vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: DC

Complaint narrative:
I had a Health Savings Account, " HSA Account # 1, '' at UMB Bank as part of an insurance plan with my former employer, a XXXX. When I left my job at the XXXX, I retained HSA Account # 1. I started a job with a XXXX XXXX. Through my XXXX XXXX job, I had a second HSA health plan, which also used UMB Bank as trustee for the HSA.. That resulted in me having a second HSA, `` HSA Account # 2, '' at UMB. On XX/XX/XXXX, at my direction, UMB closed HSA Account # 1 and contributed {$1200.00} into HSA Account # 2. HSA Account # 2 should have had some amount at that time. My Form 5498-SA reflected a balance of {$710.00} at the end of XXXX. 

I have since left my job with the XXXX XXXX. I would like to transfer the amounts from HSA Account # 2 into a new HSA account I have under my new insurance plan. However, UMB Bank can not " find '' the funds in HSA Account # 2.

I have spoken to UMB customer service twice, with no resolution. The first time, on approximately XXXX XXXX, XXXX, they told me that had to do some " research '' and they would call me back. They did not call me back. I spoke with them today, XXXX XXXX, XXXX, and had not figured out where my funds are. They said that HSA Account # 2 was terminated. At what point they said it had a XXXX  balance, and at another point they said there was {$970.00}. In neither case could they advise on what actually happened with the account, how it showed the balance they were seeing, or how I could transfer the funds to my new HSA. They wanted again to hang up and do more " research. '' But I do not believe that they would actually do that and get back to me. I was then put on hold when I asked to speak to a supervisor. I could not remain on hold long enough, and had to hang up. All told, I have spent nearly 2.5 hours on the phone with UMB and they can not tell me where my money is. 

Nor could they advise me on how to access my account information online for HSA Account # 2, so I could attempt to verify their information. They said that I had to contact the insurance company, but I had done that and they told me to contact the bank. Moreover, the bank clearly is the trustee on my account -- they do not dispute that, and that is what my Form 5498-SA says.

So what I need is : 1. A detailed transaction ledger for all of my HSA funds at UMB Bank, regardless of account. I need to be able to verify what happened to my money.

2. Clear instructions on how to transfer my UMB HSA funds into my next account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
THE DAY THAT WE WERE CLOSING ON OUR PRIMARY RESIDENCE I NOTICED THAT A {$2500.00} UNAUTHORIZED TRANSACTION OCCURRED FROM OUR SAVINGS ACCOUNT. THE TRANSACTION WAS AT ONLINE AND ORIGINATED FROM AN OUTSIDE AGENCY THAT HAD GAINED MY PERSONAL INFORMATION AND TRANSFERRED {$2500.00} FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT AGENCY IN TEXAS IN THE EARLY HOURS OF THE MORNING THROUGH THE NAVY FEDERAL CREDIT UNION IN XXXX, ALABAMA IN XX/XX/2020. NAVY FEDERAL INVESTIGATED THE INCIDENT AND STATED THAT THEY WOULD CREDIT OUR ACCOUNT BUT THEN THE NEXT BUSINESS DAY OR THAT SAME DAY THEY WOULD XXXX THE AMOUNT OUT AND SAY THAT " YOU MADE YOUR ACCOUNT OVERDRAWN OR IN THE NEGATIVE AND WE HAVE TO MAKE OUR MONEY BACK ''. SO THE MONEY WENT FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT ACCOUNT IN TEXAS AND WE NEVER WERE PAID BACK AND NAVY FEDERAL CREDIT UNION STATED TIME AFTER TIME, THAT THEY HAD TO MAKE " MAKE THEIR MONEY BACK '' XXXX THIS NEEDS TO BE INVESTIGATED AND WE DID FILL OUT A POLICE REPORT BUT NEVER, EVER DID WE GET THE {$2500.00} BACK!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
Yesterday XX/XX/2021 I contacted Equifax via telephone to remove unauthorized inquires on my credit report. The agent refused to, which is a violation of my consumer federal protection rights. Equifax is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2. I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. Additionally I advised the agent at Equifax that I filed a FTC complaint and faxed it over however the agent still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LA

Complaint narrative:
I've been disputing inaccurate accounts with XXXX  for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account 6 months now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.This XXXX XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX XXXX XXXX XXXX has re- aged this account and reports an inaccurate Open account status by Transunion. This account is still inaccurate and Re-Aged which leaves Transunion, in violation thereof ... .. 
Transunion records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Transunion, these accounts Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
At the end of XXXX of XXXX, I applied for a XXXX XXXX credit card in order to more easily pay off a couch purchase of around {$900.00} with no interest. 

As of a letter sent to me from Comenity Capital Bank, the issuer of all XXXX XXXX credit card accounts, on XX/XX/2021, I was denied for the following reasons ( spelling errors included ) : " High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades High credit limits and balances on revolving trades Low level of authentication indicative of First Party Fraud Low level of authentication indicative of ID Fraud. '' They also gave me a " Behavioral Risk Score '' of XXXX out of XXXX. 

This information was supposedly gathered from XXXX and XXXX but the bureau that was shown to me as the main source of my denial was XXXX 

I spoke with all three credit bureaus listed above the morning of Monday, XX/XX/XXXX and accessed my credit scores for all three that afternoon. From each bureau representative that I spoke to, none could find any information leading them to one of the above causes of concern outlined by Comenity. 

I called Comenity bank the morning of Monday, XX/XX/XXXX after my 3 previous calls to the credit bureaus. I was told that the decision making was up to the provided credit reports, but after stating that I had contacted all three credit bureaus and had found no evidence of the listed issues, I was told I could not escalate this any further and was told to either file a complaint through the mail to them or wait 30 days to re-apply for the credit card. 

After insisting to escalate this issue, I was incorrectly transferred to the wrong department and ended my call. 

On the morning of Tuesday, XX/XX/XXXX, I called XXXX again to re-confirm my credit report and once again go over the reasons for my denial to see what was on my report that could indicate those reasons. I was confirmed that nothing on my account matched what Comenity saw, and in addition, I was told that they had no evidence of Comenity ever accessing my credit report. 

After asking what I could do to solve this, the XXXX representative ( XXXX XXXX ) suggested I report this to the CFPB due to potential negligence on the part of Comenity Capital Bank to source my credit reports to make an accurate decision to give lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Presentment letter never received Contract sent to several different credit collection companies. Stated loans consolidated and or places in deferment and all are under same company. 2 were not places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Trying to get a payoff on a Truist Mortgage. Called BB & T and Suntrust and neither can access account. They supposedly have merged! 

Have been on the phone with Truist XXXX number and they have a wait time of greater than 25 minutes. They say to call back in a week or so. That will just add interest to the payoff amount.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Good morning. 


I am here complaining about company that goes by ability recovery services. They put 3 different collection accounts under my name which I paid off back in XXXX I was told all the accounts will be deleted and that it'll be reported to all the credit bureaus as complete and will be taken off any report However, spoke to them back in XXXX of XXXX XXXX and I was told that they will send the status update to the bureaus again and that it could take 30 days for that to update in their system Coming today after over a month, the bureaus are still showing all 3 of the debt collection accounts and are not deleted. I tried calling the company and they asked me to dispute the charges with the bureaus directly with no better solution I have had no help from them! I am trying to close on a home and I am getting pushed back cause of this company not doing thier work of actually submitting the account status as they are supposed to. Instead asking me to take this up directly with the bereaus.

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 2021-08-10 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
debit card was stolen XX/XX/2018 reported to bank XX/XX/2018 charge to debit card XX/XX/2018 {$130.00} charge to debit card XX/XX/2018 {$3700.00} I disputed charges with bank, they said I would not be responsible for these charges. 

I received letter and calls from bank stating if I didn't pay these charges I wouldn't be able to open another account with them. 

I paid. 

I tried to open another account with Chase Bank 2 more times I tried to open bank account with 3 different banks, but I was denied from all banks. 

I filled out a report with XXXX XXXX Please advise what other steps i can do to open an bank checking account. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was a victim of a scam artist that obtained my personal information when i was applying for a personal loan back in XXXX of XXXX. The scammer got my banking information around the XXXX of XXXX such as my acct name and password, and reversed legit transactions i had been making for years, i.e. rent payments, phone bills, etc. For some reason Chase bank never questioned me or red flagged these disputes of made payments. After my seeing what was happening in my acct, i went to Chase and asked them what is a reversed transaction, therefore with the explanation i had to tell them that no these were in fact legit payments- and i dont want the reversed process to occur, since i did not even initiate the processing of it. Due to all of the reversed transactions that were pending, Chase decided to close my acct. I asked my banker if this meant no more checks or payments either going in or going out could occur. She told me no, the acct is closed so there will be no more of either activity. I was expecting to receive my final stimulus check. In XXXX, i still hadn't received my stimulus that i was expecting so i went to Chase bank and they said yes we received it but ur account is so far in the negative that we kept it and put it towards your balance. I was told Chase closed my account by the XXXX, my stimulus came around the XXXX or XXXX. I had even submitted proofs of my filing a police report for identity theft and fraud, and paperwork on my XXXX XXXX and XXXX  of needing to freeze my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.

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 2021-08-10 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: NJ

Complaint narrative:
As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2021, I paid off my Chase credit card in the amount of {$14000.00} ( the payment was due on XX/XX/XXXX, but I was awaiting the last of my funds to register in my bank for the payoff ). On XX/XX/XXXX, I was charged an additional {$160.00} in interest, two days after my payoff was posted and completed. 

I have requested with Chase that they look into this ( XX/XX/2021 ), and was given the explanation of " Since the full statement balance of {$14000.00} was not received by XX/XX/2201 due date, interest charge of {$160.00} was assessed on your account. Even if you pay that balance in full, you'll be charged interest from the date the last statement closed until the payment for the full balance on the account was received. '' ( Sadly, the poor wording is in their response to me, not in my relay of the response. ) They also give a long explanation that this decision is " based upon compliance with applicable terms of our card member agreement ''. I'm frustrated, and believe that this is an unfair business practice, that a one-day late payoff ( if it was just a payment toward the account, I would fully understand ) results in {$160.00} in interest two days after the payoff was made. Had I seen any additional charges at the time I made my payoff, I would have paid the entire balance - but this amount was the entire balance, stated online, to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am furious!! Discover closed my account ( Account number ending in XXXX ) out of the blue for no real reason. They gave me some XXXX excuse and closed my credit card that I had with them for 9 years. This has injured my credit score because I lost credit age that I worked so hard to build up. THIS COMPANY IS IN VIOLATION OF 15 USC 1637a ( 1 ) because they can't close my credit as a protected consumer. As a consumer, my credit can not be " closed '' because I have the right to credit. This is an open ended credit card account meaning, it did not have a close date. Discover in fact closed this credit card account which was deceptive to me as the consumer. they mislead me into thinking this credit card was open ended, under FDCPA 8012, Discover furnished deceptive forms. I believe they closed my credit account in error, as the original creditor under 15 USC 1692g, I did not consent to this credit card account being closed. I want my cards back with all my years for credit reinstated. They even gave me a brand new card, then months later closed both the new and the old cards. I have always paid my cards on time. I am losing my mind over this, I need Justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fraud alert, please add it XXXX

Company response to consumer: Closed with explanation