vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been requesting that Equifax, XXXX XXXX XXXX allow me to exercise my right to opt-out of sharing my information. According tot he Fair Credit Reporting Act 15 USC 1681 Section 602, it states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I am the consumer and have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states that " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of this customers ' nonpublic information ''. The financial institutions Equifax, XXXX XXXX XXXX  do not have my consent to furnish this information and for a fact do not have my written consent to do so. 15 USC 1681 section 604 a section 2 states that " In general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. Any and all consent to XXXX XXXX and Equifax whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX Equifax and XXXX who are Furnisher of information to credit agencies, never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 more than seven years ''. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish and information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Equifax are no maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: AL

Complaint narrative:
XXXX XXXX called and said that an XXXX XXXX had sent my info and my debt over to them. I asked her for details and she wouldnt provide them. It was supposedly for a debt in XXXX XXXX. I live in XXXX XXXX. They had my number and name and the wrong birthday. I asked how they got my number associated with the wrong person in another state and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
For the past 2 months, I have been trying to transfer my individual traditional IRA savings account money ( my life savings in retirement funds ) from Everbank to my local bank XXXX as a normal, standard procedure -- a trustee/custodian-to-trustee/custodian transfer of funds. 
For two months, Everbank sent me wrong forms to fill out, then they sent more wrong forms to fill out ( I had all their forms filled out and submitted with notary stamps/witnesses just as Everbank asked . Each person I spoke with told me that the previous person made an error. The procedures were not followed and erroneous information and instructions were given to me by atleast 7 employees This kept happening for almost 2 months. I finally gave up nad had my local bank initiate the IRA transfer process. I filled out all the appropriate forms with my local bank XXXX, which forwarded the documents to Everbank. I receive a written email from the special processing unit of Everbank on Tues. XX/XX/XXXX that Everbank had sent a check for the full proceeds ( money ) in my IRA to XXXX by XXXXThe money has never arrived from Everbank. XXXX says it was never sent. My account was closed. My money has disappeared. Everbank employees hang up on me when I call. Or they put me on hold for an hour at a time and never pick up. Everbank has stolen $ XXXXfrom me and Everbank will not help resolve this. HELP! HELP! Please. P.S. Everbank is not a real bank -- it is a savings association and NOT a commercial bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
on XX/XX/, the loan was paid off and title was requested. On XX/XX/XXXX a follow up call was place and i was advised the title was on the way and that they would send a lien release as well to satisfy insurance to payout for the totaled car. Neither document was received and no proof of sending was provided. on XX/XX/XXXX another follow up call was place by me and was told the same story and that a supervisor would return the call to fill me in. on XX/XX/XXXX i called again to request a supervisor and none were available. on XX/XX/XXXX i am currently on the phone and filing this complaint hoping to have an action of some sort take place.

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 2023-12-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX and XXXX someone try to open up a credit card on me from Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
This is additional information, that I faxed to Bank of America on XX/XX/2023.

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 2023-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed a check from inside the post office to XXXX XXXX to cover the cost of a municipal bond purchase. The check from XXXXXXXX XXXX  ( check # XXXX ) was for {$15000.00} was made payable to my revocable trust. I was notified on XX/XX/XXXX that the bond company had not received my payment. I immediately notified XXXX XXXX  and was told that the check was posted to my account on XX/XX/2023 by an unknown party indicating that the check had most likely been stolen from the mail. I visited XXXXXXXX XXXX the same afternoon completed the required fraud affidavits. Additionally I had XXXXXXXX XXXX  wire funds to XXXX to cover my purchase. XXXXXXXX XXXX  forwarded the fraud affidavits to TD Bank who had illegally cashed the check. To date TD Bank has not responded to any of XXXXXXXX XXXX repeatedly inquiries regarding the claim. Please note that the United States Postal Service was notified of the mail theft and is completing their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I'm going through a finanical hardship and they keep calling my house number when i told them they needed to call the debt people and i had given them the phone number to the people to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
INCORRECT NAME XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
INCORRECT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I signed up for a Kay Jewelers Credit Card and purchased a near XXXX item with it. I came with an interest free period of a year. I was surprised and shocked to be charged XXXX after the interest free period ended. I am not sure I was fully made aware of this fact clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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 XXXX, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police 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 non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A check made out to a friend was stolen. The check was then fraudulently signed by someone other than my friend. The signature clearly does not match the name that the name i wrote on the check. PNC cashed the check anyway and I am out XXXX dollars. 

I comlpained with PNC and they said they were going to send me an affidavit to sign and return and i would not be getting my money back for over 120 days. I then get a letter in the mail saying my claim was denied because the affidavit was never recieved. the affidavit never came to my house until the next week! 

This is all PNCs mistake for depositing a forged check. I made the check out to a friend and their teller or system cashed it without checking identity. I am being made a victim over their problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
My mortgage is with Freedom Mortgage company. I contacted the company because I could not make a payment in XX/XX/2023. I was approved for a 6-month payment plan on XX/XX/2023. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please 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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently reviewed my consumer report and identified unauthorized inquiries that persist despite my previous communication with XXXX and TransUnion, requesting a reinvestigation. Regrettably, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it 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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Account Issues with Fifth Third Bank Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Fifth Third Bank, specifically regarding the handling of my Business Checking accounts. 

I maintain two separate Business Checking accounts with Fifth Third Bank in XXXX, IL. XXXX of these accounts, opened over two years ago, was initially subjected to a minimum balance requirement of {$50000.00}. Despite expressing my dissatisfaction with this requirement to the bank representative, XXXX XXXX, I was assured that maintaining this minimum balance would be beneficial to me, even though the account is non-interest-bearing. 

Recently, the balance in this account fell below {$50000.00} ( approximately {$30000.00} ), leading to the imposition of a $ XXXX  monthly fee. When I contacted the bank 's customer service, I was informed that this fee was legitimate due to the shortfall in the minimum balance. Notably, my other Business Checking account with Fifth Third Bank does not impose any minimum balance criteria, and both accounts have minimal transactions annually, well below XXXX per year. 

Despite assurances from XXXX XXXX XXXX, the bank manager, that the account type had been changed to one with no minimum balance, I was dismayed to find the {$50.00} fee charged to my account again this month. 

I am submitting this formal complaint to seek your assistance in addressing this matter. Specifically, I request your intervention to facilitate the reversal of the two {$50.00} fees charged to my account and to ensure that the account type has indeed been changed to one with no minimum balance requirements. 

I believe that the Consumer Financial Protection Bureau 's involvement is crucial in resolving this issue fairly and expeditiously. Your attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance states I have an escrow shortage of {$28000.00}. I called twice to ask for proof. On XX/XX/23 XX/XX/23 To speak to a manager/supervisor and was told that the customer service person could help. That person could not help. 
I have my financial advisor to help and he couldnt get proof or speak to the correct person either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA  AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS 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 2023-12-15 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: North American Credit Services
State: MD

Complaint narrative:
Recently I accessed my free credit report from XXXX. In the inquiries section, there was an account review inquiry I did not recognize from a company called " XXXX, XXXX '', dated XX/XX/XXXX of this year, with the request originator listed as " XXXX XXXX XXXX '', which is I hospital I have previously accessed and paid my debt in full on XX/XX/XXXX without the account ever being sent to collections, however upon calling them and asking why they accessed my credit report without my permission I was told that not only have they never heard of XXXX but that they do not have the ability to access anybody 's credit information. On XX/XX/XXXX I contacted XXXX directly to ask why they accessed my information without my permission. On XX/XX/XXXX they sent a letter stating the following, which I received shortly after : [ see attached letter for statement ] There is a lie in that statement ; I do not have any existing account with North American Credit Services, which I will proceed to refer to as " NACS '' for brevity. I attempted to call NACS and left a voicemail asking them to explain why they are attempting to access my account but they never called me back. Upon looking into this company, I have come to discover that it is a medical debt collection agency, which further proves that this is fraud as I do not have any collections accounts.

Company response to consumer: Closed with explanation