vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: U.S. BANCORP
State: KY

Complaint narrative:
well, I had a XXXX account on XXXX XXXX 2022 I mobile deposited. my payroll check of XXXX a lady by the name of XXXX XXXX stole it out my car an re cashed it on XXXX XXXX on XXXX XXXX piolet steel is my employer put a fraud case against the check so US Bank took it back out of our account at XXXX this has been going on since XX/XX/XXXX XXXX I had money in my XXXX  account, but they locked it due to that > on the back of my husband 's payroll checked it stated deposit only for XXXX bank a US bank let her walk into XXXX XXXX XXXX Bank, and cash it again.it has messed up my life i couldn't get money out the bank at all they finally closed my account at XXXX. XXXX has done everything for me to help me try to solve it US bank I have spoken to XXXX XXXX numerous times everyone is giving me the run around XXXX my husband 's employer XXXX XXXX has a banker name XXXX that's downtown XXXX. the officer that did my case an XXXX  have spoken to us bank an XXXX assumer about it the owner of XXXX XXXX  no one wants to give our money back. my wife 's number that has been handling this is XXXX we have decided to get a lawyer involved now since US Bank is at fault we almost lost everything we had had to file debt consolidation. please I need all the help i can get.

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 2023-04-26 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: LA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX  XXXX  Account 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  The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
this is a complaint about Target redcard, which is a credit card. 

I have close to {$400.00} balance on my card which I called the customer service trying to get a refund check. I made the request in the last week of XX/XX/2023, they claimed they sent the check, but after a month, I received nothing. And then they said they will reissue me a check, and then I called again following up on the issue on XX/XX/XXXX, and they promised they sent the check that day. But almost another 20 days passed, still received nothing. I kept calling the customer service, trying to ask what's going on with my check, I was told there is no tracking number or check number they can locate to prove they sent the check. But then offered to resend the check for the 3rd time on XX/XX/XXXX. I am beyond frustration, they even asked me to check with USPS blaming them to lose the check. I seriously doubt they have sent me any check at this point, and their customer service contact has no way to escalate this issue beyond the agents I talked to. Please investigate, and help get my money back. thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I initiated a domestic wire transfer on XX/XX/2023. Chase called me on XX/XX/2023 to confirm and approve the wire. The wire still has not been sent out as of XX/XX/2023. I have called them numerous times and I keep getting the same answer. They still have not sent my wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This has began to be a problem. I am in an XXXX XXXX and XXXX XXXX XXXX XXXX, they call me. I was not sure, what type of company they were, and their shady practices are questionable. I thought it was a transportation company. I called back and asked, what kind of company they were. I thought it was my counselor from the Veterans ' Affairs, but it was this company called Transworld. Upon calling back, they refuse to give me any information about their business, but as the have called my number they are asking to give them my personal information. What kind of business calls and asks the person who calls back for personal information, but attempts to put the caller to coerce to obtain information from them without telling them what kind of business they are? I am assuming it is a collection agency- the person on the phone said to me : " If you tell me your name, I can look you up, then I can tell you what this is about ''. Me asking him again and again, what kind of business it is, because I simply would like to know, there are tons of scammers out there, who are attempting to scam XXXX XXXX. It was absolutely unnecessary and rude not to give me their information, as I do not know, who these people are and they call me from different numbers. They are called Transworld, so I have not looked them up yet, I am not sure, why they keep on calling during my work hours, which is me being in school on my phone and refuse to give me their name of their business nature or the nature of their call. I do not have a problem communication over my phone, but I do have a problem, that these people call me and refuse to identify themselves, when I call them back. I was in a meeting today, and they called me again! I am unable to answer the phone during meetings, but they called me up to three times a day. 
This feels like a form of extortion, trying to coerce the caller to give out information. I do not volunteer such information, they have called me to begin with and need to tell me the nature of their business. 
I just want them to stop calling me, as they refuse to tell me who they are and are coercive trying to extract information. Even though I blocked their phone numbers, they find a way around it, to call me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AR

Complaint narrative:
YOUR COMPLAINT To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never 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 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation

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 2023-04-26 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: TX

Complaint narrative:
This complaint is for TRANSUNION. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that I have the right to privacy. 15 U.S.C 1
681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.

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 2023-04-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN clearly has no respect for congress or its laws. In response to complain number XXXX EXPERIAN claims they reached out to the alleged data furnisher and verified inaccurate information on an account labeled XXXX XXXX XXXX on my consumer report. THIS WAS A BLANTANT LIE AND HAS CAUSED ME DAMAGE. I have proof in the attached screenshots that EXPERIAN did not perform a proper reinvestigation of this account because my most recent consumer report shows this account has not been updated since XX/XX/2018. How did you verify? How did you reinvestigate?

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX XXXX  XXXX XXXX XXXXe Due to this hard inquiry, my credit score dropped XXXX  points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase credit card XX/XX/2023 which I thought I was prequalified for at the time of opening a new bank account with Chase. The reason why I thought I was prequalified was because it was given to me as a special offer directly through my bank account app .The credit card application was denied. I received their denial letter, so I call for reconsideration on XX/XX/2023. The lady I spoke to who took the book to from reconsideration department, who took the final decision, told me that she could not qualify me because of past history in there chase files said they were said {$20000.00} credit card was charged up in the pass and resolve through identity theft and she clearly stated that that was the reason why she could not approve me. I also have bankruptcy, but she said she can not overlook the bankruptcy due to the bad history on that credit card even though it was already resolved, and the conversation finished there.on XX/XX/2023 I called them so I can retrieve their file that states the {$20000.00} credit card XXXX  the manager I spoke to said that that car was only charge for {$16000.00} and that no she can not give me those files and she gave me a phone number which ended up nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had problems with the merger of SunTrust and bb & t banks... The bank is truist bank...

Truist bank has giving me such a hard time especially be an up and coming new small business...

Truist made it difficult for me to open an account stating it was verifying my address... Which is the address on my state id. the address I'm registered to live at as a felon in the state of Florida...

Then I was pre approved for a line of credit and loans which I completed application for through the mobile banking ... Then I go into the branch to get everything settled and they say I was denied and gave me no reason to why ... Then I go through and start my business anyway and during the scouting for positions in my small business I used surepay payroll a service provided by contract with truist... They made about 6 direct deposits for my payroll but then the last one they said they don't wan na provide payroll for my company and they won't tell me why...

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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I made a check to my logistics company with amount {$54000.00}, and then they cashed it on XXXX. But on XX/XX/XXXX, this check was cashed again, it was someone I don't even know. 
I found this fraud at XX/XX/XXXX afternoon, which was Sunday. So I called to my bank immediately, they told me I have to contact my branch manager. And I did, but he was not able to respond my call or message. And I reported this case to local police the next Monday XX/XX/XXXX. 
This forgery check has exact the same check number and amount, but the bank still let it cashed. And the bank asked me to reach my branch manager when I found this fraud, but the branch manager was not respond me at the time. So I do believe bank should be responsible for this fraud. 
When I requested the bank to reimburse the fraud amount, they refused and told me it was not their fault, they don't take responsibility for that. 
My bank is East West Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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