vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
-My husband 's direct deposit did not go through for the week of XXXX XXXX XXXX XXXX due to the processing error with the XXXX XXXX and Federal Reserve issue . Our XXXX XXXX account was overdrawn. It was an error by XXXX XXXX XXXX, which is the private operator of the XXXX XXXX XXXX payments system that works with the National Federal Reserve. The Federal Reserve was working with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation late last night on XXXX XXXX XXXX  and the paycheck that was missing was finally deposited into my account. -Because my bank took so long to correct the situation, I am being charged a {$30.00} fee for a {$20.00} gas purchase/transaction on XXXX XXXX from XXXX and by debt collector CheckRedi Payment Services XXXX I have tried to get it waived and no one can eliminate it. 
This recent inability to access my funds, was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with TXXXX XXXX XXXX and the Federal Reserve. 
-They told me " We do not remove fees for bank errors. You would have to seek re-imbursement from your financial institution if their error occurred you a fee. Your balance owed with fee is {$50.00}. You may call back to make arrangements, or you may pay the balance in full online at https : //www.checkredi.com/pay-online.cfm. 
Please keep in mind that our system can randomly resubmit the transaction and fee to your account if a payment is not made. '' -They also told me, " That would still be the network your bank was using for deposits. We were not made aware of any issues. Also indicated in the letter from XXXX which is prior to your purchase and you were already supposed to have the funds available upon the purchase at the point of sale, up to 1-3 business days. We can not waive the fee. '' -It 's very unfair that no one has communicated this information to all businesses and that I am being charged a fee for an error that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I don't recognize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I received an escrow analysis from Rocket Mortgage on XX/XX/XXXX XXXX XXXX. They informed me that my County tax will be increasing {$2600.00} ( Rocket mortgage OWN ESTIMATE for XXXX ), representing an 82.3 % increase within 1 year - No significant work has been conducted ( resided here for 2-3 months ). For reference, the tax has increased 51.8 % from XXXX to XXXX, with the single highest year increase being 24.6 % in XXXX. 82.3 % is a borderline criminal estimate. This would also present as a 10 % increase to my monthly payment, 2 months after closing on my property. 

I reached out immediately after work, starting a live-chat with XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I stated the issue, and asked " I'm curious how the value was reached ''. No details were provided, only that the estimate was {$5800.00}. She also stated the only way to re-estimate would be to wait until the next escrow analysis ( 12 months from now... ) or provide an updated bill for XXXX taxes, which per the tax commissioner office in my county, is conducted in XXXX each year, and a bill is compiled in XXXX ( 8-9 months from now ). 

An 82 % increase to my County taxes is a gross miss-estimate, they provided no justification for the value. To exacerbate the matter, I have a snippet of my escrow summary that shows a yearly/monthly payment that doesn't add up. 

Property Taxes ; Yearly ( {$5800.00} ) Monthly ( {$260.00} ) - This equates to {$3100.00} yearly... 
Homeowners Insurance ( HOI ) ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( rounding errors, close enough ) PMI ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( exact tie ). 

Might be worth noting they tried to buy-down interest rates without my consent, and used that to advertise a lower rate... But that's another story for another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently opened a business savings account and checking account with Chase Bank during the month of XX/XX/. All the requested paperwork was provided, and the business accounts were opened. It was then suggested that I apply for a Chase Business credit card, and I applied. Again, all necessary documents were provided, and they ran my credit, which happens to be around XXXX. Chase then mailed me a letter about possible identity theft and that I needed to call them and verify some information. I did that. I called them for an update and was basically told that the application was closed and that I should re-apply. I asked why and was given no answer. Why would I need to re-apply and have them run my credit AGAIN. This was done and I was told that I was verified. My reference number that Chase provided to me is XXXX. I could understand if they made a business choice to not lend to me but explain that. I happened to be in the top 10 % of credit worthy people and pride myself on having and maintaining excellent credit. To just say, apply again is not right or fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.

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 2023-11-15 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 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 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 2023-11-15 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: CARD Corporation
State: TX

Complaint narrative:
Card.com Block my account with out telling me i call them few months ago they so call say wrong date of birth that cant not be true i offer to mail my ssn number and ID then they told me it would take up to XXXX hours after i callback still no help my prepaid card is block for no reason and they about the fees also because they are charging me {$9.00} ever month and my card it block i cant use it i also verify ssn number and ID i ask just close my account and send my balance in mail they said no

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money back.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been submitting disputes to Experian with no success. I have reported this issue with CFPB but they still wont respond. I have a new collection account on my report that isnt mines. I filed a disputed today XX/XX/15 this morning and its has resulted as updated this afternoon XX/XX/15. They are not properly investigating these accounts.

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2023, I utilized my Amex Blue Business Plus card to refer my husband, aiming to secure a referral bonus. At that juncture, the referral bonus stood at XXXX membership points. I possess video evidence wherein my husband employed my referral link during his application process, ultimately receiving approval. 

Upon verification with a representative, I was informed that the referral bonus would be credited to my account within XXXX weeks. However, as of XX/XX/2023 ( four months post the initial credit card approval ), I was informed by the representative that, following an internal investigation, no referrals were used. 

Reiterating, I have a recorded video illustrating my husband 's utilization of the referral link and subsequent approval. The motivation behind recording this evidence stems from a prior occurrence wherein a similar discrepancy arose in my account. I aim to ensure irrefutable proof of the referral usage and subsequent approval in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MO

Complaint narrative:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-11-15 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: MO

Complaint narrative:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am not sure that this medical debt is accurate. It shows that this account was opened XX/XX/2022 and I do not have any knowledge of this collection, I am asking that it gets removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A check you deposited for the amount {$2300.00} to acct XXXX wasnt funded and had to be returned. 

Your balance is- {$2200.00} as of XXXX XXXX XXXX XXXX 



And as a result of this my account was closed I had no idea that the check wasn't legit I had a previous problem like this being scammed I'm just trying to establish some credit so that I can better things and make it a lot easier for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received this email to one of my email addresses. Since I believe all messages should be read only in the Bank of America website, I considered it as a fraud. The logo of Bank of America and 'lock, ' which has the same image of envelop with key and clip on the top of the print out/scan are disappeared.

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 2023-11-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Continental Finance Company, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Continental Finance Company whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-11-15 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: LA

Complaint narrative:
XXXX & TRANSUNION have been illegally furnishing RE-AGED US DEPARTMENT OF EDUCATION account # XXXX XXXX & XXXX 3rd party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my XXXX on my Bank of America was suspended by Bank of America I would like to have my XXXX account unsuspended.

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 2023-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation