vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I deposited {$3000.00} in cash into a drive-up ATM at a Chase Bank branch in XXXX, Washington on XXXX  XX/XX/2022 XXXX pacific time. In the middle of my transaction, the ATM machine malfunction and rebooted. It then spit back out my card but no receipt was printed. I checked my balance and nothing show indicating the deposit I just made. I took pictures and a video of the ATM screen and then called customer service while still parked in front of it. They told me that their Claims department handles that type of issue but since it was after hours, they would not be open until XXXX eastern time and I would have to wait until then to call. I call the next morning, XX/XX/2022 at XXXX pacific time to file a claim. I gave them the exact time it happened and the increment of my deposit. I was told by the claims rep at that time that they should have it resolved my money should be available after 1-2 days. I patiently waited until XX/XX/2022 and nothing has been credited to my account, so I called the Claims department again. The rep I spoke to at that time kept giving me the run around and said that I just have to wait another 1-2 days. I then got a little upset and asked to speak to a supervisor. When the supervisor got on the line, he told me that since that ATM was service through an outside source, that it would take longer for them to investigate. Which made NO sense to me since it was their branchs drive up ATM. He told me that there was nothing he could do and I would just have to wait. I went to that branch when it open at XXXX pacific time. The branch manager tells me that they do not service the drive up ATMs only the ATMS inside the branch and that she can not help me and that I have to wait for their Claims department to handle it. It is now XXXX  XX/XX/2022, I tried calling the Claims department, again, to check on the status of my claim and was told to wait another 96 hours. 
I feel like they had just stolen {$3000.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 without notice I realized I couldnt log into my bank account online. The same day I called the customer service number and they said it had been closed and gave no explanation and didnt say when my funds of {$6100.00} would be returned to me. They told me to call a branch or walk into one. I called my nearest branch in XXXX, PA and the said the balance is zero and they are not sure if my final account check was mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-19 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-19 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-19 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: GA

Complaint narrative:
The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I checked my mail on Friday XX/XX/16 and had a letter from Sequium Asset Solutions , LLC regarding a {$97.00} debt they were attempting to collect from XXXX. 

I closed my account with XXXX  earlier this year, returned the equipment, and paid the final balance. I should not owe any money. 

I have attempted contacting Sequium Asset Solutions , LLC more than five times since receiving the letter. The amount the XXXX phone says I owe differs from the amount on the letter and I can't get answers from anyone regarding what this charge is for and what the amount is. 

This is very unprofessional. This business should be fined for its unprofessionalism in respect to their treatment of consumers when attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check for {$10000.00} on Friday XX/XX/2022. 
Check cleared the bank that the check was written from on Friday XX/XX/2022. 
Truist put a hold on my check on Saturday, XX/XX/2022. 
I waited a few days, then called customer service. I was told the hold was due to " doubtful recovery of funds '' and was told to go into a branch with the check to possibly get the hold removed. 
I went into branch with the check and was told that if I could provide proof that the check had cleared, that they could remove the hold. 
I emailed proof of the clearing within 2 hours of being in the branch.

The branch leader called me the next day after I sent another email asking for an update and said that it would be done. 
Today is Monday XX/XX/2022, the day my funds were originally supposed to be available and I still do not have the funds.

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 2022-12-19 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 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, payment on a credit card account under an open end consumer credit plan as late for purpose. 
Seeking remedy for these violations

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 2022-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I filed a motion to compel the foreclosing purported claimant XXXX XXXX XXXX , XXXX XXXX, as Trustee for a securitized REMIC trust, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX '' to produce the original " wet ink '' Note in my XXXX  XXXX U.S. Bankruptcy Court proceeding, case XXXX XXXX XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXX in XXXX, Massachusetts, on XX/XX/XXXX. 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX on XX/XX/XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.

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 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
We set up our mortgage with Loan Depot in XXXX of 2020 for XXXX XXXX XXXX XXXX XXXX WA XXXX. We made the XXXX and set up AutoPay. The agent assured us it was set up. In XXXX of 2020 the Autopay was still not pulling we made a phone payment to stay current while the company " figured out '' why the AutoPay was not working. In XXXX of 2020 AutoPay had still not been worked and did not pull the money. We called in at end of XXXX and the rep told us to wait till the XXXX payment because the Auto pay would pull and if we made a payment it would mess up the auto pay. To our dismay this was not true and the Auto Pay was still not working and we ended up with a 30 day late. When we contacted the company they refused to fix this error in reporting since their rep told us not to make that payment. We contacted XXXX credit reporting with no success. They simply parroted what the company told us. If there was actual discovery then the company would see that we had been attempting to set up auto pay. The problem was on them and that their rep told us to hold on payment in XX/XX/2020 as our Autopay was in the system and was supposed to work. It didn't, now we have a late payment. They should give us a refund for the late fee they assessed as well. ( {$54.00} ) I wish companies would just own up when they make a mistake. I just want them to fix the error in reporting 30 day late from XX/XX/2020 and refund my late fee. 

Secondly, they are double reporting my mortgage. This however is just a clerical error I am sure but it would be nice if this was fixed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
SONY card was offered with following offer : Earn a {$100.00} statement credit when you open an account and use the Sony Card within 60 days. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

Terms were met, {$50.00} bonus never credited. I called a phone rep said, yes, you met the terms, I will credit the {$50.00} to your account, This was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a XXXXXXXX XXXX  that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX my XXXX  card had overdrafted while I had overdraft protection. XXXX closed my secured building card XXXX  reported it to 3 credit reporting agencies and I lost XXXX points due to XXXX  inaccurate " credit card closing '' its a prepaid card not credit card. On XX/XX/XXXX I dispute with XXXX  on XX/XX/XXXX XXXX  stated a error did occur in XX/XX/XXXX that caused me to lose XXXX points now I want my points lost and the credit reporting agencies are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-12-19 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: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On XX/XX/2022 I made a dispute for a transaction of {$350.00} at XXXX I never authorized and they are failing to give me a provisional credit while under investigation still. I somehow chose the wrong option when I made this dispute and they wont allow me to change it l. Even my other disputes has gone longer than two weeks no update and hasnt been provided a provisional credit. Even after I was promised it would be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

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 Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$540.00} Balance updated XX/XX/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 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