on the vehicle. I immediately paid the outstanding balance by debit card and I was assured that they would put a rush on the title and lien release request and it would not take longer than 7 days to receive. I conveyed this to the buyer of the vehicle. 

After, the 7 days expired and I had not received the title, I requested to speak to another supervisor, XXXX XXXX. I have several emails from XXXX that confirm her commitment of me receiving the title & lien release within XXXX days and as of XX/XX/XXXX I have not received the title nor the notarized lien release XXXX 
I believe that Truist should immediately deliver me the title and lien release & provide me and the buyer if the car {$2000.00} each for their deliberate terrible customer service that has caused all kinds of problems for me and the buyer. I have emails from Truist that corroborate with my complaint.

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