vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX I competed in an amateur boxing event with XXXX XXXX called XXXX XXXX XXXX. I won a {$500.00} check for 3rd place in the ring girl contest. The written amount on my check was different than the dollar amount due to a printing error at the event. The check was supposed to be for {$500.00} and the written amount confirmed that, however the dollar amount was {$2500.00}. I deposited the check for {$500.00} and not {$2500.00} via mobile deposit on XX/XX/XXXX. On Monday XX/XX/XXXX, I called chase to ask when my funds would be available and I learned that my account was restricted because they could not verify the amount with the issuer due to the phone number not being verified for the company. I sat in limbo trying to figure out how to fix this situation. I was finally able to obtain a number for the president oXXXX XXXX XXXX  to link him to the company. Chase called and verified the check on XX/XX/XXXX. However, by XX/XX/XXXX I was still unable to use my debit card or have access to any of my money in my account. I called chase again and they informed me that they lifted the restriction from my account and to give it 1 hour for it to update. I waited an additional 3 days and there was still no change to my account. By this time I had reached the total allotted time allowed for a restricted account and chase closed my account even though the check was verified and paid out by the issuing bank. 10 days after XX/XX/XXXX Chase was supposed to cut me a check for the remaining money that was left in my account, as of XX/XX/XXXX I still have no received a check. I called chase once again and they told me that the money is being held and I have to go to a branch and bring to forms of identification. This is unacceptable because I was previously hung up on by a manager because I was angry that I wasnt able to go to chase to get my money and that I had to wait for a check. Now there is no check and chase is trying to keep my funds. This bank should be disbarred from managing anyones funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i received incorrect and defective item from a merchant and the merchant is unwilling to resolve the issue and paypal is of no help either

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 2023-09-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I went to TD Bank and made a cash deposit through the ATM of {$1800.00} into my checking account. The ATM kept my card, gave me a receipt for a deposit of {$.00}, and then was showing error messages and restarting. This was on Monday XX/XX/XXXX. I called on Tuesday XX/XX/XXXX and they told me I needed to come into the branch to file a claim. I went in on Wednesday XX/XX/XXXX to do that. I have not heard anything and its been 10 days that they have kept my money and have not done anything. On Tuesday XX/XX/XXXX I called and they said they would follow up with the back office and get back to me, but they never called me back. Today I called again and they said the claim was closed for some reason and they would follow up but that there was nothing else they could do and that the back office has to get back to them. Crazy that they can just hold my money and have no process of reconciling it. This was TD Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: ND

Complaint narrative:
Told them to quit calling, dont listen, call from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-09-14 00:00:00
Product: Credit reporting 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:
This is not mine 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 2023-09-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Advance America, Cash Advance Centers XXXX XXXX XXXX XXXX On XX/XX/XXXX, 2023they experience temporary systems outage affecting their cooperate network. Became aware of the incident and immediately launched a investigation. Third- party cyber security experts further investigate what happened and determine that an unauthorized actor accessed or acquire certain business record on the company network. They also reported to law enforcement. I XXXX XXXX Also file a police report on this issue XXXX XXXX when I became Aware of this information. The business discover the review show the individuals whose information was contained in the record review and determine my information was included in the records includes my social security and drivers license or state ID number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2023, BOA ran a hard inquiry on my personal credit report with XXXX. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not mine 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of XXXX XXXX  identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft.

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: NY

Complaint narrative:
XX/XX/2023, XXXX from this establishment told me i have been approved for XXXXXXXX XXXX  down. I provided my application XX/XX/2023. Today XX/XX/2023 this same establishment called me multiple times, after i have enrolled in the DO NOT CALL database. XXXX XXXX the XXXX tells me i must put XXXXXXXX XXXX  down and insists that the bank requires this, which is false. His calls are recorded and he violated my rights according to the CFPB FTC & multiple USC codes. This establishment ran my credit over 3-4 times and still denied me to push forward with my application due to tactics of a bigger down payment. Fully discouraged me from pursuing my right as a consumer and receive my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
Friday XX/XX/2023. I received 5 calls to my job and a voicemail all within 20 min time frame ( they know I cant have personal calls at my job and had asked them not to contact me there before ) from Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX to let me know my account was 6 DAYS past due after they had called my cellphone 3 times and left me a voicemail to also return their call because my account was past due 6 days. I understand if my account wouldve been 30 to 60 days past due but I was literally only six days past due and they contacted me multiple times within one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I transfer {$1500.00} from my ally account to my external account XXXXXXXX XXXX. Then I received an email from XXXX XXXX that Ally filed a transfer dispute on my behalf without my knowledge and caused my XXXX account to be closed. I asked Ally bank the reason for doing that without informing me about the dispute. Ally bank said that its their responsibility to cover the funds since my account was overdraft last XX/XX/XXXX. As far as I know, they can only cancel the funds transfer if the account holder made an error but in my case, i did not made an error because I already got the transfer to 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A discrepancy between the promised and actual reward for a credit card application. I applied for and received a Prime Visa credit card from Chase. According to the advertisement at the time of my application, I was supposed to receive a {$200.00} gift card, not the {$50.00} one I eventually received. 

Here are the detailed events : On XX/XX/XXXX, I saw an advertisement on Chase 's website regarding the application for an Amazon co-branded card. For the standard Amazon Visa, the gift card reward was {$50.00}. However, Amazon Prime members could apply for the Prime Visa with a gift card reward of {$200.00}. ( Unfortunately, I did not take a screenshot at that time, but even now, the Chase website shows a {$100.00} gift card for Prime Visa, higher than the standard Amazon Visa 's {$50.00}, as seen in XXXX ' ). Consequently, I subscribed and paid for Amazon Prime membership ( proof in XXXX ' ) .After this, I proceeded to apply for the Prime Visa XXXX XXXX XXXX XXXX, the sole application channel for this card. Even if one clicks on the application link on Chase 's site, it redirects to Amazon. I ensured during the application that I was indeed applying for the Prime Visa with a {$200.00} gift card reward. 

Shortly after, I received an email stating that I was approved for the standard Amazon Visa card with a {$50.00} gift card. I immediately found this unacceptable and called Chase. I informed them I had applied for the Prime Visa, hence should get the {$200.00} gift card. The representative mentioned they only received data for the standard Amazon Visa from Amazon. I explained that as a Prime member, I should be entitled to the Prime Visa, and expressed my intention to cancel the card and reapply. The card was subsequently canceled. However, when I attempted to reapply the next day, the website indicated I already held such a card. I contacted Chase, and they confirmed the card was canceled. They weren't sure why I couldn't reapply, but offered to issue a Prime Visa card directly over the phone, which I accepted. I believed that this should come with the Prime Visa 's welcome reward. Yet, to this day, I haven't received the reward I'm entitled to. I raised this issue with Chase, but they have refused to provide me with the {$150.00} difference in the gift card reward ( refer to XXXX ' ). From both the standpoint that I should have initially received the Chase Prime card and the perspective of being directly issued the Prime card after my phone complaint, I should get the matching reward for the Prime card : a {$200.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist is in violation of the Expedited Funds Availability Act. In XXXX of 2022 I was told that a check that was deposited was not honored and my account was going to be closed as a result. Since then, Truist has continued to send me statements reflecting a positive balance in the account that was supposed to be closed. I called Customer service on several occasions to find out why I was receiving statements that reflect the check was honored. Truist refuse to release my funds and the only solution offered was them telling me to ignore the statements and that they would try to stop the statements from coming. 
Truist refuse to close the account attached to my name and it's been over a year and Truist still won't release my funds by closing the account. They are trying to keep my funds. Truist has provided no valid information as to their reasoning to extend holding my funds for over a year. A positive balance reflects the check being honored.

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 2023-09-14 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: GA

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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief