vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. 

On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. 

I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. 

I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. 

Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. 

Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. 
XXXX. Complete XXXX or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$500.00} when your direct deposits total {$6000.00} or more

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 2023-03-08 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 — Their investigation did not fix an error on your report
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
XXXX has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with Debt Recovery Solutions. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 G. Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all Debt Recovery Solutions is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days. 
XXXX is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CT

Complaint narrative:
My name is XXXX XXXX I am a PayPal customer with email address XXXX PayPal limited my account and asked for ID, bank statement and proof of address which I submitted with case Reference ID : XXXX But they have not reinstated my account. 

I need this to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been filing four complaints against GOLDMAN SACHS BANK USA associated with four disputes on file, and every time the company provided a response that's NOT associated with the dispute IDs I provided and then they requested the complaints to be closed. Could the company provide responses that are associated with the complaints? 

My iPhone and wallet were stolen last XXXXXXXX, I've been working with the bank for all the disputes, but the bank only removed part of the unauthorized transactions from identity theft, not all of them even if they are from the same merchants and the similar dates with all other unauthorized transactions. These are the disputes that should be included in the identity theft transactions and the bank still asks me to be responsible for the balance even though I provided an identity theft victim report along with a series of police reports ( SR22-7696 ). XXXX, {$1700.00} XXXX, {$1600.00} XXXX, {$860.00} XXXX, {$1300.00} Compliant ID : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
My student loan XXXX XXXX On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit 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 2023-03-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting that I did not pay student loans in 2019. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had my identify stolen and multiple unauthorized transactions were made on my Chase bank account. One of these transactions was a wire transfer that Chase has not yet corrected. 

On XX/XX/2022, an unauthorized wire transfer for {$20000.00} was made to XXXX ( XXXX XXXX XXXX  ). As soon as I found about this unauthorized transaction, Chase was notified and a police report was filed. 

Filed a claim with Chase on XX/XX/2022, claim number XXXX Despite waiting several months and spending numerous hours on the phone with Chase and their fraud department, I have not yet gotten my money back and they are not helpful with resolving this matter. The chase fraud department told me that there is nothing they can do and they can not reverse the transaction. Chase also has not yet been able to contact the recipient bank ( XXXX XXXX XXXX  ) and Chase told us to get our own lawyer to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: DC

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 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 has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-03-08 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-03-08 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or list of inquiries 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 2023-03-08 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 usc 1618 section 602 states I have the right to privacy.

15 usc 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as a 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 explanation
Consumer complaint received 2023-03-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been in communication with XXXX Insurance with fraudulent charges made to my business account since 2021. The sum is a rough estimate of {$1000.00}. XXXX is well aware of the issue and I have done everything on my end that was required to receive funds back from merchant. My bank refunded me per visa and debit card 60 days of charges. I am still owed for the months my bank will not cover as this is not their responsibility. I have been to my bank to obtain documentation to submit to XXXX fraud department which I faxed per their request. It has now been 3 months and XXXX has not notified me of any advance on their part. They simply redirect me to my bank. I have called 12 times and still no resolution on money they were taking out of my account they are aware are fraudulent. I have hit a wall and just want the merchant to reimburse me and give me documentation after so I can file with police to hopefully get resolution legally on person or persons using my info to pay XXXX for whatever it was. XXXX wont release any info per privacy. This has been going on for years, sometimes twice a month and different increments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Phh mortgage is responsible for paying my taxes. I pay them the money and it is put in my escrow and they are supposed to pay the taxes. My XXXX school taxes were not paid in the appropriate amount so the check was sent back to Phh mortgage. This resulted in a debt being sent to the tax claims bureau. Phh mortgage sent the tax claims bureau a check for the wrong amount again. It is now XXXX and the debt is still not paid even though Phh claimed they would cover all fees and late charges. I've sent them the new letter stating that my home can be sold if it is not paid by may XXXX  and they have ignored every single email.

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 2023-03-08 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated 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 2023-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, Transunion, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
this is on my report and it isnt mine and i never gave permission for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase bank closed my account with no explanation to me even though i asked for a reason when i went to get my money out of my account they would not give me my money because they restricted my account that is my money i work hard for my money i will not except a check i want cash in hand this has put me in a bind as i have no cash for food gas or even money for food for me or my daughter!!! i need my money i will take this to court if i need to i do not work for free and withholding a persons money is illegal i want this resolved by today and i want my cash chase bank will not be getting anymore money out of me at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Nelnet, Inc.
State: VA

Complaint narrative:
Here is a summary of what happened Account name FM/FIRSTMARK SERVICED TRUST Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of first mark or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.

Company response to consumer: Closed with explanation