vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for two auto loans with Navy Federal Credit Union for approximately XXXX XXXX XXXX XXXX XXXX XXXX  and was denied. I received letters from Navy Federal Credit Union dated XXXX XXXX denoting the reason I was denied credit as I allegedly caused Navy Federal Credit Union a loss. I subsequently sent Navy Federal Credit Union a letter, delivered XX/XX/XXXX, denoting their violations being denying me, the consumer, credit when I put in a credit application in good faith, and unauthorized use of my credit card because I received no benefit from my credit card being used. On XXXX XXXX I received an electronic message from Navy Federal Credit Union stating they had researched my concerns and I was denied pursuant to their underwriting guidelines, as if they were above federal law and my rights. Then, I drafted a conditional acceptance letter requesting certified documents to corroborate the alleged loss, or a new contract will be created involving me receiving the original credit I had applied for. That letter went out on XX/XX/XXXX, and I am awaiting a response currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I opened an account on WePay XXXX XXXX XXXX to enable online ticket sales for our XXXX XXXX XXXX. Over the next five days we sold 10 tickets valued at {$720.00}. On XXXX XXXX, customers reported not being able to pay for their tickets as their payment method was declined. I reached out to WePay and was told our account was closed due to being " High Risk '' and that all our funding would be held for 120 days to cover chargebacks on the account. On that same day I requested to know why our account was closed and what we could do to rectify the situation and get the money back. On XXXX XXXX  I was emailed by a customer service agent saying " after a standard review of the account, our Trust and Safety team has determined that we will not be able to provide our services. All information regarding our review process is proprietary, so no additional information is available in these instances. '' A company shouldn't be able to hold our money and not give us an answer as to why. Last time I checked that's the same as theft. 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. Now we have a commitment with the venue that we've already paid a deposit for and no way to meet that commitment unless one of us takes out a personal loan to cover the deficit. 120 days from now will be far too late to rectify any of this. All I want is the money back so we can continue with our plans and we'll take our business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXXXX 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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened a new checking account at US Bank during XXXX to take advantage of a bonus incentive for opening a new account with the requisite amount of direct deposits. I immediately funded my account with {$25.00} sent through XXXX from my other bank account with XXXX. 

I changed my direct deposit instructions with my employer, who sent me a paycheck overnight in order for me to deposit, and therefore, verify the destination for the new direct deposit instructions. The check was deposited via US Bank 's mobile banking application on XXXX. I was then informed the funds will be on hold for seven business days. As a result of there being four weekends and a bank holiday, I have been without money for days, and I will not have any money for another week. Further, US Bank is verifying a check from a XXXX XXXX business account, and though XXXX, which is one of the largest human resources providers in the world. 

To ameliorate the situation, I spoke with a customer service agent thought their chat function on their website. I asked why they chose seven business days, when their disclosure documents claims funds can take between five to seven business days to verify. Moreover, US Bank publicly discloses that {$250.00} should be immediately available upon deposit, but they do not clarify the conditions to have this amount available immediately. The response from the agent was that I should read the fine print in their agreement documents, and there was no offer of relief nor even compassion for the situation I am currently facing. The agent directed me to speak with colleague whom they claimed was in the department that makes the decisions that prevent me from accessing my own money. That colleague claimed to be in their fraud department, and they have no responsibility for reviewing such matters. They then laughed when I said I have no money to buy food to eat. 

Currently, I have no money and I have not eaten in two days. I can not buy food or gas. I have no friends or family who can assist me, and I am afraid that I will not have anything to eat for another few more days. Luckily, I have water. I have missed four credit card payments. Additionally, my student loan servicer withdrew my monthly payment, which my bank has imposed a overdraft fee. 

This writer also claimed, both verbally and in writing, that I am levying an official complaint. There has been no response from US Bank, while I am not confident they have reported the explicit complaint to the CFPB, nor initiated the actions required by a regulated financial institution regarding customer complaints.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In order to REMIND the XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion Credit Bureaus MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$1500.00} ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6300.00} ; DPT EDXXXX XXXX Balance : {$3900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT ED/XXXX XXXX Balance : {$2000.00} ; DPT ED/XXXX XXXX Balance : {$9000.00} ; DPT ED/XXXX XXXX Balance : {$1200.00} ; DPT ED/XXXX XXXX Balance : {$4200.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT ED/XXXX XXXX Balance : {$2600.00} ; DPT ED/XXXX XXXX Balance : {$5300.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I changed Home insurance companies in XX/XX/2023. My new company was XXXX. Mr Cooper sent a check for {$1700.00} to XXXX XXXX XXXX ( which is not my policy holder ) and XXXX cashed the check for {$1700.00}. They sent a check for {$1700.00} to XXXX shortly after and I happened to notice my escrow was short and saw the mistake and they put a stop payment to XXXX since XXXX already cashed the check. I called and talked to Mr Cooper, they said no big deal, XXXX will give the money to XXXX and apply it to my policy. It was never applied to my policy and right now Mr Cooper owes XXXX {$840.00} on my behalf. So I swapped insurance companies again in XX/XX/2023 and asked XXXX about a refund from the remaining balance they should have paid and was told they were never paid. So now I send 10-20 secure messages a week to Mr Cooper and call every week and just get the run around. XXXX wants copies of the check that was cashed faced to them, so we do this every week and fax the check and have made 0 progress recovering my {$1700.00}, that Mr Cooper sent to the wrong place. I have sacrificed a lot of my time and effort doing their job because they gave away my money. Currently since XXXX, still no refund or progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
First Progress is a secured credit card. I paid my balance in full and had not used the card in several months. I started to recieve statements charging me late fees and I did not understand what I was being charged for, and the statement did not have any information or purchase that I had made. When I opened the statement I was shocked to find late fees amounting to {$200.00} on the back of the First Progress statement states " if you think there is an error on your statement write to us at : synovus bank XXXX XXXX XXXX XXXX XXXX, TN XXXX so I sent a letter simply stating that I think there may be a mistake, because I had not used the card and wanted an explanation of the charges. I was sent back a copy of 3 statements that were identicle to what they had mailed. They did not give an explanation of the charges and included a letter stating they were closing my account and keeping my deposit. All i wanted was an explanation of what I was being charged for, they also state While we investigate whether or not there has been an error " that we can not try to collect the amount in question or report you as delinquent on that amount. As of XX/XX/XXXX I have not been provided with any explanation and I am not sure what " investigation '' was performed by them. They also violated my rights by charging me an additional late fees and kept my deposit. I have maintained the account since XXXX. Although I am fine with my account being closed, I still have not received any assistance with what i am being charged for and how they justified keeping the deposit. In summary First Progress has provided zero information to me regarding my balance or justification for stealing my deposit in response to me simply requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: VA

Complaint narrative:
Dave banking has nice tv commercial and good account management But, unfortunately, behind it lies non-compliance with Mastercard rules about zero responsiveness for fraudulent transactions. 
This company did not even provide a response from the payment system ( MASTERCARD ), stating that their incomprehensible system somehow miraculously revealed that transactions such as cash withdrawals in another state were made by me. I submitted this case to the cyber police. They do something, but the banks decision does not depend on them.

In response to my request to provide me with documentation that it was me who made the transactions, they sent some incomprehensible PDF file from their computer that all transactions were valid.

So I can also create such a file on my computer in the program and write whatever I want. The DAVE platform is completely inadequate to provide banking services. So whoever is a fraudster can freely copy the card or spend money from a thiefs wallet anywhere, but its easier to find out the PIN code of the card and withdraw someone elses money. 
You won't be caught. I hope that the money taken from me will go to someone for medicine to scammers or who works in this miracle banking

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Equifax has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXXXXXX  Equifax credit report showing the inquiries in question, circled in orange. I do not recognize a single inquiry on this report and therefore request every single inquiry circled be removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I did not receive the promised products that I paid for. I used XXXX XXXX and made a payment of {$350.00}. The transaction id is XXXX The transaction was made at XXXX XXXX  Central Time on XXXX 

I was supposed to buy a XXXX XXXX for {$350.00} and the person set me a bag full of bricks instead of a XXXX XXXX. 

I have called Bank of America, and XXXX XXXX they were both not very helpful.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute this inquiry and request that it be taken off my credit report as a result. 
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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I was unaware that the hospital was pursuing a debt that occurred over two years ago. Upon discovering this information on my credit report, I contacted the collection agency, but they were unable to provide details. Subsequently, I reached out to the hospital, only to find that they lacked coherent information as well. In an effort to clarify the situation, I obtained my medical records, which incorrectly stated that I was transferred via ambulance. In reality, I initially sought care at XXXX XXXX, but no information was collected during that visit. Unfortunately, due to the urgency of the matter, I have no recollection of that day. 

I am seeking the removal of the medical debt from my credit report based on the provisions outlined in XXXX XXXX XXXX XXXX known as the Consumer Protection for Medical Debt Collections Act. According to this bill, consumer reporting agencies are prohibited from including medical debt arising from a medically necessary procedure or other medical debt less than a year old on a consumer credit report. Additionally, those reporting medical debt must notify the consumer about these restrictions before including it on credit reports. Moreover, debt collectors are prohibited from collecting medical debt less than two years old.

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