vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2023, I opened two accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with XXXX  through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the XXXX XXXX XXXX and a {$25000.00} deposit into the XXXXXXXX XXXX XXXX XXXX XXXX  through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the XXXX XXXX XXXX XXXXXXXX XXXX did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return. In response to XXXXXXXX XXXX guidance, I promptly contacted Discover and provided all the necessary information by phone. 

However, to my dismay, I received a letter from Discover on XX/XX/2023, stating that my dispute was closed. After immediately reaching out to Discover again, they reopened the dispute, assuring me of a credit return by XX/XX/2023. To enhance Discover 's investigation, I submitted both XXXXXXXX XXXX response letter and XXXX XXXX email. 

As of today, XX/XX/2023, I have not received any feedback or a credit back from Discover, and my attempts to seek clarification from the Discover dispute team have been unsuccessful. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As the designated representative of XXXX XXXX, I must urgently address the unwarranted and ongoing restriction on our Chase bank account, effective since XX/XX/XXXX. This issue, stemming from a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, is unrelated to our firm 's direct operations yet has regrettably ensnared XXXX XXXX, causing considerable operational and financial strain. 

Background : XXXX. Our client, XXXX XXXX XXXX, engaged with XXXXXXXX XXXX  for the purchase of two vehicles : one valued at {$55000.00} ( purchased on XX/XX/2023 ) and another at {$33000.00} ( purchased on XX/XX/2023 ). He issued checks for these transactions, which were processed through a partner dealership. 

2. Simultaneously, XXXX XXXX fell victim to identity theft. This criminal activity involved fraudulent credit applications in his name and a deceitful identity theft report falsely declaring all his credit activities, including valid loans, as fraudulent. 

3. This nefarious act resulted in the removal of the {$55000.00} loan from XXXX XXXX credit report, while the {$33000.00} loan is still documented on his credit report. 

Legal Position : - In line with the Uniform Commercial Code ( UCC ) 3-305, XXXX XXXX, as a holder in due course, is legally entitled to enforce payment despite certain defenses. The legitimacy of the transactions with XXXX XXXX fortifies our legal standing. 

- Additionally, according to the Fair Credit Reporting Act ( FCRA ), the wrongful exclusion of XXXX XXXX legitimate {$55000.00} loan from his credit report infringes upon his rights, indirectly affecting our company. Furthermore, this unwarranted freezing of our funds by Chase contravenes our rights under the UCC and possibly the Electronic Fund Transfer Act ( EFTA ). 

Attached Documentation : 1. A detailed police report on the identity theft incident suffered by XXXX XXXX. 
2. A formal statement by XXXX XXXX presented to XXXX XXXX, confirming the legitimate nature of the funds applied for by him. 
3. A copy of XXXX XXXX 's latest credit report showing XXXX XXXX XXXX loan of XXXX reflective.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
I had an account with XXXX XXXX XXXX and had a balance of {$53.00} on XX/XX/2022, in which I contacted the merchant and made a phone payment in the amount of {$23.00} which was the minimum due at that time. next, I went to the store and made the remaining balance of $ {$30.00}. at that time my account was paid in full. I have the proof that the account was paid before it went to collection. after that, I started getting harassed by Midland Credit Management for the last 6 months I have contacted this debt collector and provided all the proof and even my bank statements that I paid but they continue to demand money and they want {$380.00} more. Midland Credit Management has put this on my credit. MCM # XXXX. 

This account was paid before it was placed for collection. I want them to stop harassing me and calling me. Also, I want this out of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/2023 I received a civil summons from XXXX XXXX XXXX, as Portfolio Recovery Associates LLC as the Plaintiff and myself as the defendant. Several items were sent to me but not all required documentation according to the Consumer Financial Protection Bureau. I responded with a certified letter to Portfolio Recovery Associates LLC., asking for validation of the debt. I havent received any information from Portfolio Recovery Associates LLC., in writing verifying the debt according to the Consumer Financial Protection Bureau . Also according to the CFPB, once I disputed the debt, the debt collector has to stop all debt collection activities until it provides me the verification of debt. Well as of XX/XX/2023, I have a court date scheduled for XXXX XXXX from Portfolio Recovery Associates LLC., still taking legal action against me without providing all verification of debt according to the Consumer Financial Protection Bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In acceptance with the Fair Credit Reporting act XXXX Account, 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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: CA

Complaint narrative:
I HAVE QUALIFIED FOR THE PSLF FOR THE LAST 18 YEARS. I HAVE APPLIED MORE THAN 3 TIMES AND HAVE RECEIVED NO CLEAR APPROVAL OR DENIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: PA

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
debt is not mines due to identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Kashia Services
State: IL

Complaint narrative:
My identity has been involved in a XXXX data breach. I was unaware of the data breach and was then hit with constant calls that involved debt collectors from Credit Card companies and personal loans. I believed that these were just spam calls and people trying to get me to pay money that was not real. I then tried to pull a credit report and the credit report was frozen and they were not frozen on my behalf. I have filed a claim and an identity theft report. Please remove all hard inquires, payments, and collections from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am writing to formally lodge a complaint concerning the handling of my recent account restriction issue. Despite multiple attempts to address the matter, I find the resolution process both inefficient and frustrating. 

The problem lies in a notification stating that a letter was sent to my previous address and returned undeliverable, subsequently leading to the restriction of my account. I acknowledge my oversight in updating my address promptly after moving, but the challenges faced in resolving this issue have been needlessly cumbersome. 

Numerous calls to the customer service have yielded sympathetic yet unhelpful responses. I was instructed to submit specific documents for account review, but my attempts to clarify which documents are required have been met with ambiguous responses. Moreover, the promised 24-hour response time for messages on the website has not been adhered to, leaving me in a state of uncertainty for two days. 

This situation is particularly distressing as it is the second time I am encountering such account-related complications. I expect a more efficient and customer-focused resolution process from a reputable institution such as Synchrony Bank . 

I appreciate your immediate attention to this formal complaint and trust that it will be addressed with the seriousness it deserves.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On Friday XX/XX/XXXX I deposited my pension check for {$340.00} into my Chime account. I deposit it every month. Chime advertises same day deposits. I was expecting it in at least 24 hours. 2 days later still no deposit. In the past the company would release half of the deposit and hold the remaining portion, which is still odd. I reached out to customer service several times and they keep saying my check cleared but is on hold so it doesnt bounce!!!!! This makes absolutely no sense. The said they would escalate and have someone contact me in 4 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Macys account and didnt get my last statement and there was a late charge that was waived. I'm sure now there will be interest charges as a result. I can not deal with calling Macys everytime i have an issue. Please close my account immediately.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XX/XX/2023 I had made a deposit into my account ( XXXX ) by using my atm card ending with XXXX issued from bank of america while using the drive thru ATM machine deposit of bank of america located at XXXX XXXX XXXX XXXX XXXX  with zip code number XXXX and suddenly the atm eat my money that was amounted into XXXX And it cancelled the transaction and eat the money

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 2023-12-06 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: NY

Complaint narrative:
On XXXX credit report theirs is XXXX negative item that's fraud account last XXXX XXXX it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file social security number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MicroBilt / PRBC (formerly CL Verify)
State: MD

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Late payment posted on account without proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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:
TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number 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 I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )

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 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending EVERY YEAR SOMETIMES EVERY XXXX  MONTHS sends letter they are adding insurance.My insurance company has been in business in XXXX FOR XXXX  YEARS the founder ran for comminisor of insurance in CALIFORNIA. Planet adds the insurance when they have the binder showing property is insured.I am uploading the proof .Sometimes they remove it, its a full time job to keep up with thier tactics.They even supply fax # and phone # that are XXXX.I had a pin number given to me that took me to another site they use to redirect consumer asking to get a copy of their account.I will supply that also.The insurance binder shows from year to year .Yet Planet sends letter in XXXX to say they are adding insurance, WHILE THE BINDER IN THEIR SYSTEM SHOW NOT FOR RENEWAL until XX/XX/2023 I gave you the proof in the uploaded file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was locked out of my Amazon account ( my husband seems to recall we were trying to watch a movie through XXXX XXXX ). I called the number it said to call to unlock my account. The person said my XXXX XXXX had expired. I questioned that I thought my Amazon came due in the fall but the person said no, it had expired and that Amazon was offering a 3 year deal for XXXX XXXX at XXXX. Since I pay about {$140.00} a year for XXXX XXXX, I said this was a good deal and said OK to it. 
A few weeks later, I went through my Amazon bills and noticed that I am charged in XXXX for XXXX XXXX. I then called Amazon and asked if they were going to start this 3 year special at the end of XXXX, XXXX since my XXXX membership would not expire until then. Amazon rep said there was no deal for 3 years, and noted that customers are charged in XXXX every year. 
When I got my Amazon bill/ Chase Card statement ( I ONLY use this card for purchases on XXXX XXXX nothing else ) and noticed this XXXX charge- I began my dispute. 
I was billed this amount on XX/XX/XXXX and have not received any 3 year special discount from XXXX XXXX, nor any other goods or services. This needs to be resolved and Chase is not helping me. They did remove the charge once from my bill, but did put it back on. 
I have been back and forth for months between Chase card and Amazon and no one is helping me remove this fraudulent/ scammed charge.

Company response to consumer: Closed with monetary relief