vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full XXXX  a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
I

n conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX sent me a check claim refund for {$310.00} from their Bank of America account. Someone stole my check and printed their name on it, right underneath my company name. I don't know this person, other than he obviously has a XXXX XXXX XXXX to ours in the XXXX XXXX USPTO. That someone deposited my check in their XXXX XXXX account even though the name on the check was meant for XXXX XXXX Bank of America cleared the check even though the company name did not match the company name on the check. 

I requested XXXX XXXX and Bank of America to reverse the transaction and give the money to us. But, they said the money is already deposited and there is nothing they can do about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a business checking account with Chase Bank. My client paid me via JPMorgan Chase/WePay merchant services which came with the business checking account. In XX/XX/2023, my client paid me {$300.00} ( X3 ) for services rendered totaling {$900.00}. Chase Bank/WePay Merchant Services put the funds on hold for 120 days. I am being told the funds will not be released until XX/XX/2023. We were never notified the funds were placed on hold or given an explanation until I reached out to my client for payment. My client stated that the funds were deducted from their account already and paid to to my bank account. I called JP Morgan Chase/WePay merchant services and was notified that the merchant account only had been closed. The representative at JP Morgan Chase/WePay merchant services stated I could file an appeal to get the account reopened and possibly get the funds released. After filing an appeal, the appeal was denied and JP Morgan Chase/WePay merchant services still has the funds that were paid to my company. After calling WePay Merchant Services multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 and many other times, I reached out to JP Morgan Chase executive office and was informed the same thing, they are unable to release funds until XX/XX/2023. The business checking account account is less than 60 days old, and there are no charges that would create a charge back that could not be covered. This has put my business in jeopardy and has created a downward spiral that I may not be able to recover from. The bank is holding my {$900.00} for 4 months and I would like to have my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I submitted an online bank payment of {$7000.00} from one bank to my Wells Fargo credit card on XX/XX/23, wells fargo received the payment and show it was a pending post on XX/XX/23. On XX/XX/23 it shows it posted to my account but only {$500.00} was posted and made available. I contacted Wells Fargo and was told not to worry the remainder of the balance would post on XX/XX/23 on XX/XX/23 when it still had not posted I called in again and was told they had placed a 4 day hold on the funds on XX/XX/23 to investigate the transaction but that funds would be released on XX/XX/23 when funds were not released on XX/XX/23 I called in again and was told they did not initiate the 4 day hold until XX/XX/23 so my funds should be released on XX/XX/23. Wells Fargo is holding my money hostage and refusing to do anything about it. They keep changing the date of when it will be posted to my account. Today when I called in to file a complaint with WF they told me they really have no guarantee or way to tell me when my funds would be posted and next time to just go in the branch to make payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a compliant filed against Chase Bank. Chase closed my account and hold my fund due a cleared/ funded check from XXXX. 

On XX/XX/XXXX, my friend issue a Check, amount {$21000.00} from XXXX. 

Around XX/XX/XXXX, I deposited into my Chase bank, and Chase on hold this Check ( Normal process ). 

On XXXX XXXX, the check cleared, the issuer from XXXX releases the fund, and XXXX receives the full fund. 

On XXXX XXXX, Chase closed my account, reason is unable to verify this check with the issuer.

The issuer doesn't have Chase account, and I provide his phone number to Chase, which was used to register in his XXXX account, but Chase said phone number unable to verify, that Chase can not call this number. 

Then Chase let issuer contact XXXX, to file a fraud cliam to recall this money back and make a statement said this is a valid check not a fraud, then pay me in another way ( wire ), but this is a vaild tranciation, issuer unable to file a fraud cliam in XXXX. In the same time, XXXX already verified check and released the fund, Chase has no reason to hold itXXXX XXXX can send a fund verification letter by fax to Chase, but Chase does not accept it. 

On XXXX XXXX, Chase closed my account without period notice, and still on hold this cleared check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with capitol one appearing on my XXXX XXXX report I also did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: Possible Financial Inc
State: MD

Complaint narrative:
I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of, XX/XX/XXXX, my XXXX and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. XXXX needs to hold Possible accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Precise Home Loans, LLC
State: GA

Complaint narrative:
This company offers you an incentive of giving you the appraisal fees returned after 3 weeks for a value of {$700.00}, and then they don't want to pay, they are rude never pick up the phone and pretend to have multiple people picking up the phone when is always the same guy. 

They made me spent months calling them every week more than 3 times a week and always telling me a different story such as " I am on a meeting '', he is not here today, " XXXX XXXX  has to pay '' of course I had to pay interests on tht aamount on my card. 

I understand that if it was my responsibility I would pay, but they offered something and lying is not tolerable. 

They tell you they are in a meeting or even blame the other companies associated with them. They couldn't not go more unprofessional and shadier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I called Discover to get a debt settled, the statue of limitation had already passed for this debt so I was not obligated to pay this debt per Discover because they can't sue me for the debt. I called Discover because I received a 1099C for debt forgiveness which I had to file with my XXXX  taxes for the year ending XXXX. I called Discover to ask them about credit reporting and was told that debt will reflect charged off until it has fallen off. I then asked why if they had forgiven the debt and reported this as a loss for their tax year, why is it still reported as charged off with a balance. I told that if I needed to have my credit report updated I would need to pay on the account. I offered to pay {$300.00} and they refused and countered at {$1000.00}. I went as far and told them I would settled the acct for {$500.00} just so I can have my credit report updated as settled, they refused my offer and told me lowest they could settle for was {$970.00} at {$100.00} per month. I then called them back and asked them why they are refusing to take what I offered as a settlement if I am not obligated to pay due to statue of limitations. I also asked them if they were going to revise the 1099c form that they sent me for {$3200.00} being that they are telling me I have to pay {$970.00} to get my debt settled and have my credit updated. This is unfair debt collections practice because how is Discover refusing what I can settle for even though I got a 1099c for the debt and had to pay taxes on it and they wont update my credit report reflecting that debt was forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I made a credit card payment to Barclays Bank on XX/XX/2022 in the amount of {$920.00}. Barclays sold my credit account to XXXX Bank and neither bank has given me credit for that payment made. XXXX has referred me back to Barclays. Barclays attempted to communicate with XXXX and XXXX from the XXXX XXXX has called me, but previous claim is now closed even though this situation is not resolved. XXXX continues to be non-responsive. I have also filed an action with the XXXX against XXXX over this. I would like proof from Barclays that they received my payment based on the transaction information I provided them, as well as proof of them sending it to XXXX. I would like my refund of {$920.00} immediately. I have proof of payment from XXXX Bank including the credit tracing number. 

Previous Claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid 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: OH

Complaint narrative:
paypal account is being charged with charges I am not making. My account is one long list of charge backs after another, none of them are mine. I called them XXXX of 2022 and filed a complaint against the charges and told them to freeze my account and if I wanted to use it again I would call back and unfreeze the account to use it. It was never frozen as requested and I find that the same thing has been going on since the phone call. I called them again recently and told them to close my account and that I would never use it ever again. They forwarded me to their fraud department and the person I was trying to talk to would not listen to me, he just hung up on me. 
The charges on my account are false and one look at the activity would prove that there is something going on with this account. I WILL NOT pay for something that I didn't ask for and need your help to get this problem resolved. The current charges on my account are XXXX and that is totally false. 
Thank you for your attention in this manner. 
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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Hello, yesterday, XX/XX/2023, I attempted to use my Navy Federal credit union online mobile app for a check that I needed to deposit. I have been banking with them for almost 20 years. I am a private XXXX. Interestingly, I investigate fraud. I cash my checks from other private investigative companies, and usually the same ones. I scan and upload my checks the same way every time and have never had any issues.

My deposit was denied five times in a row, and the only reason the email gave was very vague. So I called Navy Federal and they put me on hold for about 30 minutes because the associate did not understand why my check was denied either. She indicated that her and her fellow employee could not understand why my check was flagged and they both saw that it was from the same company that I cash checks from. She told me that she shouldnt be telling me this, but they have been having glitches all day and they had a system update. 

She told me that my mobile app would not allow me to cash checks, and I have no idea when it will allow me to. So luckily, there is a XXXX in XXXX, but I travel a lot and now Im not able to cash my check anywhere until I get back into town this is absolutely ridiculous and they still have not responded to my email requests to unlock my deposit feature on my mobile app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation