vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Six months ago, Bank of America opened a savings account associated with my existing account without my permission. I immediately called and had the account deactivated. My BoA username and password were changed, and two-factor authentication was added. This week, BoA opened ANOTHER savings account without my permission. I have not called on this account because it seems like it is someone with BoA, not an outside scammer, that is opening the accounts.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The car wash I attend had a malfunction and my car was affected so the gentlemen wrote me a check for a repairs the check is funded by the car wash. I cashed the check with my bank account. Chase they said it would be released next day. Then it was on hold for 14 days. I thought it was just because it was a newer company or something but then my entire account. Was restricted. The chase representative said it needs verified through their account and the company is not showing up or the number I provided. They cashed the check but I do not have access to the funds. Asked me to have the provider recall the check. I advised Im trying to not make the situation worse and asked them to send it back they refused. Refused to release it said they cant verify it when I gave them all the info I have. Said if its not verified it will just sit there until chase can verify it with their system and locked ky account and all my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION XXXX XXXX XXXXXXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXXXXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SEACOAST BANKING CORPORATION OF FLORIDA

Complaint narrative:
Was happy customer of XXXX XXXX .bank bought out XX/XX/XXXX by seacoast Bank XXXX I live in XXXX but a Us citizen. Never received debit card?, they promised XXXX XXXX to move money and close acct. Never complied. Tried to do a wire transfer to a friend in XXXX XXXX XXXX XXXX acct nada. Spoke wut various managers over this month including XXXX XXXXXXXX XXXXr manager. Communication very difficult from XXXX as no land lines. Don't even know my acct numbers! My XXXX acct XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: InDebted Corporation
State: CA

Complaint narrative:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from INDEBTED USA INC. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. XXXX XXXX rausch and strum 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 explanation
Consumer complaint received 2023-07-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/2016 ) is wrong. Please remove this account. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: AZ

Complaint narrative:
Thank you for taking the time to read this, this is more about the culture of the website not so much about the complaint of debt owned. The website is https : //www.arsnational.com/. There are promoting this on their website. " ARS is dedicated to fostering an environment that appreciates humanity. ARS respectfully promotes cultural awareness and treats everyone with kindness. As a method to increase cultural competency, ARS : * provides continuous education on diversity, equity, and inclusion, * promotes various ethnic events, and sponsors the development of Employee Business Resource Groups ( EBRGs ) to cultivate inclusiveness while ensuring that all team members thrive.

ARS is passionately driven to solve complex challenges involving diversity and inclusion. ". Idk if you guys are aware but if diversity, equity, and inclusion are used in the way the current government has been using it. Promotes racism, lack of education leads to better job candidacy then those who qualify for certain positions, which can lead to dangerous situations, and their aim is in education. Which if you are aware has lead to some very bad books being shown to underage children. It might just be me but these keywords are a big red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I was notified by Carter-Young Inc. ( company representative XXXX XXXX ) that I have a debt collection from XXXX Before that, I received only one call on XX/XX/XXXX, but I could not respond due to travel. I have NOT received any communication from the debt collection agency or the original creditor about the supposed debt since the first delinquency date of XX/XX/XXXX ( this is what is stated on my credit report as of now ). 
On XX/XX/XXXXXXXX XXXX  I sent a written request to the debt collection agency asking to verify the debt ( please, see the attachment with proof of mailing ). I asked to show the original contract and explain what caused my obligation to pay the debt. Moreover, the company representative, XXXX XXXX, on XX/XX/XXXX phone call mentioned that the company used my SSN to verify the debt. I asked to explain how they could do that if I only arrived in the United States on XX/XX/XXXX for the first time and was issued SSN later. This is four months after my credit reports claimed delinquency date ( XX/XX/XXXX XXXX  ). It has been one month, and I have NOT received any response from them. 
I believe my consumer rights were violated in several ways : - The debt collection was reported to the major credit bureaus without informing and verifying the debt with me first. I have NOT received any communication/calls from the debt collection agency or original creditor before XX/XX/XXXX. The collection was reported to credit bureaus on XX/XX/XXXXXXXX 
- The collection agency has failed to prove the debt within a reasonable time frame ( 1 month ). My request for verifying documentation was not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I've had an online savings account with Marcus by Goldman Sachs for several years. During that period, I changed my address and phone number, although continued to make deposits and receive communications from Marcus via the email address on the account. My balance in XXXX reached {$270000.00} plus, so for the first time I tried to withdraw some funds to stay under the FDIC insurance limit. At that point, Marcus froze my account, and I've been trying for weeks to get resolution. Because my old phone number and mailing address don't work, they seem unable to do anything to clear the lock on my account. ( I now live in XXXX, but their system can't deal with a XXXX phone number, and they won't do it through the email, even thought that's the only way they've every communicated with me, including all their required tax docs and notices ). After hours of dealing with Marcus customer service ( using that term loosely ), I asked that they go ahead and close my account and distribute the funds back to my XXXX and XXXX accounts from which I wired funds. They said they could do that, but have been unable to execute ; they keep telling me to call back in 1-2 business days, and I end up with new people who don't know anything and have to start over. I have reached out to every Marcus resource I can find, but I'm getting nowhere - so they're continuing to hold almost {$300000.00} of my funds and giving me absolutely no solution about how to get it. I'm baffled and shocked that a reputable company is behaving in this manner, and I need assistance in dealing with this short of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Torriere Holdings INC
State: CA

Complaint narrative:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from SPIRE RECOVERY SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Advanced Resolution Services Inc.
State: MT

Complaint narrative:
I have contacted ARS multiple times about this issue. On my ARS consumer credit report ARS has information reported incorrectly. ARS log XXXX Page 3 of 60 item 9, ARS reports a bankruptcy with a date of XX/XX/90. Bankruptcy are to remain on record for 10 years this is OVER 30 YEARS I will attach copies of these pages. Also I have sent to ARS a letter in which XXXX, XXXX, and XXXX XXXX have tried to verify information about a XXXX XXXXXXXX and was unable to do so. I have contacted ARS and they have refused to remove the bankruptcy from my ARS credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act XXXX  account Lockhart, Morris and Mont Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had all my funds stolen from my American Express Serve account while I was incarcerated..I updated my address to the jail I asked for my account to be restricted so no funds could be stolen and they did not secure my account..I faxed and mailed police report proof of incarceration and that it was noway I made or authorized these transactions and they still denied my claim..my funds were supposed to be insured and I was lied to and left to deal with this on my own ..I am on a XXXX XXXX  payment plan with social security office to pay back these funds so on top of the XXXX that was stolen I also am paying it back a second time to my social security office..I want my old dispute approved and my stolen funds compensated for Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL ONE AUTO FINANCE ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ONE BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
On XX/XX/3023, I discovered an inquiry on my XXXX XXXX file from SENTRY CREDIT. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
Since Monday XX/XX/26 afternoon, my phone got compromised and my personal information was used to access USAA online banking. I reported to them all the fraudulent activities and unauthorized transfers. USAA did not take the cyber attack seriously and my account was still able to be accessed by the hacker. USAA even denied my claim, stating all the new accounts and unauthorized transfers were made by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation