vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On Thursday, XX/XX/XXXX, my fianc and I went to a Chase Bank location in XXXX, WA to deposit a check issued to him from XXXX XXXX and endorsed over to me for the amount of {$27000.00}. After around 2 weeks, Chase froze all of the funds in my checking account including the above check and is currently in the process of closing my account as they believe the check is fraudulent. After speaking to Chase on 3 separate occasions on XX/XX/XXXX and XX/XX/XXXX, the only way they will release the funds to me or back to my fianc is by calling a verified phone number. When they run his phone number in their system, it does not verify. They also refuse to release the funds to him or me in person with government issued IDs as well. We have also called XXXX XXXX to see if they can claw the funds back, but are unable to as Chase has now froze them. We need this money as soon as possible and the other money that was in my account to pay for my education and Chase is making this impossible. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted Transunion about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-06-08 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: LA

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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened my new Citibank business checking account with an offer up to a {$2000.00} cash bonus at Citi branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

The bonus term : To qualify to earn up to a {$2000.00} cash bonus, open a new Citibank business checking account between XX/XX/XXXX, and XX/XX/XXXX. Then, make a qualifying deposit in New to Citibank funds to an eligible account within 30 days of account opening and maintain that balance for 60 consecutive calendars days. The cash bonus will be credited to your Citibank business checking account within 90 days from the end of the month in which you completed all offer requirements. 

My new Citibank business checking account was opened on XX/XX/XXXX and new to Citibank funds {$100000.00} more were posted on XX/XX/XXXX and XX/XX/XXXX. So, my new funds in Citibank within 30 days of my account opening. 

{$100000.00} more funds were available on XX/XX/XXXX and need to maintain to XX/XX/XXXX for for 60 consecutive calendars days. I maintained my fund until XX/XX/XXXX which was more than 60 days. 

I should receive my cash bonus {$1500.00} by XX/XX/XXXX but I did not. So, I contacted local branch and the manager told I need submit W-9 form then I sent my W-9 form to the banker who opened my Citibank business checking account . My W-9 form was submitted on XX/XX/XXXX. 

As of today XX/XX/XXXX I still not receive my {$1500.00} bonus since my Citibank new business checking account opened 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 monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ). 

The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!! 

So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ). 

4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN. 

Where did the {$350000.00} go??? It just disappeared!!! Without a trace. 

On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!! 


Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!! 


TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed. 



This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions. 


When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: TN

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B 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 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
name of the account XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX 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 2023-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, to whom it may concern, My identity has been stolen, and 6 institutions did a hard inquiry on my credit report, and i didn't authorize any of them.

I'll list the 6 below, please help remove these from my credit report and prosecute the offenders that stole my identity. 

( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX I called XX/XX/23 ( XXXX ) Barclays Bank of Delaware  XXXX ( XXXX ) XXXX Application # XXXX, XXXX XXXX, was denied Called XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX Account ending in XXXX Amount owed {$7500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Card issued XX/XX/23 I called them XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX called XX/XX/23 ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please help prosecute all offenders to the extent of the law and PLEASE help remove all this fraudulent activity from my credit reports. 

Thank you 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 explanation
Consumer complaint received 2023-06-08 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: IN

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a inquiry removal form to TransUnion. It has been well over 30 days and there is still inaccurate information being reported on my consumer report. There are 18 unknown reporting hard inquiries being reported. There have not been any updated information to resolve this matter. Pursuant to 15 USC 1602 the consumer has the right to dispute inaccurate information reporting on the consumer 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 explanation
Consumer complaint received 2023-06-08 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: 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.

The letters are stated with items and issues.

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 2023-06-08 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: 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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX  # XXXX has XXXX 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 non-monetary relief
Consumer complaint received 2023-06-08 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: 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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX # XXXX has XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Please advise I have ics collection service responded back to cfpb and does not recognize this debt collection. This is not my debt and I want this removed from my credit report as I have reported this to XXXX XXXX  and XXXX and this has not been removed from my credit report. Ics collection services was contacted numerous times about this by cfpb and has no knowledge of this debt can we please get this resolved and removed from my credit report thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have had a car title loan with mariner finance for several years. I have noticed that for a least the last 10 payments that I have made to this company doesn't reflect in my payment history. I am absolutely sure that there are some bad apples running this company. I haven't been the best of paying my bill on some occasion because of sickness but when i have paid it doesn't show on my account. Iam at the point i am not going to make another payment until someone explains to me what is going on with my account. The vehicle in question is no longer running anyway an to have to make payments that are not trying to help me get through with this loan, someone needs to contact me an explain wats going on or else we will end up in court.

Company response to consumer: Closed with explanation