vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TN

Complaint narrative:
on XX/XX/XXXX i try to open a business account, and i was turn down by the bank because, on XXXX us bank report information about a negative account activity to consumer reporting agencies ( CRA ) but i believe and have evidence to prove this information is inaccurate. and i try several times to solve this misunderstanding on the past. every time i receive a note on the mail i will call the number provide to my on the note but no one ever call me or my husband back. i went to the branch where we open the account try to speak to the manager but was turn away, at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX this was a clerical error. 
i had to pay rent and i needed to make a deposit. i ask for a cashier 's check it was late in the day the lady at the front desk told me to avoid NFS she would do some tricky banking movements i dint really understand but she said this would work, several days later i was alerted by overdraft charges i file a dispute and deal with it to my understanding i close my account on XX/XX/XXXX and was told no further actions were required. 

but here i am trying to open a business account and unable to do so.

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 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc.
State: MD

Complaint narrative:
I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
P.O.C - Multiple Chase Bank members involved. 
Main contact - Bank Manager - XXXX XXXX ( XXXX, WA ) ================== In XX/XX/XXXX, I booked this flight through XXXX. At this time the covid pandemic had hit globally and a lot of countries were placing travel bans including my origin country ( USA ) and destination ( XXXX ). I did not take this flight and like many airlines, XXXX  offered travel vouchers in case of flight cancellations. This flight was booked with 12k miles and {$1000.00}. XXXX offered a voucher for {$1000.00} with the condition to use it within 24 months and if unused they would refund the amount back to the original form of payment used to book the flight. Fast forward to XXXX as the covid cases were on rising, I did not use this voucher for our travel needs anywhere globally. XXXX now refunded this amount of {$1000.00} in XX/XX/XXXX. I had booked this flight using a Chase credit card in XXXX but by XXXX this card/account was closed. Hence, XXXX 's refund was never received back to the credit card or given to me. Since XXXX, I have been trying to follow up with Visa, Chase, and XXXX. After endless customer care calls, filling complaints, visiting branches, and follow-up letters I have not been able to get a resolution from Chase. As per XXXX, they made a refund on XX/XX/XXXX. The transaction number is in the attached emails. Chase responded that they sent the funds back but they fail to provide a transaction number which I can show to XXXX. XXXX has shown their transaction was successful. Please assist in retrieving our money from Chase. It has been 2 years since the flight and almost 10 months since the cancellation refund. Thank you. 

====

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have a Barclay 's XXXX and XXXX Credit Card. Payment is due on the XXXX of the month. I paid the card on XX/XX/XXXX and received confirmation of the payment on the XXXX. Yesterday, I received notice that payment was past due. Rechecked online account access. Payment on XX/XX/XXXX reflected. Today, I received notice that payment was made on XX/XX/XXXX and was late. This is the second time. The first time the company agent said the late fee would be refunded ; it never was.

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 2022-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
to whom it may concern, i previously submitted a complaint directly with PHH mortgage so far no one has responded instead they still when ahead a placed an auction on my property. They know my loan is a bad loan I've been attempting to make payment towards my past due and so far nothing has worked. Each time i submit an application its a direct denial. That just tells me that no one is taking into consideration my file. I deserve a fair review and the opportunity to keep my house. I also demand for the auction to be postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
My Unemployment benefits from Massachusetts in 2021 were frozen on my Bank of America debit. I have been trying to over a year to unfreeze my bank card and have had no such luck. Unemployment department tried to help, however the bank continued to put blame on Unemployment for the issue. I believe I am a victim of the Bank of America Debit Card Fraud Class Action.

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 2022-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I am behind a month on my loan and I spoke to the loan company about making a payment on XX/XX/2022 for {$100.00} but I wasn't able to do so. I believe in paying my bills on time and I have already had a loan with this same company and paid it off. Due to extremely hard times as a single parent during inflation I have fallen behind on all of my bills which really has me stressed out. This is causing issues with my health and I have been to my doctor for XXXX XXXX XXXX XXXX XXXX that I am working on controlling. I received a call from a neighbor asking me about two women knocking on her door and asking if she knew me. She said they left a letter for me with her and I could not figure out who this could be or why they would knock on this woman door asking about me. When I returned home I got the letter from my mailbox due to my neighbor had to leave for work and asked what she should do with it. When I opened the letter and read it, I was heartbroken and stunned that this information was left with my neighbor. I was really embarrassed and sympathetic at the same time that my neighbor had to be awakened by someone knocking on her door asking about me and my personal business. I called and spoke to the branch manager XXXX XXXX XXXX and she confirmed yes they came to my house and yes the left the letter with the neighbor due to knocking on her door by mistake. This is dangerous on their part due to the things that are currently going on and disgraceful due to the total loan they are looking to collect on is less than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP SEARS has reported invalidated information to the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) I am requesting HP SEARS to produce copies of your 1096 tax form, your 1099-OID, your INC and your PRC in reference to the account listed above. I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Every time that I dispute this item with the credit bureaus, XXXX XXXX makes updates to my accounts resulting in a credit score drop of XXXX points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my Equifax score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I received a notice from BCA Financial Services , Inc. advising I owed a debt in the amount of {$56.00} due to an unpaid bill with XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I reviewed my records and found that in the year XXXX I only received two invoices from XXXX XXXX XXXX XXXX for the amount of {$56.00}, and both of those invoices were paid. At that time I wrote a letter to BCA Financial Services , Inc. formally disputing the debt and providing them with copies of all invoices I had received, the cashed checks showing the debt was paid, and demanding they investigate the debt to verify that it was actually owed. I sent this letter to them via Certified Mail, and confirmed delivery. I also sent a copy to XXXX XXXX XXXX XXXX. Upon doing this, it is my understanding they are legally prohibited from trying to collect this debt until they furnish proof that it is owed. 

In XX/XX/XXXX I spoke to BCA Financial Services , Inc. on the telephone and they advised me they were will researching if the debt in the amount of {$56.00} was owed.

I never received a formal response from them providing they verified this debt was owed.

Today, I received another letter in the mail from BCA Financial Services , Inc. citing that same debt of {$56.00}. It is a violation of my rights for them to try and collect on a debt I have formally disputed without furnishing proof it is owed.

Attached please find copies of all correspondence from BCA Financial Services, to BCA Financial Services, and copies of medical invoices and cashed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: CT

Complaint narrative:
I owed a bill to XXXXXXXX XXXX XXXX  and the bill was {$6100.00}, I paid off {$3000.00} so the remaining should be XXXX. I couldnt pay it because Im a working student I had to take a gap semester and work in order to pay the rest. So why was I charged for fees that came out to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Relevant Information Provided for Complaint Resolution Purposes ( Only ) : My Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 of My SSN : XXXX Truist Bank Checking Account No. : XXXX XXXX XXXX XXXX XXXX. : XXXX ATM Information : XXXX, NC ATM Location : XXXX XXXX XXXX, XXXX, NC XXXX Name of the ATM/Bank at the time of ATM Deposit : BB & T Bank To Whom It May Concern : My Complaint relating to ATM Check Deposit of my XXXX XXXX  Insurance Settlement from a house fire I had. The check is still pending in my account that yet was deposited over two years ago on XX/XX/XXXX. I didnt know the check required two signatures and the bank will not send the check back to quicken loans and quicken loans will not sign the Truist Bank document necessary to have the funds released by Truist . Please help. My home kitchen is still in disrepair and this has gone too far for too long. I need the funds badly. The Amount of XXXX XXXX house fire insurance proceeds check I deposited at BB & T ATM on XX/XX/XXXX was {$7500.00}. The Check Amount Still Pending deposit in my Truist Bank Account to this date is {$7500.00}. The date of the ATM check deposit transaction was XX/XX/XXXX. The main issues is that only my signature was on the check when I made the ATM deposit of the check. I dont recall the time of the transaction. I used my BB & T ATM Card to begin the ATM check deposit transaction. I have complained to both the bank and quicken loans numerous times but there has been no resolution as neither party will do much to engage the other party. I am due two years of interest on my funds. I am not getting an attorney involved. Truist Bank Wont Release my funds without the second Signature. I am owed interest at this point too. These insurance check proceeds have been a pending deposit in my checking account for over two years now. 

XXXX XXXX XXXX Contact Phone # ( Mobile ) : XXXX XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, 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 2022-08-18 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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.

The following Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX XXXXDebt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector XXXX XXXX XXXX XXXX XXXX  -collection amount {$2600.00}

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 2022-08-18 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Names 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 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 2022-08-19 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: TX

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19 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: TX

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX I attempted to get my free credit report from TransUnion. After several attempts, all they would show me is a list of my past addresses and a list of my credit card accounts. They then asked, do you want to see your credit score? With a tab that would force me to join their service to see my score. I understood we were supposed to be able to access a free report from the 3 credit institutions.

Its a total ripoff.

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