vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with XXXX. 

XXXX XXXX I deposited a check for around XXXX via mobile app. This is my paycheck as a XXXX. 
I am a XXXX to my friends Business, XXXX XXXX XXXXXXXX XXXX. 
The check bounced due to insufficient funds. It was returned. Fees were charged. 
My friend gave me a new check after adding more money in the account. 
I again depostied it via the mobile app. It was not showing anything to be available, and the check was " on hold '' or " pending '' i dont remember the language used. 
I was near a Chase Bank Branch, so I went in to ask them what was going on with that check. 
The teller informed me that because my account was flagged due to the bounced check that this check did not go through when i attempted the mobile check deposit. He said maybe it was because of the amount of money it was for, or because of the flag, but not to worry he could deposit it in person. 
He gave me a receipt, and showed me the new date that I can expect to have access to my money. 
already annoyed because it was another XXXX weeks, all i could do was wait. 
So I did wait, and still no deposit. 
I was connected to all kinds of different special customer service numbers, and they said my account was restricted and onl hold because of the check being deposited TWICE. 
I was XXXX. I took all the actions Chase asked of me to, and had been on the phone with them or in person multiple times every week. They froze my accounts for over a month. No access to my money, no access to paying my bills on time, etc. This was a very serious long term problem, that STILL has not been resolved. They have many notes on my account, and everytime I go in there I leave thinking they really figured it out. And again I leave disappointed. 
Because this was my friends Business Account from XXXX, I had her involved too. 
The money, left the account twice. That's right, her XXXX XXXX account has a XXXX withdraws for this same check. 
The money, close to XXXX is somewhere in limbo. XXXX of my Accounts at Chase was Closed. And this is a huge mess created by XXXX eager and under trained Bank Teller who deposited a check that was already deposited. 
I need to have access to this money and/or my friends XXXX account needs to get back the money. 
This error of the teller has cost me XXXX of dollars in late fees, and has impacted my credit score. I will keep making complaints until its resolved and amends are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-04-30 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX experian, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-04-30 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: NY

Complaint narrative:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : 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 2022-04-30 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: NY

Complaint narrative:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Self Financial Inc.
State: RI

Complaint narrative:
I never opened these accounts : Account name XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. 

Account name SBNASELFLNDR Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Amount {$530.00} Account name SELF FINANCIAL/XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : EQUIFAX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NY

Complaint narrative:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : 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 2022-04-30 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: NC

Complaint narrative:
CBA aka Collection Bureau of America is continuously refusing to send me proof of the debt they are claiming I owe and they have verified. I have now sent XXXX certified letters demanding proof of the debt. I stead they sent me a screenshot of their own data base titled Account Financial History. I have never signed any of this. I never agreed to do business with these people. It is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NY

Complaint narrative:
I have previously disputed Chapter XXXX Bankruptcy Reference # XXXX with Experian and in response Experian verified the item as accurate and have verified the information with the court. I contacted the court and was informed that they do not report to Experian or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2022-04-30 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: NY

Complaint narrative:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : 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 2022-04-30 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: NY

Complaint narrative:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 — Was not notified of investigation status or results
Company: V and H Portfolio
State: OH

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: DE

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Payfare International Inc.
State: MD

Complaint narrative:
I had a horrible experience with delays and unnecessary hardship getting a {$2.00} refunded from this company ( see CFPB complaint XXXX ), so I decided to close my Payfare XXXX account. I sent an email requesting that my card & account be closed, and I received written confirmation from Payfare that my account was closed. My XXXX  was also automatically deleted from my XXXX XXXX wallet, and I destroyed the physical card. 

A few days later, I found out that XXXX had issued a {$4.00} refund to the now-closed XXXX  card for an item I paid for but never received. I sent an email to Payfare asking for a check for the {$4.00} refund that was processed to be mailed to me. At first, I was told I wouldn't be getting the refund because I had closed the account. I sent a second email pushing back on this and asking if Payfare would be keeping the refunded money, after which I received an email from another Payfare agent stating he had reopened my XXXX  account without my permission or notifying me first so that I could retrieve the refunded money. 

My login credentials no longer work to log into the XXXX XXXX, and when I use the " Forgot Password '' feature in the app it says that it is sending a verification code to my email which I never receive, despite numerous attempts. Without a physical card or access to the app, I have no way to retrieve the money in my account. 

To make matters MUCH worse, by reactivating my XXXX account without my permission and without notifying me first, current work earnings from XXXX  XXXX  have been diverted to this XXXX account which should have been closed. With the addition of these funds, there is now {$47.00} in this XXXX account which I can not access. 

I have sent the company numerous emails stating that I can not access the app and explaining my frustration, and they seem to have stopped responding. This is beyond unacceptable. I closed this account and received written confirmation is was closed. Payfare had no right to re-open the account without my permission. Merchants can issue refunds on debit card purchases for up to 12 months, and most refunds go straight to the original payment method without any chance for the consumer to change it. It is unacceptable for Payfare to not have a procedure in place for returning refunded monies to prior customers without re-opening their accounts. I know when I closed my XXXX  XXXX XXXX account, for example, when I got a refund to my debit card 6 months later, they simply mailed a check to me for the refunded amount and did not need to reopen my account without my permission to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
FRCA Violation address XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX I, XXXX XXXX : XXXX XXXX, 2021 {$11000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$18000.00} Needs Attention XXXX  XXXX  A Reported : XXXX XXXX, 2021 {$2700.00} Needs Attention XXXX  XXXX  XXXX Reported : XXXX XXXX, 2021 {$73.00} Needs Attention XXXX XXXX  Reported : XXXX XXXX, 2021 {$190.00} Needs Attention XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$1100.00} Needs Attention

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 2022-04-30 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, as violated my rights. 

15 USC 1681 Section 602 States I have the 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation