vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo advertises that they may make funds available for direct deposit payroll checks two days early for payroll checks, pensions, and government assistance checks. 
Since XX/XX/23, I have received my payroll check two days early into my account. I work for a government agency. Due to this, I was under the impression that would be the process going forward. I then scheduled bill payments based on this. This is a pay week for me and I believed the money would be in my account on XX/XX/23 as they have practiced this in the past. The actual pay date is XX/XX/23. On XX/XX/23, the money was not applied and I incurred overdraft fees based on the bill pay I had scheduled. On XX/XX/23, I contacted the Wells Fargo Customer service line and spoke with an agent. The agent stated that the two day early funds program is not guaranteed and is not always available. I understand that and the same verbiage is listed on their website, however this a is payroll check from a government agency in which the funds have already been sent. There is no difference in the account of where the payroll check is coming from nor is the amount different. I am paid the same amount every two weeks. It is not best practice to allow early deposits on some payroll deposits and not others on the same customer account. I asked for the overdraft fees to be reduced and the agent would only give a partial credit. When I ask for a supervisor, the agent stated that they could send it for another review while I was on the phone with them. Then the agent came back and credited the entire amount. Wells Fargo continues to enter into deceptive practices that marginalize those who make minimum wages and struggle to pay bills. I plan my bill paying around the days when I have seen the funds available. I will tell you I will never make that mistake again, nor will I rely on Wells Fargo to make my funds available early. At this point, they are making it look like they are helping their customers by offering early pay day but that is not what is truly happening. If I had not pushed to speak to a supervisor and accepted the partial credit, Wells Fargo would have profited off the mistakes I made due to believing that they are truly doing the right thing with their customers by offering early bill pay. Consumers should be educated on this practice and how it can be deceptive since Wells Fargo picks and chooses at their leisure to provide a consumer with the funds early or not. There needs to be a standard that is followed to see that once a consumer receives funds early, this would be the case with every payroll check going forward.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.

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 2023-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been Chase customer for over XXXX  Years. I started with them when they XXXX XXXXXXXX, then XXXX, then Chase. In XXXX of XXXX, Chase sent me a promotion by email telling me that if I visited a branch by XX/XX/XXXX and followed the steps outlined in the attachment, I would qualify to become their private client. I visited a branch and opened a new account on XX/XX/XXXX. The understanding was that after leaving the qualifying amount deposited for XXXX  days, they would credit the account with a {$2000.00} bonus. At that time, they must have known that they were going to close my savings accounts. I had a checking account, credit cards -- which they closed in XXXX of XXXX, a premier savings account, a mortgage, and the account that qualified me as a private client, account # XXXX. Chase kept my money on deposit from XX/XX/XXXX and on XX/XX/XXXX, I received a letter from Chase notifying me that they had decided to close my accounts. XXXX days later, I received another letter telling me to ensure I withdraw all my funds by XX/XX/XXXX, XXXX weeks before the account would be eligible for the {$2000.00} bonus. That is a shady and dirty way to treat depositers, especially XXXX who was loyal to Chase for over XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 antedate 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 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 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 antedate 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 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 2023-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I discovered my info was in the XXXX data breach and was given a settlement Claim along with 7 years of free credit reporting, I have yet received any. I filed an FTC ID Theft Affidavit and sent it all 3 credit bureaus and asked for investigations. 
I ordered credit reports and had found many fraudulant and erroneous info on my report. 
I researched and found out that the addresses EXPERIAN, XXXX and XXXX were either a commercial building or a XXXX. I XXXX not live at a business nor a XXXX. 
EXPERIAN has refused to delete the erreneous addreses and accounts that are clearly not mine. 
15 U.S.C 1681 FRCA everything must investigated and accurate. I believe Experian is violating many rights of mine by refusing to delete the erroneous accounts whilst reporting erroneous and inaccurate information on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not mine and needs to be deleted.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Name is incorrect on my credit report.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX documents were sent XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never received a response. I advised on XX/XX/2022 via US Certified Mail that the case was dismissed against the apartment complex and by law the debt was to be deleted. I never received a response. I also never received a response regarding the previous debt validation letters I sent and notice of intent to sue National Credit Systems for continuing to collect on a debt in which they could not provide proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a cc with discover 2 weeks ago and got approved instantly. Upon getting the card the first issue is they mailed out a card that they later deleted off of my account. The next issue is they mailed out a second card they cant be activated now it will take 2 weeks for verification process. This company is a hassle, unprofessional, inconsiderate, and lack of communication with the customers. Upon this I closed out my account with this company because their lack of professionalism and care for consumers are beyond low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I was told that my car was damaged and needed to get a new car out and that the account was closed and have a XXXX balance. But its showing on my credit report I missed XXXX payments that was supposed to be handled when the account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a XXXX XXXX according to XXXX XXXX. I was told by XXXX they don't do investigations and wouldn't help. 15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. I believe my rights have been violated. I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. I have enclosed my original FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 

XXXX XXXX Opened XX/XX/2017 {$8900.00} was reported to XXXX and XXXX. 
XXXX and XXXX have deleted the accounts already. 
XXXX  xxxxxxxxxxxx XXXX Opened XXXX {$8900.00} was reported to Equifax how can it be accurate when clearly it's XXXX different information. 

Remove this account and stop viloating my rights by inputting erroneous info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBC US personal checking account in XX/XX/2023 and deposited funds from another US personal checking account in the same name. When I attempted to withdraw the deposited funds back to the original external US personal checking account, all online and mobile banking services became restricted on my account and no customer service member could explain or outline what I needed to do to unlock the account and access my funds. HSBC eventually unlocked my account and allowed two instant payments back to the origin account but the stopped the remaining ACH transfers I requested ( I had to do multiple because of the arbitrary limits they put on each one ). They called me multiple times asking the same questions surrounding, " Why are you withdrawing the funds to the same account they came from? '' I explained it was because HSBC account functions were locked previously to me, the entire funding process was taking longer than expected with the lockouts, and I needed to use my funds that week.

HSBC then froze the account and advised me they would keep the funds for 60 days while they " figure out what is going on and where the money should go. '' This is my money caught between two basic US checking accounts owned by me. It is a very simple consumer situation yet they are keeping my large amount of personal savings for 60+ days and not allowing any access to my account details or funds and refusing to offer any explanation. This is extremely financially damaging for a customer in my situation and who was told ACH transfers would take a maximum of 5 business days. I am missing out on making timely payments and on earning interest on my funds all because HSBC decided to take their sweet time to review what is happening while keeping me locked out. This is not what any reasonable consumer would sign up for.

Why doed HSBC get to keep my funds for 60+ days without my consent? This is a very basic ACH transfer situation that was handled extremely poorly by HSBC and damages my ability to make payments and rely on financial services as advertised. I am out a lot of money because of this surprising lockup of my funds and forced to wait an unreasonable amount of time to access my funds. Any consumer could easily get into my situation, all I did was transfer money in and out from the same account via ACH, and there seems to be no accountability for HSBC to honor my requests nor return my funds in a reasonable time. They won't even send them back to the origin! Please help return my funds ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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.

This is not a complaint of verification of 30 days late, but to inform you have broken the laws listed above. I will file legal action if not rectified immediately. I will also be looking for compensation upwards of {$1000.00} per violation as stated in the law.

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 2023-01-25 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from SYNCB, XXXX XXXX XXXX, and XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting SYNCB, XXXX XXXX XXXX, and XXXX  at once, or remove these offending inquiries as soon as possible.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase is holding funds from checks written to my business and wont release the funds to me ( although they have cleared through my clients accounts ). They have been holding these checks since XX/XX/2022. The funds have been released from my clients bank accounts. 
Chase requested a DBA for my business which I did and they still wont release tge funds? Ive requested the checks be returned to me so my clients can cancel them and rewrite them to the correct business name and Chase refuses to return them as they have already cashed them? Its been over 3 months and I just dont know what to do? I hope you can help me! 
Thank you for your time! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Hello, I was part of a XXXX data breach, my SSN was exposed and since then I've had multiple issues with identity theft. This debt is not mine. It took Place in NC and I live in FL. I have submitted disputes with credit bureaus and in the process of submitting fraud alert with the collection agency involved. This has hurt my credit multiple times from unknown debt that goes to collections without my knowledge. 


Original Balance : {$280.00} Current Principal : {$280.00} Interest Due : {$5.00} Total Due : {$280.00} ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 
Account name 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 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. 
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 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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2019. 
I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For years I was oblivious to this XXXX XXXX XXXX co account being opened in my name on XX/XX/2015 balance of ( {$26000.00} ) this account was opened fraudulent and XXXX did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but XXXX is still reporting this charge off

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