vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank ( Mortgage Lender ) did the escrow assessment on XX/XX/XXXX. The assessment showed that there was an excess of {$13000.00} which was to be returned within 20 days ( XXXX Timely escrow payments and treatment of escrow account balances ). 

I have still not received the Cheque from the bank after 60 days and it is causing financial hardship because I have owe that amount to the county in supplemental property taxes. 

I have made several attempts to get in touch with the bank to resolve this issue but it has not been resolved yet. Please see details of interactions with Mortgage department of US bank. 

XX/XX/XXXX : Called in to check the status of Cheque. Was told the cheque was never dispatched. Advised to call back on XX/XX/XXXX to request reissuing a new cheque XX/XX/XXXX : Called in to reissue the cheque. Cheque reissued, expected to arrive by XX/XX/XXXX XX/XX/XXXX : The cheque did not arrive. Called back again, chatted with XXXX, ( XXXX ID : XXXX ). Was informed that the US Bank Agent committed a mistake in issuing the cheque on XX/XX/XXXX. XXXX re-issued the cheque, XXXX XX/XX/XXXX. 

XX/XX/XXXX : The cheque still not there. Chatted with XXXX XXXX XXXX ( XXXX ID : XXXX ). Was informed the cheque will arrive by end of day XX/XX/XXXX. 

Almost 60 days have passed since the amount was approved. Not receiving such a huge amount back for a long period of time has caused financial stress and hardship, fines on escrow payments and interest on credit cards. US banks delay is entirely responsible for this suffering

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 2022-05-19 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: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis has violated my federally protected rights. 
I reached out to Bankruptcy court regarding if they furnished the bankruptcy to Lexis Nexis they responded they did not, the letter is attached.. 
I sent Lexis Nexis a handwritten letter around XX/XX/2022 exercising my federal rights and they have failed to respond. 
Lexis Nexis did not have a Permissible Purpose, and bankruptcies shall be excluded per the FAIR CREDIT REPORTING ACT. 
I HAVE NOT GIVING WRITTEN INSTRUCTION TO FURNISH THIS INFORMATION NOR HAVE I GIVING AUTHORIZED USE OF MY INFORMATION TO LEXIS NEXIS. REMOVE THIS INFORMATION TO PREVENT FURTHER INJURIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I attempted to open an account with chase and was denied. I never got an explanation and I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
In accordance with the fair credit reporting Act. 
XXXX  XXXX, XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXXXXXX XXXX XXXX, Account # XXXX, date opened 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 an 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 2022-05-19 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
My credit card was declined today at point-of-sale for no obvious reason. I called TD Bank to find out why, they advised me a piece of mail was returned, and subsequently they froze my credit card. 

The returned mail is an issue with the local post office, which I am addressing, TD Bank had my correct address. I am deeply upset by TD Bank freezing my credit card while making no attempt to contact me. This is not a new card, it is a long established one with a positive payment history and zero fraud, so why would they just freeze it without reaching out? They have an accurate phone number and e-mail address on file for me but made no effort to reach out via either.

Their customer service rep was not empowered to offer me any sort of courtesy credit for the inconvenience/embarrassment of the declined card, which cost me real money as I was compelled to withdraw cash from a ATM with hefty conveience fee to complete my transaction. Nor could the CSR assure me that the card would not be likewise frozen in the future, should the post office bounce mail in the future, which seems likely as I have had this issue with other mail and can not promise the post office will fix it in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XX/XX/XXXX i received a Insurance Check ( XXXX XXXX  ) to pay for repairs to my home because of the storm. I endorsed the check and submitted it to Bank Of America. The repairs never got done because the ( 5 ) contracting Companies I called all said it wasn't enough to cover the work. Since then I became XXXX and my home went into foreclosure and was sold at auction in XXXX. Bank Of America was the servicer but the home was owned by XXXX XXXX  I asked Bank Of America about the check and the Rep at the time told me they were gon na send to to XXXX XXXX. Throughout the foreclosure process I was dealing with a XXXX XXXX  Representative that came to my home every month who at the time told me that the check belongs to me because it came from my insurance Co and XXXX XXXX couldn't touch it they just want the home. I called Bank Of America a 2nd time and the next Rep told me they would send it to whoever purchased the home. I politely to them that the home was sold at Auction as is and the purchaser could not receiver additional funds. I called back a 3rd time and that Rep told me they were going to send the check back to my Insurance Co. I stopped calling about it because i knew i wasn't going to get the issue resolved. I recently thought about the check and decided to contact XXXX XXXX on XX/XX/XXXX. I explained the situation and i was told that they have no records of Bank Of America sending them the check. Unfortunately since the don't own the property anymore they could not escalate the matter. they advised me to contact Consumer Financial Protection Bureau. On the same day XX/XX/XXXX I also contacted my Insurance Co. at the time and they also said they have no records of Bank Of America sending them the check. They went on to say that they couldn't believe this happened and that the check belongs to me. I have the letter from Bank Of America dated XX/XX/XXXX that they have the Money in an account. I also have a copy of the check that the Insurance Co. recently sent to me showing that the check was cashed by Bank Of America 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 2022-05-19 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: OH

Complaint narrative:
XXXX transunion llc took one of the dismissed bankruptcy off and not the other one when both of the dimissed bankruptcy are attached, just because somebody file bankruptcy does not mean they went through with the process. I also went to bankruptcy court in XXXX ohio and got certified copies of the dismissed bankruptcy, transunion come back as accurate when it not because most of the creditors are on the XXXX  XXXX which is discharged so they still reporting inaccurate information going by that 3rd party they rely on for information which is 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 2022-05-19 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. The list of accounts below has 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 

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,

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 2022-05-19 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX,,, XXXX  XXXX XXXX,,, XXXX XXXX XXXX 

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,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am in the process of purchasing a home and I found a collection account on my report. I called the collection agency ( IQ DATA INT  XXXX XXXX XXXX XXXX WA XXXX XXXX ). They confirmed that this is not my account and that it is reporting wrongfully on my credit report. But, they refuse to remove it on their side. They told me that I need to find the person that owes it and make them pay. That is not place to make someone else that owes them money pay their collection while they damage my credit. This is reporting to both my XXXX and XXXX bureaus and should be removed immediately. 

XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank received a deposit from my employer on Thursday, XX/XX/XXXX in the amount of {$270.00} from XXXX. 
I went to the gas station to use the debit card issued and it was declined. I went back across the street to ask the financial wellness consultant, named XXXX XXXX to fix the problem as I had just left from speaking to him about an overdraft to my account and he informed me that my card would not be working until i speak to the manager XXXX XXXX and that he would not be in the office until XXXX XXXX. 

XXXX XXXX contacted me by phone on XXXX XXXX around XXXX XXXX. and told me they are closing my account and do not wish to have a business relationship with me even though it is not a business account only a personal account. I believe this was a hostile response to a visit I made to the bank on Friday, XXXX XXXX after I requested a w9 form so I could claim both sides of the ledger and report the W9 to the IRS. 

This has caused me a huge convenience and they have refused to give me the W9 and all of my statements and did not provide the phone number or address to their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Atlanticus Services Corporation
State: MS

Complaint narrative:
In Accordance with the fair credit reporting act, XXXX  accounts : XXXX, XXXX, XXXX, and fortiva  have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: Conn's, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-05-19 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau did not perform an investigation

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 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a vehicle loan with SunTrust Bank XXXX Now Truist Bank ). I pay extra payments each month and I've noticed that they charge interest charges on every payment. This has been going on for some time now. I went to there branch on XXXX XXXX in XXXX, Ga last month to address the problem and to stop making additional payments by recurring payments and they still haven't corrected the problem. I called their main loan office today and they are still taking additional payments and charging interest, and they were not much help!

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 2022-05-19 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: Colony Brands, Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Monroe & Main Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open an end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I have opened a checking account in Truist Bank at the branch XXXX XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XX/XX/2022. I deposited some amount eg : {$1400.00} Something. I tried to XXXX some amount to my colleague etc, However, I probably put a wrong phone/email and they locked my account. I tried call them as it directed at XXXX, Option -- 2 then option 3 -- then option 1. But they could not unlock my account and confirm the transfer. They told me to wait for letter to come in my home address but it's been 3/4 weeks they haven't send me any letter to unlock account. Therefore, I went to the branch and tried to unlock the account, I gave them my Bank ID, phone number, SSN number, account number, Driver 's license to draw the money and close my account. The teller said they can't unlock my account-she informed someone over the phone so they will email her and then they will call me in 2/3 business days. This is a bad experience with Truist bank. They are holding my money and not doing their job. 
I had same kind of issues with XXXX XXXX  and XXXX  XXXX XXXX -- My account got locked and they resolved it over the phone in 2 minutes. For Truist Bank, they are taking 3/4 weeks and still they haven't returned my money and close my account. Can I get help on this issue? Attached one of my Truist bank VOID check. XXXX. 
Thanks, XXXX XXXX email : XXXX phone : 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