vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: MN

Complaint narrative:
Related to complaint : XXXX Sofi sent me a check via XXXX XXXX to close out this matter. However, according to my bank, the check they sent me is not cashable as it doesn't include SoFi 's routing or account number. Because it is missing crucial information, it is not cashable by my bank ( XXXX XXXX ). This is the second check they sent me. The first they refused payment, this second does not meet the basic requirements of a legal ( cashable ) check. 
Response to last complaint resulted in a written lecture about the status of my phone and a promise to send a second check. Again, the second check does not meet the minimum standards of a cashable check as it is missing routing and account numbers- so my bank unable to submit for payment. 
Calls to SoFi result in them taking my name, telling me call must be handled by regulatory complaints team, who will call me back, but then never actually calls me back. ( which I can prove by my phone 's call history ). They will claim this is because my phone has been hacked, but I had reset by my carrier back to factory settings and have had no issues outside of those with SoFi. 
As a bank, SoFi should be able to produce a check that is cashable. Telling the CFPB that they are sending me a check to close out this matter, but then refusing payment on the first check and sending a worthless check the second time, feels very much like an attempt to wear me down and not respond in a truthful way to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-07-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$18000.00}

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 2022-07-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022, XXXX removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with Equifax and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 my email account was hacked in order to create and open a XXXX account. Once the thief created and verified a XXXX account through my email inbox, my Chase credit card was used to place an online order through XXXX The theft purchased a gaming laptop in the amount of {$2400.00} and requested to pick up the laptop at the XXXX, Illinois location later that night. The laptop was picked up at the XXXX location at XXXX on XX/XX/XXXX. I immediately reported it as fraudulent through Chase credit card and both my card as well as my wife 's credit card was frozen and new cards were issued. I have frozen my credit and placed credit monitoring through all three bureaus. Chase and XXXX investigated the events and found that because ID was required to pickup the laptop, I benefited from the transaction. No proof of ID or documentation was provided to support this finding. 

I filed a police report with XXXX XXXX Sheriff Department. 

Additionally, I went to the XXXX, Illinois XXXX XXXX store and talked with Customer Service on XXXX. The store associate said that another customer was in there a couple of days ago saying the exact same thing happened to them. XXXX fraud protection as well as going to the store yielded no results to get proof that any identification was used to pickup the package. 

In summary, I did not purchase or take receipt of the laptop and Chase has refused to refund the money as well as open any additional investigations into the matter. XXXX XXXX has been unresponsive in resolving this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX Account number 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 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 2022-07-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Two years ago I lost my wallet and received a new XXXX  XXXX card in the mail and instead of them sending me a new card with the same old account and balance they sent me a new card with a new account balance so in 12 months after Ive had the new card I paid my card off and so one for XXXX  XXXX say I have a unpaid balance that has been late for 11 months that I did not know about because they sent a new card with new balance upon resolving the situation with XXXX  XXXX and closing the accounts XXXX  XXXX says that they took the late payment off of my credit but trans Union and XXXX are still reporting wrong information on my credit report stating that I have 11 months of late payments with XXXX  XXXX witch are not true I spoke with XXXX  XXXX today XX/XX/2022 at XXXX am and they says there are no late payments on my credit and I am in good standing with them the wrong misreporting information From Trans Union and XXXX has been getting me denied Home loans and business loans from my bank and other Financial institution

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA never sent a formal communication stating that they intended to collect a debt, in accordance with the fair debt collection act. Instead, the closed a checking account that was overdrawn. The official communication sent regarding the account closure on XX/XX/XXXX states that the account was closed and would only be reopened to accept withdrawals and deposits as required. If required, I would be notified. In all other instances, any deposits would be rejected and returned to the sender after 30 days of the notice. 

I spoke with a banking representative with USAA on XX/XX/XXXX to confirm that the account was indeed closed and to ask what would happen to any ACH deposits made to said account. The representative confirmed that the account was closed and that any deposits made would be rejected and returned. 

On XX/XX/XXXX, my employer informed me that a trace against an {$590.00} ACH deposit showed that it was not returned. After speaking with XXXX and Checking Services at USAA, I deduced that the bank did in fact keep the ACH and used it to offsets the amount owed on the checking account. I have yet to receive any communication from USAA regarding them opening the account in order to keep this deposit. Additionally, USAA never informed me that they were attempting to collect a debt. Instead, I have communication stating that the account was closes, that deposits made would be rejected after 30 days, and that I would be notified in the event the bank was " required '' to re-open my account. 

I am demanding the return of these funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Approximately XXXX on XXXX, I called ( XXXX ) TransUnion and spoke with a XXXX XXXX regarding a dispute I submitted regarding a Bankruptcy that theyre reporting. XXXX advised that we verified it with the court so it remains as accurate. When I asked for specific information ( method, party whom they communicated with etc ; ) on the verification method they used for this, she told me she could not give me that info because it was internal. When I asked their escalation process, she advised me that the only thing that I could do is file a complaint with the FCC.

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 2022-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
A merchant started debiting my account I contact the merchant and was told that they didn't see where they were debiting my account. I contacted the bank and informed them of this issue I was told to pull the money I had in my account out because it wiuld be a while before I received my card, I called back and informed the bank that the merchant had debited my account again and to order a card. The merchart was able to debit my account three times. It is a hassle to contact the bank it takes at least a hour to get anyone to assist and the 4 times I called I wasn't helped. I sent in the paperwork sawing that I disputed the amount and the email I sent to the company, but they stated that they didn't recieve it and that they would send out another form, which, I never received. I have called and asked why they haven't refunded the monies, but no one can give an answer, however, they have placed credits on my account then debit them off. The amunt is about XXXX, but I need someone to address how this banks handles the customers, regardless of it being a government funded card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}

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 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have contacted Portfolio Recovery several times by certified mail ( with receipts ). This company continues to report negative collections to my credit report which is damaging my credit continuously. Portfolio Recovery tried to sue me in court for the collection of {$2800.00} / {$2800.00}, and failed to show up in court and the case was dismissed by the judge. Also, Portfolio Recovery has since then started reporting the false collection as 1 % paid on my credit report and updating this monthly. I HAVE NEVER PAID THIS COMPANY ANYTHING! This is causing a havoc to my lively hood and I would like this collection to be removed asap. Shame on this company for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
RE : INCORRECT Escrow Surplus Check ( acct XXXX ) To BSI, I hereby am requesting a clear explanation as to why the Escrow Surplus Check was only {$240.00}. I am requesting this Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX In addition, to date that is the only refund I have received. I am still waiting for the refund check for XX/XX/2022. 

Here is the math behind my complaint and written request. 

Incorrect amount charged by BSI Financial ERROR Correct amount Surplus Received Deprived of the remaining over payment XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$240.00} {$140.00} XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$0.00} {$380.00} Total Due still not refunded {$520.00} *see formal written Acknowledgement from BSI attached I am demanding the total owed to me for Escrow overpayment {$520.00} immediately. I am formally submitting this complaint not only to BSI Financial Witten Requests but also the Consumer protection Financial Bureau.

BSI response to my first complaint has not been fulfilled. Therefore, I will not only ask the Consumer protection Financial Bureau to reopen the first violation and open a new complaint for another non-compliance report another compliance with Mortgage servicer Federal Rules. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation