vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
1.I have never had an account with this company Law Office of Jennifer McCoy , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Law Office of Jennifer McCoy the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Late XX/XX/2023, I was attempting to sale my boat. I was working with a potential buyer and the buyer sent me a business check for the purchase of my boat. I called USAA and informed them that I was selling my boat and I had a check that was suspicious to me. I asked how to determine if this was a fraudulent check. The USAA representative told me the only way to determine if the check is fraudulent is to deposit the check and let USAA run the process. As long as I don't touch the funds, they would just pull the funds from my account if it was deemed fraud. 

A few days later, I called USAA back after having some suspicious correspondence with the buyer that made me assume that the check was fraud. I called USAA back, told them I assumed this was fraud and opened a fraud case with USAA to investigate. About 5 days later, I was notified that the check was fraudulent and they removed the funds from my account. The security person told me that if I deposited another fraudulent check, I would be removed as a member of USAA after 25 plus years. 

Now USAA has added a restriction on my account so I am no longer able to deposit checks above {$1000.00} dollars a day. Even though, in their own documentation, it strictly states that no negative actions will be taken against my account. Now USAA is telling me that due to the fraud check, my account has been tagged and will not be able to be reviewed for another six months.

USAA escalation managers, two of them, have told me its my responsibility to now that a check is fraudulent before depositing it into my account. So much for USAA protecting the consumer. Didn't realize I have to have a financial background to determine how a check is fraud or not. 

I do not have the ability to mobile deposit checks now. USAA is refusing to assist, even though I did everything by their guidance. USAA after 25 years of being a member is treating me like I am the criminal. This is complete, utter, disappointment in USAA. I expected better!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
During the refinance process, loan officer XXXX XXXX of Carrington Mortgage fraudulently misrepresented ( in writing and then verbally ) that my FHA Partial Claim XXXX : 1 ) in writing : that the claim would be paid as a result of my refinance ; then, subsequent to me accepting that offer in writing, 2 ) verbally by phone on or about XX/XX/XXXX  : that the FHA partial claim would not be due. Carrington was able to negotiate with the partial claim servicer to keep the partial claim so that it would not come due until the end of the new loan. The conversation occurred after I pointed out the Closing Disclosure did not reflect the FHA Partial Claim payment as requested. That's when XXXX called and when I returned his call he told me the great news, that the partial claim wouldn't be due. 

I have a copy of email correspondence from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I submitted a deposit into my XXXX  account in the amount of {$1900.00} to cover the cost of 1 ethereum. After hitting submit my account showed that I had {$1900.00} in my assets so that's when I went ahead and purchased the 1 ethereum. Once I purchased 1 ethereum my account went from {$1900.00} to over {$3700.00}. I freaked out and spent the next several hours with 2 different online chat agents asking why my account went from {$1900.00} to over {$3700.00}. Neither one could answer me. This whole scenario was on Saturday, XX/XX/XXXX. On Monday, XX/XX/XXXX my personal checking account had 2 transactions from XXXX. One in the amount of 1 ethereum and the other transaction for {$1900.00}. I didn't authorize this. I put a stop payment on the {$1900.00} because XXXX  already took out the money for 1 ethereum. That's when XXXX  put a hold on all my money until I paid another {$1900.00}. So I paid the {$1900.00}. 

Now as of XX/XX/XXXX, they still have all my funds on hold and refuse to give me an answer why or let me know when I'm able to access my funds. I don't deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA. 

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous. 

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Back in XX/XX/2022 I received payments for work I was hired to do I receive a portion of my payments but Bank of America place a hold on my other fundsI tried to get it resolved with no avail

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened a chime account in XXXX, I used it extensively, it seems someone gained access to my account around XXXXXXXX XXXX XXXXXXXX, I have several fraudulent transactions, I then had duplicate transactions, after inquiring with customer service I began receiving strange emails they asked me about XXXX transfers that were made into my account that didnt make sense.. they never released XXXX large transfers made to my account, after months, I finally got customer service to agree to send me a statement and escalate the case which have both still not occured.. right after the large missing transfers they closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was used to open up several accounts fradualently, police report is available. 
Please remove all listed accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX XXXX U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Truist bank XX/XX/XXXX after they offered a {$400.00} bonus to open the account. I made 2 requested direct deposits of {$500.00} each to meet the eligibility. I verified that I had met the terms with Truist customer service when I opened the account and made the deposits. After 30 days I was supposed to have received the {$400.00} bonus, however it wasnt received. I again called customer service on XXXX and was assured I had met eligibility and that I would receive the funds in a week or two. I visited my local Truist branch on XX/XX/XXXX. They took my information but never followed up. I still have not received my {$400.00} bonus. 

Truist misled me into opening an account with the promise of a bonus and now refuse to pay. hours of my time wasted on hold and waiting at the local branch with several false promises of paying me the {$400.00} bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.

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 2023-03-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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. 
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 instructions15 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I requested the original documents in connection to this debt with TD BANK, NA. They repossessed my car on XX/XX/XXXX, sold it around XX/XX/XXXX, and since then has sold debt to XXXX XXXX XXXX XXXX, but TD BANK, NA is still reporting to my credit report monthly and adding increases but has failed to send me any of the information I've requested. I sent the request for information on XX/XX/XXXX, it was sent certified mail, delivered and signed for on XX/XX/XXXX according to the return receipt that I received back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2023 I applied for a BestBuy Credit Card at the physical store and was approved and I made a purchase on the same day.

I was told that I would receive my card in 7-10 days. I never received my card as of today XX/XX/2023. I have called the company " CITI bank '' who is the issuing credit card company and notifying them that I did not receive my card. They said they would cancel the card on file and then would have to verify my account through sending me a letter in order to send me another card. I have made about XXXX calls to the company in the past couple of weeks regarding not receiving this letter and only to meet with resistance that they would need to send a verification letter to verify my account and they couldn't help me any other way. Last week I get a phone call that my account is past due, I told them that I have never received a statement either. I tried to make a payment over the phone and was told that I was still pending verification. I am frustrated with CITIBANK and am getting nowhere with the multiple different people that I am speaking to who sounds like they come from XXXX. I have tried to go online to access my account and make a payment but unable to log in as they system can not recognize me without my credit card. I called again to ask for assistance and was met with the same verification excuse. If this shows up on my credit report as a late payment I will be even more furious as of 2 months, I have gotten no statement, no credit card, no verification letter, no help or assistance, and I can't even get tech assistance from their customer service to go online.

Please help me with this issue because I am at my wits end with this company and can not believe what is happening. All of my personal information was on the original application when I got approved and now I feel that their incompetence will have a negative impact on my credit score and my personal well being.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received notification on XX/XX/XXXX that there was an inquiry to my credit today. I received this information through the alerts I have set on XXXX XXXX, Capital One, and XXXX. I presumed it was for an automatic credit line increase, thus I ignored it for the time being. However, I missed a call from an 800 number. The voicemail left stated they were calling from the Capital One application fraud department, and needed to speak to me. I called Capital One directly, and they didn't show an application in my name. However, I did call that number that called me back, and they had the same voice prompts and hold music. I did not give any personal information to this person, just in case. They had all of my information which they stated was used to apply for this card, which was done online on XX/XX/XXXX. They have cancelled the application. I have since frozen my credit with all 3 bureaus.

Company response to consumer: Closed with non-monetary relief