vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Set up a new Chase account so I could have direct deposit for my first job. 
Opened the account without issues, submitted the direct deposit forms thru my job and received the first deposit for a XX/XX/XXXX pay date in the amount of {$340.00}. Which hit my account as expect, automatic rules moved {$100.00} to my linked Chase savings account leaving {$240.00} in my checking, then transferred {$20.00} to another linked Chase checking account, leaving me with {$220.00} that I left for later use. On XX/XX/XXXX there was another direct deposit for {$280.00} that hit my account but I could not verify the funds as my Chase online app was not working. I visited my local Chase branch and they stated that the checking account was being closed for the reason " We chose to end out relationship '' and a letter as well as the funds in the Checking account were being mailed to my address. The savings account was still open, at which time I withdrew the {$100.00} and closed my savings account. I then watched my mail over the next 3 weeks, now putting us into XXXX. Still noting in the mail. I contacted the XXXX number on the back of the debit card and was told that the checks are in the mail and to wait until the week of XX/XX/XXXX and if I still have not received the check to call back for them to be reissued. On XX/XX/XXXX I contacted Chase via XXXX number and was transferred several times before I reached their 'back-office ' department at which time they told me that the funds from both the XX/XX/XXXX ( {$340.00} ) and the XX/XX/XXXX ( {$280.00} ) direct deposits " could not be verified '' so there are NO funds owed on this account. I stated that this doesn't make sense as I had funds and actually withdrew funds from the Savings account. The representative stated again that those funds could not be verified and nothing is owed to me. 

Next I contacted my employers payroll department " XXXX '' who verified that the XX/XX/XXXX paycheck was indeed direct deposited and not returned but the XX/XX/XXXX paycheck was submitted to Chase for direct deposit and returned. ( This makes sense as the Chase checking account was closed on XX/XX/XXXX ) At this point I'm at a loss on where to go and who to talk to as Chase owes me {$220.00} balance from checking and {$280.00} direct deposit from XX/XX/XXXX paycheck. I feel that I have contacted Chase and dealt with several departments and two visits to a bank branch with no luck. {$500.00} to a teenager is a great deal of money. 

Additionally I have had several poor customer service interactions with Chase and will never deal with them again for the rest of my life. Very poor people skills and lack of urgency when it comes to my money. Blind transfers every time and the statement " funds count not be verified '' and " there are no funds owed '' is very surprising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
Noticed unauthorized inquiries reporting unlawfully according to fcra. File ftc complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received an alert from Experian that a collections account appeared on my credit report. I filed a dispute with Experian on XX/XX/XXXX that the account was not mine. I also contacted the collection agency and provided them with information that the account was not mine. On XX/XX/XXXX I received an update on my dispute from experience that confirmed the account was mine. I immediately called the collection agency and they confirmed with me that they had closed the account as not mine and had notified all three credit reporting agencies on XX/XX/XXXX that the account was to be pulled from my report. I reported to them that experience had closed my dispute after confirming, the account on XX/XX/XXXX with the collection agency. The collection agency confirmed that they did not receive any request to confirm the account from Experian and would not have been able to on XX/XX/XXXX as reported by experience as the account was closed. The information provided by the collection agency was confirmed with the other two credit reporting agencies of XXXX XXXX and XXXX That they had received the information on XX/XX/XXXX from the collection agency. I immediately called Experian and reported this information and was told that it takes XXXX hours to update information. I called back on XX/XX/XXXX and the information had not been updated yet and the item remained confirmed on my credit report. I was told to submit an additional dispute Which I did on XX/XX/XXXX. I have called back XXXX times and have been unable to get any updates on the status of the dispute or an acknowledgment of the information provided by the collection agency.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-16 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: IL

Complaint narrative:
As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.

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 2024-02-16 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: IL

Complaint narrative:
FCRA 605B says accounts reported incorrectly must be taken off credit reports. I'm not exactly sure what's going on, but could you review the accounts in the documents? They're not accurate on my credit report, including their status. This situation has upset me, and I'm not feeling well. Can you help me with this?

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 2024-02-16 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, Venmo informed me that my teens account had been frozen with {$1000.00} in it. They said it was for violating the user agreement. When I asked them for specifics, they replied on XX/XX/scrub>XX/XX/24 that my teen account would be shut down and ( From the email ) : The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo.

Im OK with having the teen account banned, but not keeping the {$1000.00}. 
To hold the funds for 180 days should be illegal if its not, especially given that they wont divulge which part of the lengthy user agreement was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On ( XX/XX/2024 ), I sent a letter to ( PORTFOLIO RECOV ASSOC ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PORTFOLIO RECOV ASSOC ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I am writing to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
Around XXXX XXXX, USAA informed me that a person named XXXX from XXXX, Texas compromised my checking account. Then on or near XXXX XXXX, I received a call from USAA ( shown on caller-ID ). I followed the instructions of what I believed was USAA representative. From XXXX XXXX, this individual was conversing via phone and having me do what I believed as notational transactions in XXXX wallet. I had never used XXXX wallet and was not aware that actual financial transactions were viable. USAA FRAUD DIVISION conducted an investigation and to my knowledge, no loss on either side. Unfortunately on XXXX XXXX, my USAA account was suspended. I called and was informed that in 60 days, my checking and credit cards with USAA will be canceled. 
On or about XXXX XXXX, I called USAA to report what I believed to be a fraudulent act. I requested immediate, change to my debit and credit cards. I feel that I acted as a reasonable prudent person as this issue. I have no recourse and all my 2 payroll checks are being direct deposited in the USAA ACCOUNT. I have no access to my cash nor will any of my bills be drafted from the USAA checking accounts. 
This can cause grave harm to my financial standing and lost of my superior credit rating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MD

Complaint narrative:
I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

Account name : XXXX XXXX Account number : 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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/23 I opened a checking account with Bank of America. I signed up with a {$100.00} promotion that required me to receive {$1000.00} in direct deposits into my account within 90 days. On XX/XX/23 I brought my account to {$1800.00}. I waited 60 days after meeting these requirements and still have not received the bonus. When I contacted BoA they said no bonus offer was attached to my account opening and they would not honor the bonus. I believe this to be in error. Below are the bonus requirements 1 ) Enroll in this offer online by using the Open account link on the offer page or by entering the offer code at the time of account opening.

2 ) Set up and receive Qualifying Direct Deposits of {$1000.00} or more to your new personal checking account within ninety ( 90 ) days of account opening.

Offer is available online only and is limited to new personal checking customers only ; you are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve ( 12 ) months.

A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. 
If you meet all of the requirements, Bank of America will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days.

The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 ( or other appropriate form ) to you that reflects the value of such bonus.

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 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The credit card was opened XX/XX/year>. They used an old address and email address. Disputes have gone to the creditor and credit reporting agencies. This is not my card! I have asked them to freeze my 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 2024-02-16 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> a letter was sent to equifax discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX XXXX XXXX I opened Chase checking and savings accounts in response to a mailer from Chase that stated if I had funds placed into the checking account by direct deposit that within 15 days they would pay me {$300.00}. They have not paid me the {$300.00} and now claim that the promotion was applied to my account on XXXX XXXX, XXXX. Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assured me on XXXX XXXX that I would receive the promotional funds as promised. I have never received those funds. 
After many phone calls to Chase, emails, and calls to XXXX XXXX and his branch manager apparently in an attempt to cover up their mistake, they applied the promotion to my account on XXXX XXXX, XXXX. Doing so extends the time I must wait to receive the promotional funds for my checking and savings accounts. 
XXXX I previously filed a complaint and Chase ignored the fact that my account was opened XXXX XXXX and should have had the promotion applied at that time by XXXX XXXX and after filing a complaint with the CFPB they attempted to cover up their mistake by applying the promotion on XXXX XXXX. This is not right..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. XXXX transunion and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you

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