vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a Truist Bank money market acct. with over {$24000.00} balance. I authorized my XXXX bill of {$11000.00} to be paid in full from that account. My XXXX  acct. balance showed the payment ; on the next line up was an item I did not recognize. It was {$5700.00} " pending '' for an entity called " XXXX XXXX '' ( " XXXX '' ). The " pending '' amount is exactly XXXX the amount of my previous PAID balance. 

I XXXX XXXXXXXX XXXX found innumerable complaints about this practice. I saw posters who had issues with Suntrust ( a predecessor bank to Truist ), Truist itself, and XXXX itself. There was talk of a class action to challenge this practice. When I called Truist to inquire as to what they were doing I found out that, because my XXXX  payment was processed on a Sunday, they withheld 1/2 of the amount of the XXXX payment for a few days while it " cleared ''. I had never heard of this practice before ; it may have begun when Truist bank took over. 

I did not understand because : 1 ) the bank had already processed the payment, 2 ) the funds from which the payment was processed are IN that bank, and 3 ) the credit card itself is a BB & T ( another predecessor to Truist ) product. More troubling was the information that, during the so-called " pendency '' of this phantom item, the funds ( in my case nearly {$6000.00} of MY OWN MONEY ) is neither available to me nor earning any interest. 

Is it legally allowable and acceptable for the bank to put a mysterious hold on its customers ' funds, to prevent the customers from accessing those funds, and to fail to pay the interest it is obliged to pay on a money market fund?

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 2022-05-13 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: TX

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. US DEPARTMENT OF EDUCATION # 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. 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. These are clear violations of my federally protected rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state. 

The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround. 
Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed. 
Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX regarding debts that Central States Recovery have in their office that I am wanting to settle and resolve. In XXXX I had a successful Chapter XXXX that discharged a lot of my debts which included debts they had in their office. In XXXX of XXXX, I filed a Chapter XXXX bankruptcy that covered new debts that I had in their office. On XX/XX/XXXX, my Chapter XXXX bankruptcy was dismissed, so I contacted Central States Recovery regarding the debts I knew were included to attempt to settle them and get them closed out. I gave her approximate amounts but she said that she couldn't find the exact amounts. So I asked her to just tell me the ones the showed reactivated and asked for date of service. When she began listing the ones that were covered by my Chapter XXXX I advised they were not to be collected on because that case was successfully discharged. She was very rude, over talked me, laughed and said she had been collecting debts for 20 years and had never heard this and didn't know what to do. I then asked her to please not listen to respond but to just listen to what I am saying and that I had a successful chapter XXXX discharge in XX/XX/XXXX, so debts before that date were uncollectable and that I just wanted to take care of the current ones. She then again rudely interrupted me and said that she had a notice that my bankruptcy was just dismissed. I again exclaimed that she was not listening to me. She then said she was not dealing with my accounts and that legal will just handle them. I want to settle my accounts that are valid but they are also attempting to collect on ones that should not be collected on in a violation of Federal bankruptcy laws. Now she is saying I can just deal with legal because she chose to not listen or understand the situation when I was clearly trying to resolve my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: WA

Complaint narrative:
I have been a KeyBank customer since XXXX of XXXX through applying and approved of a Home Equity Line of Credit ( HELOC ) loan. Repaying loan payment always on time until XX/XX/XXXX when I received a phone call from KeyBank to inform me that my account is delinquent. Monthly payment to KeyBank was through my personal banking bill pay account, on time and never missed a payment for 15 years, and since this loan is a HELOC, the payment amount stay the same through out the life of the loan. With disbelieve, I went down to my local Keybank branch to resolve this issue, but without success. The XXXX XXXX Keybank manager XXXX XXXX XXXX could not even access my account without calling the central office for assistance! 

I had gone through various Keybank departments like the Loss Mitigation Department, and the Enterprise Client Relations ; the case being handled by many bank personnel to include staff within the Loss Mitigation department ; in the attempt to resolve my account issues without results. Keybank had changed my loan account number without letting me know, non-responsive with email communications I had with its Loss Mitigation Department. My loan account had been changed several times without my knowledge, that is, from XXXX to XXXX, then to the current one XXXX. I want to know why my account ending in XXXX was closed without notifying me, and a new account and number established without letting me know with new payments? 

From XX/XX/XXXX until now, 44 months had gone by, none of the issues had resolved, meanwhile all the unjust late fees, penalties, unauthorized and inappropriate property appraisals, and all other fees totaling {$14000.00} were ordered and imposed on my account to drive up the balance owed further. I am a XXXXXXXX XXXX XXXX veteran, served my country for 35 years, and retire in XXXX. Nothing had baffled or tormented me as much until now. 

KeyBank has ruined my credit score by placing derogatory comments on my credit agency reports, deliberately making it difficult for me to refinance or to borrow money, and at the same time encouraged me to reapply for a new or modified loan. I am seeking financial relief from this bank whose personnel are refusing to listen, not compassionate, and not willing to accept wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
Recently, I discovered fraudulent charges that would be part of the identity theft problem. Given that fraudulent charges should be checked and that the credit agency should be inquired, it is important to be able to look for unusual data. However, there is a problem with Equifax that disallows a person to view the data and look for suspicious activity. In other words, Equifax is the problem and is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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

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 2022-05-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: WA

Complaint narrative:
Please remove all fraudulent accounts I have no knowledge of these accounts due to the XXXX data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must 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 2022-05-13 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: WA

Complaint narrative:
Please remove all fraudulent accounts I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: UPGRADE, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX2022 I was notified by my bank of unauthorized charges by the company Upgrade that deposited {$9600.00} into my bank account. I went to the bank and they sent the money back. There were a few checks that were written so the account was to be closed 5 days later. Two days later Upgrade 's subsidiary company XXXX XXXX accessed my account and withdrew {$5200.00}. I went back to the bank and they immediately closed the account and reversed the withdrawal. I filed a police report on the same date. I then started receiving emails and letters from companies stating I had asked for credit cards and loans. I went back to the police department and amended the report to include all of the unauthorized inquiries on my credit history. I contacted everyone that sent me a letter and provided a copy of the police report. I contacted the Credit Bureau and had a freeze put on my credit history. I also contact the Social Security Administration office on XX/XX/XXXX and put a fraud alert on my social security number. Below are companies that have requested inquiries and credit in my name : XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX - Notified XX/XX/XXXX did not apply for loan and to flag as fraud. 
XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card or loan and to flag as fraud. 
XXXX XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX - NotifieXXXX did not apply for a loan. 
Upgrade - Notified XX/XX/XXXX of unauthorized deposit in bank account. Notified XXXX and XX/XX/XXXX did not apply for loan. Provided Drivers license to close account and flag as fraud. 
XXXX XXXX XXXX  - Notified XX/XX/XXXX did not apply for bank account and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for account, close, and to flag as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. 

I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. 

I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. 

I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. 

When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. 

Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On or about XX/XX/2022, I purchased airplane tickets through the Chase Rewards Portal for a family of XXXX that totaled ~ {$3000.00}. The reason was the incentive that Chase Rewards provides about 5 % back. This was the biggest regret due to their misleading practice as detailed below. 

Due to circumstances, I needed to cancel my airline purchases. At the time of cancellation, the following terms and conditions were disclosed to me : XXXX ) all of the passengers need to be present for my future airline credit purchase ( i.e., must be a family of XXXX ) ; XXXX ) it must be the same airline ; and XXXX ) travel must be completed within a year. 

On XX/XX/2022, in abiding by the aforementioned terms and conditions, I tried to book a flight, but was prohibited because of the following additional condition being imposed : if I booked an international flight originally, that I would have to rebook another international flight. Even when I called customer service from Chase on XX/XX/2022, for support, the representative acknowledged that this was not part of the disclosures that were presented to me ( Chase can pull back the actual tape recordings through their QA process ). Now, I am having extreme trouble trying to reuse my flight credit, all in the meantime, the airline ticket prices have gone up in the 2 days for a difference of ~ {$700.00}. 

To me, this fits squarely within UDAAP, and am extremely disappointed at Chase 's lack of pointing out these restrictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2022 I mailed the FIRST Request letter to XXXX, EQUIFAX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, EQUIFAX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, EQUIFAX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, EQUIFAX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my 3 credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, EQUIFAX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, EQUIFAX and XXXX reports : # XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 6 US DEP ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
in accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report Experian : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX ca XXXX XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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