vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: SC

Complaint narrative:
XXXX fraudulently charged me fees that not accurate XXXX reported inaccurate information to all XXXX credit bureaus

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 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2024. Deposited a check in the amount of {$120000.00}. Was told that on XX/XX/2024. I will be able to have my cash in my hand. 
On XX/XX/XXXX I was told I cant have access to my money. I requested To talk to someone. They told me they dont have anyone I can talk to. Someone with higher authority ( unknown ) needs to authorize if I can get my money. They have committed securities fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/XXXX, I called to request that my checking account be closed. I was told that it would close within 7-10 business days. On XX/XX/XXXX, the account was still open and was charged a {$10.00} " monthly checking fee ''. On XX/XX/XXXX, I started a live chat with an agent who asked that I deposit {$10.00}. I pushed back and said that I shouldn't have been charged the fee since the account should have been closed, and after a few minutes, the agent said they'd reverse the fee. However, the agent said they still could not close the account until the reversal posts. I just want this account closed and I don't understand why they're wasting my time and making this so difficult.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made an online deposit for a Title Company Check. The online system said there would be a hold on the funds until XX/XX/XXXX. Now today, XX/XX/XXXX they decided to change the hold until XX/XX/XXXX due to internal indications of fraudulent activity on the account. Not my account mind you, but on the Title Companys non-Wells Fargo account. No further explanation other than their overnight deposit system flagged it. Ironically I could have taken the check directly to the bank and they would have just cashed it. Now my bills are going to be late!

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 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Ive been a checking/savings customer with USBank for more than 20 years and ALWAYS had a savings account. It was a no minimum account with some funds in it. I wont lie just before COVID I had one of a very few overdrafts that the bank decided to take the funds from my savings. This over draft did not exceed XXXX hours. Since I didnt agree to have them take from my savings I asked for them to transfer the money back. They refused and closed my savings account. Since Ive re-applied twice without success. The practices of banks are sinister. I only make XXXX a year with no way to save a few dollars at the bank I have my money with for convenience. Im so angry and perplexed that banks can literally stop you from saving money! How is this a free country?

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
BridgeCrest has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that BridgeCrest report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with BridgeCrest is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with BridgeCrest. I have had my ban account for 23 years and it has never changed on my account for BridgeCrest. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AL

Complaint narrative:
In summary, I have been experiencing issues with a consumer reporting agency, specifically XXXX/EQUIFAX/XXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of 18, creating a forced non-consensual bond over the last five years. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the XXXX XXXX XXXX XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.

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 2024-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NY

Complaint narrative:
I ordered a new cash app card as my current one expires XXXX XXXX. I paid {$5.00} for a designed card. The card was mailed, however, I never received it. Cash App refuses to replace it without paying another fee. Claiming designer cards are non-refundable. This is an inconvenient loop hole as I am required to pay again in order for them to regenerate a new card. This is unfair for two reasons ; 1 - my current card expires and I need a new one ; 2 - I paid for a service that I never received. They keep telling me its against policy and other baseless language. Why should I have to pay them a total of {$10.00}, in order to receive a card? Especially when my current is expiring. Either way, they are requiring payment before they generate a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I initiated a transfer of {$700.00} from my bank to my Google Pay account. It should have been 3-5 business days. The app said it would be complete XX/XX/XXXX which I'd ridiculous as an ACH transaction is pretty much instantaneous these days. I contacted Google Friday and Saturday to see why my balance was still {$0.00}. I was told the transfer was declined and the funds being returned. They would not provide a reason as to why. I still do not have my money and have been flat broke with an overdrawn checking account for almost two weeks now because I foolishly XXXXthis would be a simple quick and easy process as most banking transactions are. I don't know what to do or where to turn

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WY

Complaint narrative:
Mohela is not crediting my payments. I paid my last student loan payment. The check cleared ( see attached document ). Mohela is still showing the payment as " late '' and " unpaid '' to charge me interest when they have already cashed my check! 

Also, despite repeated written requests ( including a note ON THE CHECK ), Mohela is not applying my payments to the unsubsidized portion of my loan requested. 

Mohela 's phone lines are always tied up for hours. Their " unusually long wait time '' has become very usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am refiling this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NJ

Complaint narrative:
Brinks prepaid card/ netspend closed my account several months ago, yet they are holding the remaining funds in my account- {$520.00}. I would like a check issued for the remaining balance. My account number ends in 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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My complaint involves BMO Harris USA locking my business checking account after mobile depositing a check for the amount of {$5100.00} on XX/XX/2024. On XX/XX/2024 it cleared the issuing bank I have received confirmation from the writer who supplied proof the check cleared. BMO Harris locked my businesses account on XX/XX/2024 at approx XXXX XXXX XXXX standard time. They are in violation of their own funds availability policy as well as causing harm to me and my business. Please help me with this issue BMO Harris says itll be at least 14 days before I get my account back. 14 days to get an account back that had a legitimate check clear same day is absolutely absurd and it will be the death of my business and children. I urge you to do anything you can to help please.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, XXXX mobile deposited a check payable to me from XXXX in the amount of {$4500.00} into my Truist checking account. I've been banking with Suntrust ( now Truist for a long time ). I have not overdrawn my account. 

On XXXX, I received an email saying a hold was placed on the funds for 7 days because the check is not payable upon presentation. I contacted Truist customer help and talked to a representative and a supervisor and they told me nothing could be done to release the hold before 7 days. No one there could explain why the hold is 7 days when they also told me the funds could be verified in XXXX hours. This is XXXX we are talking about, a firm with over XXXX XXXX dollars in assets under management. There should be no issue clearing this check sooner. All they have to do is verify the funds in XXXX days and manually release the hold. They said they can't do that. 

I explained to them that I'm retired and need this money to pay bills with by XXXX but was told there is nothing they can do for me. I guess I need to find another bank because they definitely don't give a XXXX about long term customers. I was never treated this way by Suntrust and I deposited large checks all the time.

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I have submitted numerous qualifying information to Mohela towards my loan forgiveness program and have not received a phone call or email that makes any sense! I originally paid a company named : Higher Level Processing to manage this for me and ended up paying them XXXX a month since originally applying to loan forgiveness program to find out they didn't keep tract? or Mohela messed up? I have since stopped paying that company to try and fix this mess myself and still trying to fix mess. I sent all previous and current W2s, and names of jobs held that were non-profit as directed. Now I see they have several of them listed on site, but they say employment not verified?? so they are not being counted. I'm at my wits end! Can someone please help?? I'm close to retirement now and if they weren't going to pay my student loans off, I would have been making payments all along as income is going to be limited shortly and my husband is already retired with set income. Please help! 

Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is a formal complaint that the creditor mentioned have violated my rights. 

XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 US 1681 section 602 states I have the right to privacy.

15 US 1681 section 604 2b states consumer reporting agency can not furnish account without written instructions.

15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I booked a hotel stay on XX/XX/year> using the Chase travel portal since my card would give me a {$50.00} on the stay plus XXXX Chase ultimate rewards points after enrolling on a targeted promotion on my Chase Sapphire Preferred. We completed our stay on XX/XX/scrub>XXXX XXXX 
On XX/XX/scrub>XXXX XXXX XXXX I called Chase secure recorded line inquiring about product doing a product change and updgrade my card to a Chase Saphire Reserve. Before moving forward with the product change, I asked the representative over the phone if I would still get the {$50.00} credit statement and the XXXX Chase ultimate rewards and she confirmed I should be getting both. 

I have contacted Chase several times over secure portal and lastly oevr the phone and they said that due to the product change, I won't be getting the credit or the points I rightfully earned in XXXX before I had the new card. 

I decided to make a complain with the CFPB since this is clearly a violation and a breach from Chase 's end. I received incorrect information from the bank and I am not receiving the credit and points I rightfully earned after completing the challenge I enrolled for. As a customer of many Chase for many years, I find this experience very disappointing and upsetting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
BridgeCrest fraudulently charged me fees that not accurate BridgeCrest reported inaccurate information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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