vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I had a XXXX account with a US bank that I closed. I have not been able to use XXXX  with any of my new banks due to this XXXX  account not being properly closed. 

I call XXXX and US Bank, and they each blame each other with no resolution or conference call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
I was informed that I have an open XXXX debit card with only monthly charge fees and not active usage but attempting to collect past due account fees that amount to XXXX In fees. I was able to give all correct information from XXXX but they are saying in order to give more details I must provide correct apartment number which was provided but they told me it was the wrong apartment number provided. I never opened a XXXX card nor did I stay on another apartment at the address provided which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX IL XXXX. This is an attempt to collect a fraudulent debt which is not on my credit report. I have also filed for bankruptcy in XXXX XXXX XXXX. I do not understand why or who is trying to attempt to collect fraudulent amounts/ company name RGS Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I called AcimXXXX and spoke with a Rep about my bi-weekly payment not being processed. He said usually they will process before for after the date given if you have it on automatic payment which I did not know. He also stated that my payment bounced, it did not the money was in my account. We went back and forth about about that issue and I told him I wanted to to close my account on the date XXXX for {$230.00}. He became agitated because I told him to please stop saying my payment bounced. After my bi-weekly payment was taken with my debit card he hung up on me which was very rude because I was on my break and Idid not have time to call back and report it. I called on XX/XX/23 to see why they did not take the payment to close my account and I was on hold back and forth for a little over an hour for them to listen to the call which was inconveniencing. The supervisor mentioned that I did not say yes to close my account but that was what our conversation was about after we discussed my bi-weekly payment. They said I will owe over {$500.00} now and no one ever apologized for the representatives behavior. Customers should not be treated this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner Finance put a bank levy to garnish funds without notifying me. They sent no Notice of Garnishment. They didn't make me aware via telephone nothing. I called on XX/XX/XXXX and XX/XX/XXXX and left a message sharing that I would not be able to make my payment until the end of the month. I received no return call and on XX/XX/XXXX all of my funds in my account were frozen. The bank told me to call Mariner finance they wouldn't tell me anything about the Garnishment. I called on XX/XX/XXXX repeatedly. Noone answered. I called back and complained on the answering machine about 20 minutes later. No response still. I called back about an hour later and suddenly the answering machine was changed and XXXX XXXX stated she would not be in the office until XX/XX/2022 I complained again and stated I would be filing a complaint. Suddenly the branch office calls me and tells me I have to talk to XXXX in collections. 
I call XXXX in collections again because she is who I left the messages with on XX/XX/XXXX. I get the answering machine. I call the branch office back to complain they transfer me over to collections and then I am told to leave a message on yet another collection managers answering machine and they will call me back because XXXX won't be back until XX/XX/2022. I never receive a call back from any manager. 

I call XXXX on XX/XX/2022 and she tells me they put the bank levy to freeze {$3200.00} ... .every cent I have because I owe a total of {$1600.00} which will bring my account current. I agree to pay. I wait 3 hours for a letter of consent to disbursement of funds to be sent to the branch office. I sign the letter and take it to my bank. They call Mariner finance collections office and cant reach them also. It is now XXXX XXXX and I can't talk to anyone who can help me with my account.I am told yet again the person that handles my account is not there. What type of business practices are they conducting?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy. 
15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account Name XXXX XXXX CRED XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/22 I used the Bill Pay ( Mobile Banking ) service offered by Huntington Bank to send a {$570.00} payment to XXXX XXXX. I have done this monthly over many years. On XX/XX/22 I noticed XXXX XXXX  had not credited my account. I called XXXX XXXX  ( XXXX ) at XXXX and spoke to them for 16 minutes. I was told they did not receive the {$570.00} They were very helpful and open up a incident report. I was going to receive a e-mail that I was reply back to with any documentation etc. Excellent service. I then called Huntington Bank ( XXXX ) and waited on hold for over 45 minutes till I spoke to some one. All they could tell me was that the money was send and to call XXXX. There stance was the money was sent. This call logged a total of 54 minutes. I went to Huntington Bank on XXXX, Ohio ( XXXX XXXX XXXX, XXXX, Ohio ) on XX/XX/22 and spoke to a woman working on the counter. I was again told the money was sent and given documentation of the transfer. ( Huntington had flooding issues etc in XXXX and transaction delays at the same time of my transaction ) She did not seem to care about the coincidence, only that the money was sent. I then went to XXXX XXXX  and spoke to XXXX XXXX ( XXXX XXXX XXXX, XXXX, Ohio ) She was very helpful and offered to assist any way possible. ( I am to send her screen shots of my account to be forwarded to their resolution dept ). She stated that they have no reason not to complete the transaction if the money was sent. I agreed with her its more likely a Huntington issues, but no one at Huntington seem to want to resolve my problem There stance is was that the money was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/22 I was told by someone at Bank of America, that the check I needed to deposit was going to be available in 24 hours. So I proceeded to deposit my check in my account to cover the items that were going to come through in my account. After my check was deposited I received the notification that it would be 24 hours, to only find out my funds were not going to be available until XXXX XX/XX/22. I called BofA to see if upper management could handle the situation. No one there was willing to get on the phone to call the bank where my check came from. I was told that my items were going to go back with fees. The total of my check I deposit was {$7300.00}. I feel this is wrong and that humans are getting lazy, depending on a computer to decide when the funds are released. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. AddressesXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : 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 2022-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: TN

Complaint narrative:
At XXXX pm on XXXX XX/XX/2022, I received an email notice from Discover Bank stating that unusual activity has been noticed on my account, that my account has been summarily rendered inaccessible, and to call their security number. I called and waited on hold, then it disconnected me at 3 hours and 2 minutes of holding. I called again and waited on hold, then again got disconnected at exactly 3 hours and 2 minutes. I called again the morning of XXXX XX/XX/2022, and the same 3 hours and 2 minutes disconnected hold happened again. On a fourth call, the automated machine states that a wait will exceed 3 hours. On another call to the main line, the representative stated that the only way to get in contact with security is the wait on that line. However, Discover disconnects calls at 3 hours, so it may be impossible to get in contact with the relevant department. As it stands, Discover has revoked my access to my money while not accommodating any attempts to make contact. I have spoken with others who bank with Discover and have found that they too are in this situation with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a zero balance on my credit cards ). The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a XXXX minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By sitting on over {$3000.00} of my money are they going to pay interest?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Check was issued to IRS from escrow company, because I owed IRS at that time. {$6900.00}. I deposited remotely the check on my checking account and was considered a fraud. They closed my account, did not, wont release the funds to me, or escrow company ( check issuer ) because they want a process for IRS to do. I personally went to IRS office and they told me that what Chase is asking for is against their policies and will not sign anything. 
They give me turn around and dont help. Ive called sooo many times, walked in the branch so many times and I give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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.

Company response to consumer: Closed with explanation