vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, I XXXX XXXX entered Into a consumer credit transaction XX/XX/, Chase Bank which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692XXXX, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
on XX/XX/XXXX, I notice my card wasn't working when trying to make a transaction. I called customer service and found out my credit card account was under review and needed to be transfer to another department for customer authentication, after being verified I was told that my account was closed down because it appeared that I was using the credit card for business which is 100 % NOT true at all. The card has always been used for personal use and I have supporting documents that supports what I am stating. 

I received a Text to my working number on XX/XX/XXXX about a {$620.00} at XXXX that was charged. I replied that it was Valid and made a call to verify that it was me. I don't understand why my account was closed down. I've been a valued customer of your bank for many years and make All my payments on time. 

I also have Business line of credit, Equipment loans and checking accounts with US Bank. I am willing to work with US Bank to find a solution and get my account reinstated. I have also removed my Authorized Users that were family members if that was the problem and risk.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
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 explanation
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I placed a credit freeze with each of the three national bureaus. Each of the bureaus required me to create an account with them to implement the freeze. At that time, I unchecked any boxes that would have allowed the bureaus to send me marketing communications or offers. Since that time, Experian has been sending me unwanted marketing communications and offers unrelated to implementing the credit freeze. 

For example, on XX/XX/XXXX, Experian sent me an email entitled " Instantly increase your FICO Score ( yep, you read that right! ). '' This is clearly an ad for Experian 's Boost product offering. However, Experian maintains that I can not opt-out of this communication because it is " related to my account ''. The footer of the email reads " This email was sent because it contains important information about your account.... you will continue to receive email notifications regarding your account. '' Again, on XX/XX/XXXX, Experian sent me an email directing me to " See your latest Experian credit report, FICO Score and other updates '' ( I have to assume, at an additional cost ). Similarly to the XX/XX/XXXX ad, the footer of the email reads : " Why am I receiving this email? This is not a marketing email - you're receiving this message to notify you of a recent change to your account.... You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but you'll continue to receive notifications like this one on the status of your account. '' Contrary to the representations within the email footer, the purpose of the email is clearly to entice me to purchase another product from Experian. The email is unrelated to my credit freeze and addresses no change affecting my credit freeze. 

Consumers should be able to implement a credit freeze without receiving daily emails from Experian advertising other Experian products. There appears to be no way of stopping these emails, other than to delete my Experian account. Even if this was possible, I would then have no control over my credit freeze.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone stole a check that I wrote and altered the payee and the amount. He/She either cashed it or deposited it into his/her Bank of America account XXXX Even though the check has very obviously and clearly been altered, Bank of America cashed it. My bank is trying to get the original check and funds back from Bank of America. It has been 6 months and this case hasn't been resolved.

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 2023-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX is being reported incorrectly and I have also tried to fix this to XXXX XXXX of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXX which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove 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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I opened my account with PNC Bank on XX/XX/XXXX for my small business. I made a deposit on the day I opened it and everything was fine. I received a call on XX/XX/XXXX from the branch manager stating that there was a problem with my account because they could not verify my address. I provided them with a copy of financial statements and government issured identification showing my address but they did refused to accept that my address was valid. My account remained open and they said they I had to close it. I did not want to close my account and told them if they wanted the account closed, they were going to have to close it as we already signed the banking agreement. 

I made deposits on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which were accepted by PNC Bank. I also made payments to vendors on XX/XX/XXXX and XX/XX/XXXX which were paid through online Bill Pay through PNC Bank which they processed. 

On XX/XX/XXXX a hold was placed on my account and all of my funds were made unavailable. I reached out to the PNC Bank on XX/XX/XXXX and XX/XX/XXXX and was told they put a hold on my account and would not process any transactions going forward unless I provided a signed copy of my lease showing my physical address. Which I believe is an over-reach. My business is registered with the Arizona Corporation Commision. All my documents filed with them list the same address which is listed on my PNC Account. I have provided a copy of my State Issued Travel ID Approved drivers license which also lists the same address as the one listed on my PNC Bank Account. I have sufficiently provided proof or residency required by their banking guidelines. They are clearly discriminating against me based on their own frivilous notions. 

No notice was mailed to me indicating they were going to place a hold on my account. No call was made indicating at my funds were going to be held. 
No email was received indicating my funds/account were going to be suspended. 

PNC Bank has caused an unwarranted interruption to my business because of an ignorant belief that my address is not valid. 

I was told by PNC Bank that they would release my funds if I close my account. I do not want to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ollo/ALLY has not reported any information re my credit card since XX/XX/XXXX I called Ollo and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is Ollo/ALLY reported account closed with XXXX balance. Ollo insists they did not report this, however Ollo still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding XXXX minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and Ollo claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Today, XXXX. XXXX, 2023, I received a text message stating that my credit account was limited due to unusual activity. I have been on vacation and have used my card a lot, so I believed that this was legitimate. The message provided a link to a website, which asked for private information, such as mothers maiden name, Social Security #, which I provided. 
After this, I called the bank to explain what had happened. The fraud department was able to cancel and replace my cards and refer me to this Gov. website.

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 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
CFPB NEVER INVESTIGATED THE SUBSTANTIATED DOCUMENTS AND INFORMATION I PROVIDED THE FIRST TIME! 

CFPB REPORTED I SUBMITTED THE SAME CLAIM. IF THAT IS SO, Why Didnt I get Specific answers to questions and accusations I posed. 

I dont believe CFPB Never investigated the Verifiable information I handed in. NOR DID I RECEIVE THE SPECIFIC ANSWERS TO WHAT BACKUP CONTACTS, DOCUMENTS, AND DID NOT CONTACT THE MANAGERS NAMES, with PHONE NUMBERS I PROVIDED THEM WITH. 

-CFPB NEVER PROVIDED ME WITH ANY SPECIFIC AND DIRECT FEEDBACK TO THE QUESTIONABLE BUSINESS PRACTICES OF FAY SERVICING. I EVEN HIGHLIGHTED THE DOCUMENTS FAY SENT ME WITH CONTRADICTIONS THAT WERE MADE WITHIN DIFFERENT DEPARTMENTS OF FAY. 

-FAY SERVICING HAS BEEN INVESTIGATED AND FINED FOR MANY OF THE SAME REASONS I PROVIDED WRITTEN DOCUMENTED PROOF OFF. 

-I BELIEVE CFPB IS A PAPER TIGER AT BEST THEY APPEAR TO WANT TO ONLY BIG CASES THAT THEY CAN PUBLISH AND RECEIVE ACCOLADES FOR! 

I BELIEVE THESE INSTITUTIONS ARE AWARE THAT THERE IS NO REAL RECOURSE OR CONSEQUENCES TO THEM. 

THEREFORE THEY CONTINUE WITH THE SAME PRACTICESWHY? BECAUSE THEY KNOW THEY CAN WITHOUT SIGNIFICANT CONSEQUENCES ( WHY WOULD THEY CHANGE, THEY CAN MAKE MORE THEN THEY CAN LOSE USING THE SAME TACTICS AS WHEN THEY WERE FINED WITH NO SIGNIFICANT RECOURSE. 

THE FINANCIAL INSTITUTIONS THAT USE FAY ARE AWARE OF FAYS DUBIOUS BUSINESS PRACTICES. THESE FINANCIAL INSTITUTIONS GET THEIR NEGATIVE REPUTATIONS AS THEY TURN THEIR HEADS AND -MINIMIZE THE TRUE HARM AND DAMAGE THEY ARE PROMOTING BY HIRING FAY SERVICING. THEY KNOW, BELIEVE ME THEY ALL KNOW WHAT IS REALLY GOING ON AND DO NOTHING TO STOP IT WHY SHOULD THEYTHE FINANCIAL INSTITUTIONS KEEP MAKING MORE PROFITS THEN EVER BEFORE. THEY FACE LITTLE OR NO CONSEQUENCES FOR THEIR ACTION CFPB IN ESSENCE IS HELPING THESE MORALLY BANKRUPT FINANCIAL INSTITUTIONS BY NOT INVESTIGATING THE SMALL AVERAGE JOES COMPLAINTS. 
-AND AND -THE FINANCIAL INSTITUTIONS KNOWS THIS. THEY USE CFPB AS A SUPPORTIVE ORGANIZATION FOR THE QUESTIONABLE PRACTICES THEY USE. 
-MUCH APPRECIATION TO CFPB FOR PRETENDING TO PROTECT THE PUBLIC -IN ESSENCE CFPB IS COMPLICIT FOR APPEARING TO HELP US THE LITTLE GUY, YET ARE NOT WILLING TO MAKE THE HARD AND TOUGH DECISIONS NEEDED! 

Is CFPB AFRAID OF REPERCUSSIONS FROM THESE INSTITUTIONS. 

XXXX BELIEVE THEY ARE SCARED STIFF OF THEM! 

-CFPB THE PAPER TIGER WITH NO BACKBONE! GOOD RIDDANCE TO THEM AND THOSE THAT PRETEND THEY ARE HELPING THE COMMON AMERICAN ( The Little Guy and Average XXXX  -Regardless that CFPB IS UNLIKELY TO PRINT NEGATIVE COMMENTS ABOUT THEMSELVES IF NOT ME WHO You can RUN CFPB, FAY , and THE BANKS -BUT YOU CANT HIDE

Company response to consumer: Closed with explanation