vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
An account was fraudulently opened in my name. I contacted BoA to tell them that it was fraudulently opened and to close the account. They send me a fraud claim and I submit all the documentation requested. They don't respond so I open a complaint with the CFPB and they ask me to send the documentation again. I do and XXXX weeks later not only have they not resolved the situation, because the fraudulent account is overdrawn they are threatening to impact my credit and make me liable for the overdrawn balance. This bank is a complete joke and it's no surprise to read the recent bad press. I have read about how XXXX XXXX wasn't doing their due diligence and opening fraud accounts without the proper checks and my guess would be the same thing is happening at BoA. This has been a complete disaster and I have gotten XXXX assistance.

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 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I needed to pay {$4200.00} to a landlord for security deposit and first month 's rent. The payment was to be made through XXXX. 

I bank with U.S. Bank and I logged into online banking and went to make the payment by XXXX. I got an error message saying that my daily limit was {$3500.00}. 

So then I sent XXXX payments of {$2100.00} each. Both were deducted from my checking account. The first payment was sent on XX/XX/XXXX at XXXX XXXX. This payment was received immediately. In my online banking the status for this payment is " paid. '' On XX/XX/XXXX I sent the second payment of {$2100.00}. This was sent at XXXX XXXX. This payment was not received by the recipient, same recipient as the previous day. In my online banking the status for this payment is " sent. '' The intended recipient alerted me the next day, XX/XX/XXXX, that he had not received the payment, and I have been trying since then to get this money back. I have called the bank at least a dozen times. On XXXX a bank customer service rep told me that she could see that the second payment was never delivered. 

In the meantime, I put in a claim with U.S. Bank on XX/XX/XXXX. Through a letter dated XX/XX/XXXX the bank 's digital claims services department notified me that my claim was denied. When I heard on XXXX that the customer service rep could see the second payment was never delivered, my only possible explanation was that the claims department was superficial in reviewing this issue and/or only looked at the first payment that was actually delivered. 

I am exhausted by the effort I have been making to get U.S. Bank to return my money. I am hoping the CFPB can help.

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 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern I was a victim of Identity theft I have reached out to all 3 major credit reporting agency XXXX, XXXX and TransUnion these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer

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 2023-08-10 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: NJ

Complaint narrative:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

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 2023-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
On or about XX/XX/XXXX I received a message from Robinhood that my account was restricted. I explained to Robinhood that my husband initially accidentally uploaded his ID to the app by mistake. I was asked to upload a photo ID and a selfie which I have done XXXX times. I have also had at least XXXX phone calls but the customer service tells me they are unable to resolve the issue and have no more information. 

Robinhood is placing me under duress as they are not allowing me to withdraw my funds. and have since uploaded my ID numerous times. 

They are unable to provide me with a timeline nor have they resolved the issue. They will not allow me to withdraw my funds. 
I feel like they are stealing my life savings. 
The worst part is that they are not able to provide me with a remedy to fix the problem. Please help me to get my funds back. 
My account balance is $ XXXX have attached my most recent Robinhood statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a payment of {$45.00} XX/XX/2023 on cash ap which I believe was a scam. After I made the payment the person stopped responding, so I contacted cash app support through the app and by phone and no one is assisting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized

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 2023-08-10 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: OneMain Finance Corporation
State: SC

Complaint narrative:
There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following addresses are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
Fair Credit Reporting Act states that written proof with signature must be required and I have not received anything as of this date from the creditor.

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 2023-08-10 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: SC

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX XXXX  ; XXXX, Delete this XXXX for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
This company calls me everyday starting around XXXX and I will get multiple calls throughout the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received XXXX checks from The State of XXXX ( XXXX ) on XX/XX/XXXX. XXXX check is for XXXX dollars and the other check is for XXXX dollars. I electronically deposited the XXXX checks to my Chase account. The XXXX checks were placed on hold after a few days and then it cleared. I realized afterwards my account had locked me out. I contacted Chase and they said my account had been restricted because they needed to verify the XXXX checks. I contacted XXXX and asked if there was a number Chase can contact to directly get a hold of XXXX, but XXXX said they never heard about having to verify checks for a bank. I went to the Chase branch and explained my situation. The supervisor had advised me to call XXXX and have them cancel the XXXX checks and refile XXXX new checks and have them put it on a card instead so I wouldn't have this issue again. I called XXXX after and they told me they can not reissue XXXX new checks because it says it has already been cashed. I called Chase again and told them what XXXX had told me so I ask if they can just cancel the checks, but the supervisor of Chase informed me my account has now been closed and the money is considered fraudulent and I might not see the money for up to 3 years and there's nothing she can do until they verify the checks with the issuer. Nobody once informed me I had a time frame to get the XXXX checks verified or they would close my account and the money would be assumed fraudulent. I don't know what to do at this point. It has been XXXX weeks with this ongoing issue and I feel defeated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
See document attached

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 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I was contacted by a third party debt collector about a debt I do not have with them. I have sent cease and desist letters numerous times and they have violated my rights. There is an open account on my credit profile with this company. I have requested information on this matter asking for dates of when I opened an account in which I have not received any information at all. According to 15 U.S.C 1681 Section 604 A Section 2, It states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate in which this information is completely inaccurate. Please remove this from my report immediately. I do not owe nor have I ever done a transaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with XXXX XXXX. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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.

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 conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Has violated my rig

hts 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. 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 conviction, or crimes, which antedates The report by more than seven years. 15 U.S.C. 1681 S-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 information is in accurate.

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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stein Law, P.C.
State: CO

Complaint narrative:
I was served with papers from Mountain Peak Law Group regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by XXXX. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From Mountain Peak Law group showing the original creditor and the amount owed in order to help me with this debt. I called Mountain Peak Law Group and the sent me a payment history. The only information it showed was a payment I made to them and XXXX XXXX name. I called XXXX XXXXXXXX and they refused to send me information on the debt. They referred me back to Mountain Peak and told me to ask for verification of the debt. I emailed them Mountain Peak back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX  closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to XXXX  but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by XXXX  where refund was from, XXXX  XXXX XXXX whom bank check came from and navy federal whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I reached out to navy federal to retire the money that someone at there bank cashed but they have not

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