vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received an email stating a new notice was posted to my account. I go into my account to see my account was over drawn XXXX I called the branch location number near me which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was unable to reach anyone at the physical branch and ended up getting a call center representative, after being placed on hold several times being told incorrect to little information, I decided to leave my job and step into the branch ( located above ) and spoke with XXXX. XXXX then calls to get more information regarding the negative balance and told me it was a check. Me being distraught and confused I asked her to explain more, she told me she would go get her branch XXXX XXXX XXXX. XXXX XXXX steps in with no XXXX, and explained to me it was a check deposited and withdrawn. She then proceeded to ask me if I ever cashed the check and received money. I explained to her Ive NEVER cashed or received a check. I then tell her to check every camera and full proof that I never chased a check. She explained to me that she would do some research and call me back that same day. I missed her call which was after 5 and called her back several times the next day. Finally after the first conversation of that next day we talk a second time, XXXX explains to me that chase in Layman terms, is holding me responsible, that it is my responsibility to replace stolen cards ( which I did replace ) and to keep my pin safe ( Which I always have ) I was then pushed off to a claims department where no one was able to assist me, I was transferred 5 times having to explain that the signature used, wasnt mine, the check issued, I had no knowledge of, also having to explain there is NO documentation of a check being deposited into my account. I lost my card in XXXX and replaced it IN XXXX. The check was cashed using a debit card ( I cancelled ) in XXXX which was when the check was deposited and cashed. Chase has stated they will not be doing anything regarding this matter and before pushing me off also didnt fail to make me feel like all of this, is my fault. I have not been able to get anywhere with this matter and lost all of my money in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FIRSTBANK
State: CO

Complaint narrative:
I was charged a low account balance charge of {$12.00} on three occassions for having under XXXX XXXXXXXX in my account. I was not notified of the low balance charge or warned about the low balance. If I was notified I would have corrected the issue the first time. Upon complaining to XXXXFirstBank they refunded one of the three, upon escalation they refunded a second one. But have not refunded the third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I emailed the management team with no response according to Texas law 91.006 Ending a lease early they continue to owe the landlord rent under the lease. They stop owing rent once the lease ends or a new tenant is found. I moved out XX/XX/2023 and a new tenant moved in sometime in XXXX. Because I received a XXXX  notification on XX/XX/XXXX and also a phone call from the leasing agent to retrieve the code for the new tenant. I contacted the office to have this matter resolved before collections was done but received no response.

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 2024-08-16 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: FL

Complaint narrative:
I have became a victim of the Equifax Data Breach. Recently I have become a victim of identity theft which may have been a result of the data breach. I have tried to get Equifax to remove a fraudulent account several times. I have been XXXX  several times throughout the last few years with XXXX, XXXX, and XXXX. A collection agency that I have never dont business with have reported information on my credit report. I have also reached out to the company directly to remove this information from my credit report. I even reached out to the original creditor to try to resolve this matter. This account was opened in Texas for a utility account. I have lived in Florida my entire life. I have attached a copy of the letter that I sent to Equifax to dispute this account which also contains many inconsistencies ( inaccurate and unverifiable information ) which I have also included the credit report printout. I have also included my drivers license and social security card for identity verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NV

Complaint narrative:
in according with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
XXXX  section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.

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 2024-08-16 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: NV

Complaint narrative:
in according with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
XXXX section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early XX/XX/2024, I saw an advertised offer from Bank of America and Merrill to open and fund a Bank of America checking account and Merrill investing account in order to receive a {$3000.00} bonus.

I was induced into opening a Bank of America checking a

ccount, into opening a Merrill investing account, and transferring my brokerage assets ( over {$600000.00} ) to Merrill due to this advertised incentive to receive the {$3000.00} bonus.

1. I submitted my information into the online form.

2. I was connected to a Merrill advisor who called me, as the terms indicated I would be.

3. I stated that I submitted my information because I saw the incentive advertised and wanted to take up the offer.

4. I was assisted in opening up a Merrill account and transferring over my brokerage assets into the Merrill account, and I opened and funded a Bank of America checking account. 
I followed and met the required actions in the advertised offer terms to a tee.

After many months of calling and emailing Merrill to confirm that I would indeed be receiving the advertised bonus, Merrill is now stating that the Merrill advisor that called me needed to be a specific type of advisor from a different department ( a " M
errill Lynch Wealth Management Advisor or Wealth Management Banking Specialist '' ). This is contrary to the terms stated in the advertised offer, and if Merrill should've had a different type of advisor contact me then it is clearly a Merrill internal process issue.

Attached are : - A saved printout of the advertised offer.

- An email that I sent to Merrill advisors on XX/XX/2024, after many months of my calling and emailing for a resolution to the issue. The email contains a detailed timeline of events. 
- An email that contains the response from Merrill to my XX/XX/XXXX letter stating a new condition they were adding in order to not honor their advertised offer, and my subsequent response pointing out their error and requesting a just resolution.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: CT

Complaint narrative:
I had an accident and my insurance company XXXX XXXX XXXX XXXX ) sent me a check for the damages so I can repair my vehicle. On XX/XX/year> I went at XXXX on XXXX XXXX in XXXX, CT so I can cash out a check {$1200.00}. The reference of the receipt # XXXX. However Certegy did not authorize XXXX to cash out the check. So I asked Certegy for my consumer disclosure report and they sent me a copy. But when I looked, I didnt see anything that would prevent me from cashing out the check. So I called the customer support certegy who provided me the consumer disclosure to explain why they didnt allow me to cash out the check. The customer support said that there is no anything negative on my consumer disclosure report that I can try at a different location. 
I went at a different XXXX located in XXXX, CT to out a check {$480.00} and reference number # XXXX. Certegy did not authorize XXXX to Cash out too. 
1-I am wondering why Certegy didnt authorize to cash out the checks? 
2-I did not see any negative on the disclosure report and the customer support I spoke with said that I can cash at a different location but Why Certegy has rules but chose not to apply the same way for everyone? 
I have attached the receipts from XXXX and a consumer disclosure copy.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Dispute of Incorrect Personal Information on Credit Reports Dear CFPB Representative, I am writing to formally request your assistance in correcting inaccurate personal information on my credit reports provided by XXXX, XXXX, and TransUnion. I have reviewed my credit reports and found several errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below is a detailed list of the inaccuracies that I have identified : XXXX XXXX XXXX  List of Errors : 1. **Incorrect Names : ** - Reported : " XXXX XXXX XXXX XXXX - Correct : My name should only appear as " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' I AM NOT KNOWN AS ANYTHING ELSE BUT THESE NAMES PLEASE REMOVE Also known as ( XXXX, XXXX XXXX, XXXX ) 1. **Incorrect Employment Information : ** - Reported : " XXXX XXXX XXXX, '' " XXXX '' - Correct : I am currently employed only at " XXXX XXXX XXXX XXXX '' Any other employment information is incorrect. 
XXXX. **Incorrect Addresses : ** - Reported : " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX '' - Correct : My correct address is " XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX There should be no other addresses listed on my credit reports. 

XXXX XXXX XXXX  Applicable Laws : - **15 U.S.C. 1681c ( a ) ( 5 ) : ** No consumer reporting agency may report any incorrect or outdated information on a consumer 's credit report, including incorrect personal information such as names, addresses, and employment details. 
- **15 U.S.C. 1681i ( a ) : ** This section mandates that credit reporting agencies must promptly investigate any disputes regarding inaccurate information and correct or delete any data that is found to be incorrect. 
- **15 U.S.C. 6802 : ** This law states that financial institutions must protect the privacy of personal information and can not share this information with third parties without the consumer 's explicit consent. 

I request that you initiate an immediate investigation into these inaccuracies and ensure that the correct information is reflected on my credit reports across all three bureaus. I am providing this information in compliance with the FCRA and ask for your assistance in ensuring my rights are protected. 

Please provide written confirmation of the corrections made to my credit reports once the investigation is complete. I expect these errors to be resolved promptly, as they have a significant impact on my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary corrections. 

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 2024-08-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-16 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-19 00:00:00
Product: Credit reporting 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: Ascendium Education Group
State: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 700 CREDIT/HUDSON CHRY 01/20/2024 Experian HUDSON CHRYS 01/20/2024 TransUnion WFBNA AUTO 01/20/2024 TransUnion BRCLYSBANKDE 01/10/2024 TransUnion 700 CREDIT/HUDSON CHRY 01/01/2024 Experian HUDSON CHRYS 01/01/2024 TransUnion HUDSON CHRYS 11/11/2023 TransUnion 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
When paying my Apple Card ( provided by Goldman Sachs via XXXX Bank ), I use the App provided by Apple Card. The App tells you EXACTLY how much needs to be paid by XXXX PM by the last day of the month to avoid interest. On XX/XX/XXXX. 2024 I paid my account balance IN FULL in the amount XXXX, EXACTLY as instructed by the App. Despite paying exactly what the App stated need to be paid, I was charged interest on XX/XX/XXXX. 2024 in the amount of {$70.00}. This is PREDATORY lending and dishonest/misleading information being intentionally provided by the App.

Company response to consumer: Closed with monetary relief