vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA. USAA has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and ( 2 ) Affidavits of Truth to USAA as they have violated me as a Federally Protected Consumer. Most recently, I have mailed them a Notice of Default and Opportunity to Cure. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX XXXXXXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX  XXXX A {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXXXXXX XXXX  ( inquiry )

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 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-03-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against Synchrony Bank XXXX located in XXXX, Alabama. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
At XXXXXXXX XXXX EST, I received an email from Paypal saying I am no longer eligible for funds. In the email they said : " We've made this change to protect your account and to keep the PayPal community safe for buyers and sellers. We'll let you know if your account becomes eligible for Funds Now again. 

You can learn more about why your money from sales might be placed on hold and what you can do. '' 7 minutes later, I get an email being told I can no longer do business with Paypal even though today, I used it for XXXX, XXXX eats for food, making purchase on phone, and receiving fund from a fund. They claim unauthorized activities that I have NEVER participated in, unless they consider buying food and XXXX trips as gambling. I called for representative and they wouldn't tell me what caused the ban out of nowhere and they were so rude and crass about how these funds, which I use for food, I no longer have access to. I have never in my life experience such a horrible experience with Paypal. I have been a loyal customer for several years and took great care to abide by terms of service. I have used my account to raise money before, by doing paypal pools or linking my paypal.me which people used to send money when the paypal pool link wasn't working. I have {$7700.00} that is currently on hold that Paypal is preventing me to having access to said funds. I am very upset and frustrated and I have no problem showing all my transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying to resolve this problem and it has been very difficult to get answer to the questions about this issue. I am definitely not hiding from anyone, but I need help, not my credit destroyed! Its everything I own, and the fact these companies dont help customers like myself when problems happen.

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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on or around XX/XX/XXXX my taxes were due for XXXX county in the state of georgia i went to my local post office near my work and place my taxes payment written on my checking account with chase bank i actually went inside of the post office making sure i did not leave it in a mailbox on aroung the XXXX of XX/XX/XXXX i recieved a notice saying XXXX county never recieved my taxes payment eventhou i had checked to verify my check had been cashed after gettin a copy of the check i had sent form chase bank we realized the check had been cashed thru an account with XXXX XXXX i filed a fraud claim closed the acoount but have been told by my bank chase that they must recieve the funds from XXXX eventhou the check was made out to XXXX county tax comissoners i have called several times and only to be told they are waitng for XXXX XXXX XXXX to respond this has been goin on since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Somebody opened a credit card in my name. I called ( per the instructions on the FTC website ) to resolve this matter and the Fraud Department refused to help me. They stated that I could not verify the correct information ( because I was calling to report fraud, someone fraudulently opened a card in my name ) and refused to help. I gave all my correct information, which would match my credit report or any background check and they proceeded to state I wasn't who I said I was and that the account didn't belong to me. After I was calling to cancel this credit card that was opened fradulently and sent to my parent 's address! And this was the companies fraud department!? The manager refused to help me as well. I first spoke with someone named " XXXX '' then the manager " XXXX ''. Both refused to give last names. " XXXX '' gave an employee # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent request to have information validated and I have not heard anything.

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 2021-03-04 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2021 there was a hard inquiry added to my report for a mortgage loan.I was at home when i received the alert. I have never inquired about a mortgage loan. I would like to get this removed from my report as it is incorrect or an error.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a dispute with Capital One bank as a merchant was non responsive to providing me an airline voucher that I had received for to the pandemic. Capital one then denied the claim saying I didnt provide enough information, which in fact I did. I called to follow up the last week do XXXX and was told to disregard a letter that I would recieve on XX/XX/2021 and that my claim was still open. I called today XX/XX/2021 and the manager XXXX informed me that the agent last week had lied to me and that the claim had been closed. I then requested to see why and If anything could be done and she said no. You can request the recorded calls to review how this was handled unprofessionally and incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went on a trip to visit my family out of state. When I returned someone broke into my hose and took documents and everything of value. Not only did they take my documents they found a way to get into my bank account and steal my money without me knowing. They accessed my account and took out over {$5000.00} dollars. It is my savings and all of the money I have. I tried to tell the bank it was stolen but they say I did it! When I was out of state! The bank says I let someone take my information and they will not help me get my money back. I filled a police report and they still will not listen.

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 2021-03-04 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:
Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  {$120000.00} ( late payments ) 2. DEPT OF XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX  {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst FCU has violated XXXX XXXX XXXX by continuing collections after a cease and desist and XXXX XXXX XXXX by failing to report accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two XXXX XXXX accounts at being 47 % utilization. 
These reports are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I started my XXXX I was told by Bank of America I can only open up a secured credit card through my XXXX which I did and gave {$1500.00} to them for a CD. They never graduated the account and now would like to just close it out and request back my money from the certificate of deposit.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Good evening, I come once again to remove incorrectly reported Public Record, Im having a hard time with getting Experian to comply with FCRA section 609, I have disputed a incorrect address on my credit report, this address is associated with a reported Public Record, Experian agree and removed the address, as well as the furnisher of the information, XXXX XXXX, however, the feel that thier not obligated to remove the Public Record associated with the address, the FCRA requires that any information on your report wrongly reported is grounds to remove that item, Im asking Experian to please honor FCRA and remove the Public Record on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a personal check in the amount of {$1000.00} on Saturday XX/XX/2021 to my Bank of America account at an in-person teller. 

I was told at the time of deposit that a hold would be placed on the funds until Wednesday XX/XX/2021, which I took no issue with. 

Later, I was notified that the hold would be extended to Wednesday XX/XX/2021 which, to my best reading of the Expedited Funds Availability Act, is in violation of the law. 

Regardless, after I could not get the hold released, I asked for {$400.00} of the funds which, again, the XXXX appears to entitle me to at *least. * Again I was told they would not release a single dollar of my money. 

I even brought up the act and the person I was talking to was doing internet research on it just to figure out what it even is .... which indicates to me that the bank is likely just dismissing the provisions of the act if their own employees arent at all familiar with it. 

No written notice was given that were enacting any kind of exception hold ( and even if they had, that would expire before they release my funds anyway ) and no explanation was given for the full week extension of unavailability of the funds. 

This is very frustrating and, as far as I can tell, illegal. 

I doubt that any action will be taken that could remedy my situation any faster than just waiting another 6 days will, but hopefully there is something that can be done to force them to follow the law. 

Thank you and take care. 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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ  without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. 

My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and ex-husband XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for XXXX XXXX in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. 

This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. 

I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and PEI to XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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