vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I feel that BB & T intentionally applies debits to my account before they apply my credits. I was told when I call that there pending charges for today ( XX/XX/21 ) would be processed at XXXX XXXX XXXX but my paychecks which are also scheduled to be applied to my loan overnight tonight would not be applied until after XXXX. In my opinion this causes consumers to be hit with overdraft fees. I noticed today that my automatic payments have already been applied as pending charges this morning and my account is overdrawn. Those charges are not scheduled to come out until overnight tonight when my check is scheduled to go through. I called the bank and I was told that they would apply my check first and then debits and there would not be fees. The next breath I was told there could be fees applied. I do not feel that their customer service representatives are clear on how automatic deposits are handled on Thursday evenings in connection with how debits are applied on Thursday evenings. The only way to prevent {$140.00} worth of overdraft fees is to come up with {$340.00} before 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 2021-06-17 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: IL

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 163 DAYS SINCE I FILED A DISPUTE. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
Good morning, XXXX XXXX XXXX from called from Brett Borland Law Office in XXXX, GA. I assume she found my business number on my website and called it. That is illegal. She ordered me to return her phone call by XXXX XXXX that day. She is not my lawyer. I do not have to answer to her. As a courtesy, I instructed her to call my mobile phone one time and one time only as a VM. I asked for her identification information and she became irate and started yelling at me. I had to end the phone call. I only asked for her phone number and address. She began to badger me for my birthday to identify me. She called me. I keep asking for her address that's all. 

I believe this relates to the complaint I just filed against XXXX and XXXX XXXX XXXX late yesterday. 

If she is calling about a debt, she can mail it and send it in writing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Debt was paid off in XX/XX/2021. I called midland funding in XX/XX/2021 and they told me it would be deleted the following month. They have been reporting to my credit report that I still owe the balance in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have disputed the account and they are still saying I owe the balance. Midland Funding, LLC. Is falsely reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday, XX/XX/2021 someone was able to " append '' themselves to my wife and I checking account on Chase. This person pulled from our ( wife and I ) checking account {$18000.00} and from my step-sons account {$1300.00}. As soon as we found out we reported the incident to Chase as a potential identity theft case where my wife was the victim because it seems that they used her information to access our funds. What CHASE did was to open an Identity Theft claim case and supposedly sent us some paper work to fill in. 
Today XXXX, XXXX almost a week after we filed the complaint ( on Saturday the XXXX since that's when we found out about the issue ) with them we have not received the documents. Our claim is not being worked on, {$19000.00} were transferred to a scammer without a single notification to us as the owners of the account. Not a single phone text, email, nothing, in total silence. Because we did not know about this, we also made purchases and ended up getting overdraft and charged a {$34.00} fee by CHASE. 
The transactions appear as " Phone Transfer ''. We have never made this sort of transactions before. In addition, I noticed that in their mobile app you can now open an account with your phone. I wonder if this new software update allowed a scammer to create accounts with an information stolen without having to go to a branch. 
CHASE has been absolutely shady about this with us. Nobody seems to understand what's going on. We have the routing number and the account number of this scammer since my wife was able to see this new account from her login. Look how poor security CHASE have. 
Please, we need help. We called the police and the police can not file a report because they do not have the bank paperwork that is supposed to arrive before they can file a report. Too much bureaucracy and this family needs the money which is being held by CHASE. 
I thought that belonging to a big bank was going to add a protection but after being a customer for 10 years and having also my business account with them, Chase has not shown any appreciation for me and my family. 
I can submit more evidence if requested. I have screenshots of my wife 's login and the ability to see the account that stole the money from us and how the owner of this account split the money across multiple other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a cash deposit to a Chase ATM on XX/XX/21 of {$1400.00} The machine errored out and ate my deposit. I was able to get {$300.00} out of the machine. 
I called Chase as soon as it happed and they said there claims department was closed. I called the next morning the said the would process the info and issue a credit to the account with 13 hours or 1-2 bus. days. It is now the XXXX bus. day. I called and was informed that there was no money in the machine and it would take 10 days for them to investigate the issue. 
I gave them the machine number ( XXXX ) and the Sequence number ( XXXX XXXX and the address of the Chase ATM ( XXXX XXXX XXXX XXXX, XXXX AZ._ along with the error code on the machine ( XXXX ). 
I told them I was able to get out XXXX for a total of {$1100.00} That I was do back. 
On Thursday, XX/XX/21 called and asked to speak with a sup. They told me that it would be an additional 10- days because they were investigating. 
I have bills to pay and no additional time to wait. This is on Chase not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have reached out to Equifax ( EQ ) over 25 times regarding this matter each time being hung up on or transferred into dead air. 

I have asked that EQ follow the guidelines of the FCRA. 
I have reported REPEATED VIOLATIONS of the FCRA to the company as well. 
The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved. 

When i asked EQ who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that EQ is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for EQ to furnish a report - i am hung up on. 

According to the CFPB and the FCRA Equifax needs to have my written authorization which gives instruction or permission to furnish a report on myself. 
I have asked EQ to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that EQ delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MO

Complaint narrative:
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've disputed my date of first delinquency for my XXXX XXXX. trade line with Experian and each time, they've changed the date the trade line should be deleted. The most recent deletion date was to be XXXX, 2021 and it is still on my credit report. I believe it should've been earlier but had to accept this date and Experian nor the other credit bureau agencies deleted the trade line.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account and made one purchase at XXXX. I understood that I would receive a card and statement in the mail. I did receive the item purchased fairly quickly but waited to receive a statement. One did not arrive until XX/XX/2021, a full 3 months after the purchase and to date I have not received the credit card. Without the credit card or statement I did not have the account number nor the phone number to know how to contact the company. When I did receive the statement on XX/XX/2021 it indicated {$100.00} total fees charged and interest charged of {$2.00}. The statement I receive does not indicate the item purchased or the amount of the purchase but based on simple math it would appear that the items purchased was {$25.00}. 
I called to make a payment and to ask why I had not received a card or a statement prior to this date. I was told that the statements were paperless ( which I did not request ) and they only verified my address but had no response to my inquiry about the card. I have always paid my bills and would have done so with this company had I received any information. I did not find any emails and can only assume that they went to spam and eventually disappeared. 
The representative do nothing to abate my concerns and told me they have now closed this account. I did pay all of the balance due on the account but can honestly say this is the worst experience I have ever had with a credit card company. Not only will I not use this company ever again, I will not be making any further purchases with XXXX since they are using this company.

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 2021-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MI

Complaint narrative:
15 USC 1681b and 12 CFR 1022.3h 6 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MO

Complaint narrative:
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NY

Complaint narrative:
I am writing you because, I sent the 3 bureaus numerous letters about fraudulent and inaccurate information on my credit report and also asked them to show me how they verified this information was true, being that I already told them its not mines, and till this day I still have not received a response from them. I never opened a XXXX account in my name and that is on my report. Also, I never authorized any furnishers to report on my credit and they can not prove that I did. So its taken them more than 2 months to respond to me and I never authorized them to put anything on my account and these fraudulent accounts and late payments need to be removed.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I found 13 unauthorized ATM transactions on my Netspend online account review. Please note that every transaction listed happened while I was at work with the only card on the account in my wallet. I will list them all so you have history. I will not agree with their findings and filed a police report and was assigned a detective. 

Posted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d Credited XXXX XXXX $ XXXX atm fee Credited Posted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX w/d $ XXXX atm fee $ XXXX w/d XXXXXXXX XXXX $ XXXX atm fee The total not credited is {$910.00}. I filed a dispute with Netspend and they have determined that they find no errors with the activity based on the PIN used and previous transaction history. I have a detective trying to obtain a search warrant for atm video but XXXX XXXX is requesting the card number used to obtain the search warrant and Netspend will not release the card number issued to me stating that I need to have legal counsel contact their legal department for that. After over a month of contesting their findings and pleading my case they have closed the dispute and I am still out {$910.00} that was fraudulently taken from my account. 

Please contact me with any futher information you may need. 

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 2021-06-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 contacted Equifax to dispute fraudulent inquiries. I submitted the FTC report they requested. 
As you can see they still have not deleted the XXXX inquiry even with the document stating they will.

Company response to consumer: Closed with explanation