vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX attempted to wire internationally {$350000.00} from my checking account. Company to receive funds was identified by Chase as fraudulent/scam and cancelled wire on XX/XX/XXXX. Immediately after my acct was locked, and 15 days later all {$380000.00} within account was confiscated. After several attempts using contact number ( XXXX ) provided by Chase in letter dated XX/XX/XXXX and getting no information, for several weeks I asked branch representative and manager to attempt contacting Chase corp. to get information about my situation but they too were totally unsuccessful. Three months in I was able to get a case number and at the time saying the 'cause " for the freezing and confiscation of funds being a wire from XXXX XXXX XXXX, which is used by XXXX XXXX. However, it wasn't till four months later on XX/XX/XXXX and having again a mostly unproductive call did the Chase rep provide another number ( XXXX ) to contact Chase 's Executive Office. When this number was called on same day ( XX/XX/XXXX ) they took my name and some initial info regarding my situation. Later that day I received a call from the assigned " investigator '' XXXX ( ext. XXXX ) and gave her more information. Was given a new investigation number ( XXXX ). Four days later on XX/XX/XXXX my call with her provided very little new information and said needed another week before MAYBE having any new information. As of last call with XXXX, all I've been provided by Chase is my account was frozen and funds confiscated due to XXXX XXXX XXXX being wire recipient and identified as fraudulent/scam but no reason why ME as the VICTIM my money was confiscated nor when I'd get it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX  CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation
State: MO

Complaint narrative:
REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX  CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: WA

Complaint narrative:
I had damages to my home and received insurance claim money which I then submitted to the mortgage company ( Loancare LLC ). In XXXXXXXX XXXX XXXXXXXX I received a final home inspection which confirmed 100 % of the work was completed. The mortgage company failed to pay remaining funds. I then had to take over {$20000.00} out of my own savings to pay the contractor as they were threatening to file a lien on my home. I submitted paid in full receipt on XXXX  XX/XX/XXXX. I still have not been paid by the mortgage company. They are taking excessively long to process the check. I keep getting promised 3-5 business days every time I call, and nothing ever happens. Ive probably called them over 20 times in the last 3 months. They are completely incompetent.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of 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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Help Requested Checking Account XXXX Dear XXXX XXXX XXXX I have tried to seek help through Truist Customer Service but have not been able to understand the logic behind a ten ( 10 ) day hold on a personal deposit of {$400.00} that I made via the Truist phone application on Friday, XX/XX/2024. 

Background I made a check deposit of {$400.00} from my XXXX XXXX XXXX XXXX ( XXXX ) checking account ( XXXX ). My XXXX checking account is linked with my Truist checking account ( XXXX ) and vice versa. The deposit was made via my Android phone and at the time of the deposit, my Truist checking account was overdrawn in the amount of negative forty-one dollars and twenty-eight cents ( - {$41.00} ). My deposit when fully cleared would have left a balance in my Truist checking account of {$360.00}. 

When I made the deposit on Friday, XX/XX/XXXX, it was posted with {$220.00} immediately available. 

However, on Saturday morning, XX/XX/2024, I received a text message indicating that a XXXX Administrative hold had been placed on the full deposit amount. I called my local Truist branch and was told I need to call back on Monday to speak with the back office. I also called on Monday, XX/XX/2024, and after being on hold for about XXXX minutes waiting to speak with a manager or supervisor, I was still unable to get a reasonable explanation from the Customer Service Representative who placed me on hold. 

Follow-up Request Sir, is there anything that you can do to help me? Why is there a 10-day hold on a check from an account that is linked to my Truist checking account? 

I would appreciate hearing from you. Thank you! 



Sincerely, XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email )

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Was sued by company in small claims court I XXXX XXXX never had or possessed a capital one card back in 2012 they sued me and garnished my wages I have never had a credit card with capital one in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # 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 2024-01-24 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: FL

Complaint narrative:
XXXX is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX  XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX  ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX XXXX : XXXX XXXX, XXXX XXXX inquiried on my credit report improperly. I have a credit fraud alert on my account that is very informational on how to verify my identity, call me before hand in order to pull my report. they did not follow the instructions and pulled anyhow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CT

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2024-01-24 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I am writing to complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Robinson & Hoover
State: OK

Complaint narrative:
XX/XX/XXXX ' 2024 I was notified by my personal bank of a garnishment placed on my VA Benefits Account at XXXX XXXX. This came as a surprise to me because I haven't received any recent collections attempts and have an excellent score. After researching the debt that this company Robinson Hoover XXXX XXXX located in XXXX was trying to collect I found the account was originally a Medical Bill from more than 10yrs ago. The dead line for legal action in Oklahoma is for this debt is 5yrs. As it turns out this company also placed an illegal lien on my home. They are all Lawyers there, they know they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XXXXy Period # XXXX ( Pay date XX/XX/23 ), I was supposed to get a direct deposit for {$900.00} from my Payroll. I work for the XXXX XXXX XXXX ( XXXX XXXX ). I did not get it. An account number was transposed incorrectly. I called the bank and they said that since if the name didn't match the account it would take XXXX days for to get sent back to XXXX XXXX XXXXXXXX XXXX On the XXXX of XXXX I called my bank and they told me that Social Security should get it back by close of business. I asked my Group Supervisor who could I contact in our HR department that could help. XXXX XXXX XXXX was the contact person that I have been corresponding with. She said that they have yet to receive notification on the return. I have been in contact with her for a month I have yet to receive it. Everything has been has been corrected since then. XXXX XXXX told me that it would take another XXXX days to get to the Department of Interior , and probably another XXXX days for them to post. As far as she knew nothing has been posted yet, and was going to check with someone she knew or think that could help, but nothing yet. This has caused a burden on me, I would appreciate some Assistance if at all possible. Since this email, Other emails have followed on these dates. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, The last email on XX/XX/23 was given to XXXX XXXX who stated that they are actively reviewing. I was told that there was nothing they could do until BOA return, I told them that I have reaching numerous times to BOA and they stated that they didn't get it. I have been dealing with this since XXXX XXXX, it has now been almost 4 months. I have had my supervisor keep an update while I was on leave in XXXX and still nothing. I just sent another email on XX/XX/23 asking for any updates. No response as of yet. Please the help would be greatly appreciated.

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 2024-01-25 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: U.S. BANCORP
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX {$620.00} on XX/XX/23 for services. They did not perform the services and agreed to refund my {$620.00}. I received a letter from US Bank and need help filling out the return form enclosed in the letter. The letter says it needs to be returned by a fax machine. I don't have a fax machine or access to a fax machine. I need to send the information via e-mail. I have been calling US Bank and they have not returned my calls.

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Comenity Bank both Lane Bryant Cards and Ulta Cards. This issue has happen several times. I have listed the transactions below. When you make payments there are four options available. Minimum Payment, Statement Balance, Current Balance, and Other Amount. I selected the Current Balance and made the payment of {$84.00}. I would assume that is the payoff amount. After my balance shows {$0.00}. Payment due date is the XXXX of the month by XXXX EST. I made the current balance payment on XX/XX/XXXX. On XX/XX/XXXX I received a bill for {$2.00}, when I called they told me the same thing they always tell me which is the {$2.00} is interest from the previous month. However I payed of the debt the month prior. so why interest. The first time this happened to me in was my Ulta card carried by the same card company. I didn't catch the fact that I owed {$2.00} and they charged me a late fee of {$35.00} on top of the {$2.00}. I explained to the company that I have been using cards for quite sometime and if I select current balance and make the payment before the date, I haven't/should n't be charged interest. 

Purchase on XX/XX/XXXX {$210.00} Purchase on XX/XX/XXXX {$39.00} Purchase on XX/XX/XXXX {$26.00} Payment made XX/XX/XXXX {$100.00} Interest charged XX/XX/XXXX {$4.00} Payment on XX/XX/XXXX {$100.00} Interest Charged XX/XX/XXXX {$3.00} Payment on XX/XX/XXXX {$84.00} for payoff Interest charged on XX/XX/XXXX {$2.00}

Company response to consumer: Closed with monetary relief