vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XX/XX/XXXX Accounts,XX/XX/XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) have 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 Inquiries that I did not authorize : XXXX XXXX : Requested on XX/XX/XXXX & XX/XX/XXXX Bank XXXX XXXX : requested on XX/XX/XXXX XXXX XXXX XXXX : requested on XX/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 2022-06-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXXl XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-20 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:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CL Holdings LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/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 instructions

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 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
I deposited a $ XXXX check that was issued from the State of California on XX/XX/15. I always deposit my checks via the ATM and this was no different. I also deposited a workers comp settlement check for $ XXXX about a month prior with no issues or holds. I requested an email receipt which did not state anything about an excessive hold. A couple of days go by and I notice that they have not made any of the $ XXXX state check available to me. I contact the bank and they gave me reasons that don't make sense as I've never had any type of hold on any checks before. I told them this was a state check and funds will be there with no issues with it clearing. I also provided proof that this payment is legit and belongs to me. Proof from the state of California regarding approval for the $ XXXX workers comp voucher return to work fund as well as a copy of the check stub with the State of California information on it. That did not matter. Now my funds are on hold for almost 14 days. 12 days after I deposited them. They will not release funds from a STATE ISSUED CHECK until XX/XX/XXXX! This money is to help people who have been injured on the job to compensate for loss income. And US Bank wants to HOLD this money from me. I needed the money to help move. Unreal.

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 2022-06-20 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had over {$3000.00} in fraudulent charges to my card from XX/XX/2022 through XX/XX/2022 before I was able to close the account and start the claims process. Wells Fargo has yet to issue my account a credit for these charges, and every time I call the claims assistance line, I'm told that the case is being investigated while I'm still on the line for all the fraudulent charges posted to my account. The high balance of fraud is starting to negatively affect my credit score.

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 2022-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I decided to pay more my mortgage so I would pay less interest. On XXXX XXXX and XXXX XXXX I made payments of XXXX. I was told later the second payment would be same as the first payment no extra principal would come off. I ask to apply the XXXX XXXX payment to principal. They agreed but said it would take XXXX days. I didnt see the payment applied to principal so I call was told they would extradited it. That didnt happen. I made my XXXX and XXXX payment all the time asking for XX/XX/XXXX payment to be applied to principal balance. They kept saying it would be. I also paid an additional XXXX on my principal balance XXXX XXXX XXXX. I had to keep asking for it to be applied to principal balance and it was not done until XXXX. I ask for all the principal to be applied back to when I paid it. They also would not except my XXXX payment. I tried to get a XXXX XXXX law student to help that work. You are my last Hope. IF you are able to go back and look at my montage from the beginning you will see they did wrong all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX 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 instructions

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 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
We rented a house through XXXX XXXX XXXX in XXXX, GA, while we looked for a house to purchase after selling our home. We signed a 12 month lease. However, we found a new house much sooner than anticipated. I contacted XXXX XXXX XXXX and let them know, we paid everything owed to them and left the property cleaner than it was when we moved in. According to the move out paperwork the company provided, we had paid everything owed. I even emailed an employee and she confirmed that we were paid up and didn't owe anything else. Several months later the company said we owed an additional XXXX dollars. I replied to that email with the response from the employee and didn't hear anything else. However, they sent the account to a debt collection law firm, and even after sending the correspondence from the employee who said our debt was paid, they continue to attempt to collect the debt and have placed it on our credit report. I also filed a complaint with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ) have 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 Unauthorized Inquiries : XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
Here we are again, Equifax is steady stalling instead of fixing MY problem! This is completely ridiculous and incompetent of them. I have already provided the ACCOUNTS that are ID theft in my complaint but yet they are STILL asking me to list the accounts that need to be investigated. Are you serious?? YOU all are asking for legal action to take place. REF the previous complaint for when they asked me once again for the accounts that I am referring to XXXX. 

I will attach my ID theft report one last time. You all need to do your job as a consumer reporting agency. You have failed to uphold your grave responsibility as required by the FCRA to ensure the maximum accuracy of my information as the consumer and do what is fair and equitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
In accordance with the Fair Credit Reporting act the creditors below, 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 an account without my written instructions. 

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 bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged 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 2022-06-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX 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 instructions

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 2022-06-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022 I entered the XXXX XXXX Bank of America branch requested to withdrawal {$1500.00} from my checking account ending XXXX. XXXX XXXX there was nothing she could do for me Bank of America chose to close the account and a cashier 's check would be mailed. I advised her that I'm attempting to resolve this matter and have my funds disbursed me to via a teller at the branch. She again stated there is nothing she can do the account id closed.

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 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I had financial assistance with the hospital and they missed a bill and sent to collections. I would like bill removed from my collection report immediately as they did not have permission to violate HIPPA and send my medical bills with private information to anyone outside of hospital nor did I owe the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Spoke to XXXX XXXX XXXX Multiple times and told them this was a stolen identity account. 

I have a good standing account with XXXX XXXX XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Portfolio RC Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from TransUnion stated that the account that I have disputed was verified. The letter will be attached so you all can reference. Now, I want you all to provide me with the neighbors, friends, and associates of mine that you spoke with. You all are required to perform an investigative consumer report. I need all the information that was gathered during that investigation which is my right as a consumer.

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 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
This company offers a line of credit called the flex loan. When I draw money, it says my monthly payment is for example, {$240.00} for that amount that I drew. At first, they charge only that amount. The next month they add on what they call it a customary fee, which takes my monthly payment from said amount of ( example : {$240.00} ) to now over {$1000.00} a month in monthly payment. How is this legal? This is robbery!!! The amount of this customary fee was never disclosed at the time of drawing and never disclosed in truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2022 On XX/XX/2022 on deposited a check for the amount of {$35000.00} dollars from my credit union with over {$130000.00} dollars worth of cash funds into my Chase Bank Checking Account. At the time of the deposit the teller advised me that the the check for {$35000.00} in sufficient funds would clear in my chase checking account within 24 hours. 

While I monitored the above listed banking transaction on a daily basis with my lab-top computer and I had witnessed that chase would not transfer my {$35000.00} dollars cash funds for a total of XXXX days. It is important to note that the funds from my credit union account were withdrawn from XXXX XXXX account in XXXX working days from XX/XX/2022 according to my credit account monthly statement and Chase Bank failed to transfer my {$350000.00} do my Chase Checking Account for another XXXX days. 

It is important to note that when I deposited my {$35000.00} credit union check into my Chase Bank Checking Account on XX/XX/2022 Chase Bank attached an alert message regarding special investment opportunities regarding {$35000.00} check deposited even though the {$35000.00} dollars did not clear in my checking account for another 12 days. 

By Chase Bank 's failure to transfer and clear my {$35000.00} dollars cash into my long term checking account has created a hardship and penalties with payment responsibility. 

I AM REQUESTING TO BE COMPENSATED MONIES DUE TO NOT BEING ABLE TO ACCESS MY CASH FOR PAYMENTS TO CREDITORS. 

RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I went to a chase bank to open a saving and checking account under my name only with my two forms of ID. I used my drivers licenses and my chase credit card ( that I had since XXXX ). On XX/XX/XXXX I went shopping and my chase debit card got decline so I immediately call the number on the back of my card then a customer services representative told me that chase decide to end the relationship with me and my saving and checking account were under investigation and my money is froze but my credit cars are active. they didn't tell why, I told them the only money I had in there is my direct deposit from a well known hospital everything is legit. So I went to the bank to see if they can explain to me what is going on. I meet XXXX who the manager of the branch asked him to help me. I told him everything he ask me for my two forms of ID which I gave him then he access my account were a phone number was assign for further questions. He was transfer to different departments then he ask me if the account was open online o by person. I told him by person because in XXXX someone stole my identity and I have to give a password that I used to verify that is me, but if they needed I was having my social security card and my USA passport at that point I thought everything was getting fix because they unlock my online account, set up a questioner that I only know the answers and XXXX got transfer to another department to suppose to unfree my account but he was told that a decision was already made to end business with me, so my accounts were still under investigation. He told them I got transfer to this department to unfree her account her online banking got unlock, a questioner was set up for her protection, she only needs her accounts restriction lift. she has her two forms of ID but he was told there is nothing to do a decision was already made to end business with me and I was ban from chase banking. I am in shock and upset

Company response to consumer: Closed with explanation