vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank would not cash a check that was endorsed by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX  XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, XXXX  Entity ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of approved actions by himself and/or his employees, contacted me using US mail XXXX The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and XXXX XXXX evidence of conspiring to violate the XXXX XXXX XXXX. This type of action attempted to create false belief in me that I am indebted to LIPPMAN RECUPERO , LLC ; its also addressed in Presidential Executive Order 13903 human Trafficking. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including INVOLUNTARY SERVITUDE, DEBT BONDAGE, or FORCED labor. Human Trafficking can include, BUT DOES NOT REQUIRE, movement. Traffickers profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/XXXX  my wife spoke with XXXX, which he confirmed that XXXX, XXXX has my Full XXXX & XXXX. 
He asked if we wanted to make payment arrangements, she told him no. She asked him to place a Cease & Desist on my account as well, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the XXXX XXXX XXXX. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
According to XXXX XXXX I owe almost XXXX $ on a XXXX XXXX  card from XXXX XXXX. They said the date was from XXXX  and i XXXX XXXX XXXX XXXXXXXX from XXXX  Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXXXXXX- i had paid off all my bills. Everytime i call XXXX, XXXX XXXX, or XXXX XXXX  no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX  Date of inquiry 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 2024-01-02 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: PNC Bank N.A.
State: PA

Complaint narrative:
I just became a customer of PNC bank it's been 2 months and already having to deal with fradualant transaction appearing on my account. On XX/XX/23 I placed a curb side food order delivery to my house with XXXX XXXX in the amount of XXXX which was deducted from my account, then on XX/XX/23 my account had a deduction in the amount of XXXX from XXXX XXXX XXXX XXXX XXXX PA. I then called Customer service at XXXX XXXX the informed me there was no store at that location XXXX XXXX XXXX PA. I then called PNC customer service and asked them how could a fradualant transaction go thru on my account when I had my card locked and secured, she lied and told me my card must have been unlocked for the charge to go through but I know it was locked. Now I have another fradualant charge that appeared on my account that's pending made on XXXX ) XX/XX/23 in the amount of XXXX from the so called Fictitious XXXX XXXX XXXX XXXX XXXX PA.I will dispute this charge as soon as it clears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT 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 2024-01-02 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 submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX when I spoke to XXXX XXXX she read the notes in the file from XXXX XXXX. 

I was stunned because most of what XXXX XXXX read never happened.

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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX  I spoke to someone named XXXX XXXX who stated unbeknown to me that there is an active payment plan on my account. 

I was not aware and just called in to get what I was told by representatives XXXX was an approved foreberance from XX/XX/XXXX  until XX/XX/XXXX  explained. 

At which time XXXX XXXX stated there was No something contrary to what representative XXXX stated about the foreberance being approved. Per XXXX XXXX there was no approval for the requested extension from XXXX, XXXX  until XX/XX/. 

As the customer I certainly do not know, but something is very very wrong at Bank of America.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting XXXX, but my XXXX and XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Despite multiple certified letters ( the three most recent attached with a copy of the certified return receipt also attached dated - XX/XX/23, XX/XX/23 and XX/XX/23 ) to Equifax to corrected the status and the amount of a XXXX Bank account on my Equifax credit report ( XXXX XXXX XXXX # XXXX ), Equifax has refused to either correct or, preferably for me, to delete this account for blatant inaccuracy and misreporting. I just telephoned them again today and talked to a barely cognizant, confused representative who told me in some unintelligible hybrid XXXX XXXX language that they have not received any letters from me in over a year!!! Equifax has purposefully ignored my certified letters and now is not even acknowledging that I even sent them letters even though I have certified proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: AL

Complaint narrative:
About a week ago, I was eligible to refinance my loan, I had additional questions for the manager of the lending company underwriting staff contacted me and told me that she would have the manager to call me when he gets in. The manager never contacted me to date. 

When a representative contacts me from BMG Money, it is never the manager. It is always someone from the underwriting department. 
Also, the company failed to communicate clearly new policy changes as it relates to the net pay amount in order to be eligible for refinance. 
Each time that I am eligible for a refinance, it appears to be a change in policy. This has happened twice, always during refinance, or coupled with their multiple attempts to deter me from speaking to the manager of the company. When I do receive a phone call, it is at closing and never the manager. 

The last four months it has been very difficult making contact with the company and manager regarding serious concerns or matters pertaining to my loan. 

My most serious concern is that I never know that there is a change in policy until it is time for me to refinance. That is a red flag.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I received an American Express gift card totally {$25.00} for a XXXX gift. I activated it on XX/XX/. It says the card is active and the balance is {$25.00}. Ive tried to use this card in stores ( XXXX : XXXX ), inside the gas station, online ( ex : XXXX, XXXX, XXXX ), to pay my phone bill ( XXXX XXXX ), to pay my power bill ( XXXX XXXX  XXXX ) to add it to my XXXX XXXX  and to buy something for my XXXX  on his XXXX XXXX. Every transaction has been declined. Ive called 3 times asking why its not working they keep saying its declined for my protection and to keep trying but that i also need to pick different stores when I asked why stores they couldnt tell me and just kept repeating that its for my protection. I can not use this card anywhere it does not work. Regardless that it says you can use it anywhere Amex is accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: WI

Complaint narrative:
I applied for credit with XXXX XXXX XXXX in XXXX  and was denied because Transunion had a credit freeze on my report. I never placed a freeze on my report. I called Transunion and after a long time on the phone they disconnected me. I went on line to their process for removing a credit freeze and after filling in all the required information it said " unable to verify identity '' and I could not gain access to remove the freeze. I called the phone number listed for website problems and was assigned a user ID XXXX and told to email Transunion with various documents which I did. The first response was they had trouble opening the documents- likely because they were encrypted. The documents were resent in PDF format and there was no response. I asked several times if they were able to open them. After a while I received a Secure Message from Transunion that said I could remove the credit freeze on line. However, the whole point was I could not gain access to do so. Somehow Transunion sent my credit report and it says " Suppressed ''. My XXXX  who is an XXXX  wrote to Transunion 's general counsel and he never responded. I have attached the identification documents Transunion asked for originally as well as a copy of my credit report that shows it as being suppressed. I am still unable to access Transunion online. and it has refused to respond to two prior CFPB complaints filed on my behalf.

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 2024-01-02 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: PNC Bank N.A.
State: FL

Complaint narrative:
I ordered a {$250.00} 2 piece set from XXXX a website from a individual seller who scammed me and never sent the clothing, reported to my bank the fraud transaction on XX/XX/XXXX and made a claim and havent heard from PNC bank since or gotten my money back. The merchant company XXXX emailed me and stated they accepted chargeback but still no money from them or PNC. 
The PNC claim # is XXXX and the department number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I, XXXX XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX is giving USAA a warning an intent to sue in federal jurisdiction to the fullest extent. I have offered arbitration and USAA has chosen acquiescence therefore as a flesh and blood living soul I am now invoking my rights and ready to come forth with the fraud and deceit USAA has committed. I will give XXXX hrs before I contact the process server XXXX XXXX ( 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 2024-01-02 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: OH

Complaint narrative:
On or around XX/XX/23 I was reviewing my TransUnion consumer report and apon inspection I noticed there was a unwarranted, no written or verbal instructions giving permission for this derogatory Inquiry to be on my TransUnion consumer report from XXXX XXXX XXXX XXXX. I have no open credit card or line of credit account with this Institution. My FCRA federal protected rights is being violated by this Inquiry being placed on my consumer report and TransUnion policy doesn't supercede federal law. So please Remove immediately before I start the litigation process.

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 2024-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
The OptumBank.com claims processing web site is chronically and severely malfunctioning. Before I describe the problems, I will mention that I am a long time XXXX  XXXX  XXXX. For 25 years I XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and prior to that I was a XXXX XXXX at other major, internationally respected companies. 

Here are two current problems with the Optum Bank claims processing system : 1 ) I submitted three claims dated XX/XX/XXXX that should be automatically reimbursed monthly. I specified automatic monthly reimbursement because these are reoccurring expenses. However, the " Pay Me '' button is appearing next to the claims which indicates that I will have to manually request reimbursement each month. The Pay Me button should not be appearing and I should not have to manually request reimbursement each month. 

The automatic monthly reimbursement of reoccurring expenses worked fine in XXXX. 

2 ) The secure email function on the Optum Bank website is unreliable. Users frequently encounter issues, such as the function " timing out '' after clicking the submit button. This not only indicates problems with the website itself but also poses a challenge when attempting to report these issues. Although Optum Bank provides a phone number for assistance, the majority of their representatives are located in foreign countries. Phone connections to these representatives are often noisy, jittery, and unstable, leading to frequent disconnections. Furthermore, the foreign-based representatives often struggle to understand US English, making it difficult to resolve problems over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: PA

Complaint narrative:
Self Inc., has charged me an annual fee ( which is not an issue ), the issue is that they did not notify me of the annual fee in no manner. I double checked my email, app notifcations, and my paper mail and Self has not till date sent me any notifications. Because of this now I have a late payment being reported to the credit bureaus. This annual fee should not be reported as late because I was not notified of the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I work for a company that participate in 1 day early direct deposit. On XX/XX/23 I awake to 18 over draft fees. I contact the bank by phone but due to weekend, I was advised to go into bank to discuss. I when to bank on XX/XX/23 and was advised that there wasn't nothing that they can do to help. And I needed to be mindful of my spending. I when again on XX/XX/23 because I received another overdraft fee and also informed that my account of 13 years has been closed due to the overdraft fees. I was advised on XX/XX/23 after being at the bank for 2 hours that all my overdrafts was for items that was posted on XX/XX/23. I explained that my regular pay date is XX/XX/23. My check was available on XX/XX/23, so I don't understand by I received all the overdrafts. Due to all the overdraft fees, all my credits payment didn't go through, which has cause late fees and over the limit balances.

Company response to consumer: Closed with explanation