vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA decided to close my accounts and prevent access to {$8000.00} demand deposit for 60 days. This results from some wire transfers I made which they determined were sent to a scammer. This is not for them to determine. All the funds deposited into my account were legitimate coming from government deposits from VA and SSA, a loan from XXXXXXXX XXXX XXXX, disbursement from an IRA and sale of an automobile to a dealer. The wire transfers were to a domestic corporation. for legitimate investment as far as I knew. It was not money laundering or any other illegal transaction. USAA had a breach in XX/XX/XXXX lasting until XX/XX/XXXX. They did not report this to any of their depositers. It appears that {$7500.00} is missing from the wire transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX Account # XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have attached documents showing this horrible mistakes on 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 2023-07-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello Ive been getting trying to get a Bank of America prepaid card. Ive had one in the past for more than 10 yrs. The one I had, expired this year. And I never received a replacement like other years. Id like a new Bank of America edd prepaid card up to date. I havent so. I have a new address of it helps. 
Its XXXX XXXXXXXX XXXX XXXXXXXX, Ca 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
My credit file is being blocked at Equifax this is a major violation as I am a consumer. I can't get insurance or buy a house because of these errors. See attached documents and unblock my credit file. Remove all fraud alerts or I will be forced to take legal action {$5000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I filed a dispute in XX/XX/2023 to Incomm Payments about funds on a giftcard that was purchased in XX/XX/2023. Before I was able to use the card, the card was comprised. Incomm denied me 3 times on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on XX/XX/XXXX at XXXX ( please see attached documents ). They stated that funds could not be recover and my case had been closed. I filed a complaint with CFPB on XX/XX/XXXX about my concerns with Incomm Payment to resolve the issues of services that were not rendered. 

On XX/XX/XXXX I received several responses from Incomm Payments ; 1. The email/voice message that they stated I received was not true. I did not receive any communication about attempts to recover any funds. They stated in their response on XX/XX/XXXX, they do not have any chargeback rights to attempt to recover funds from XXXX on my behalf. If this is a true statement, then how were they able to received the {$33.00} back from XXXX? 

2. Incomm Payments stated that the card has a Cardholder Agreement regarding Lost or Stolen Cards, the consumer 's Liability for Unauthorized Transactions, well how will the consumer know about this information if the information is inside the sealed packet? Once the card is purchased there is no refund. Please see attachment. 

3. Incomm Payments stated that they place a great deal of importance on customer satisfaction and want customers to have a Positive Experience with their product. According to XXXX  XXXX XXXX, Incomm Payments has had 902 Complaints in the past 12 months and XXXX in 3 years in the same matter as my dispute. These are consumers that had to go through extreme measures, as I have, of filing a complaint seeking recover of loss funds. Please see attachment. 

Incomm Payments has mailed me a {$33.00} Giftcard that was received on XX/XX/XXXX, but failed to rendered the full refund in the amount of {$130.00}, funds that were purchased but never used by me, the consumer. 

All major companies have Insurance to cover their losses, where is the consumers protection when their not given the services that are paid for. 

I'm seeking full refund of {$130.00} for the gift-card that I purchased with no funds on it. After doing a investigation myself and the purchases were made in another state, I'm still puzzled on why InComm Payments refuse to refund my full amount of {$130.00}. 

If I do not receive a full refund of {$130.00}, I will be seeking Legal Action from InComm Payments for their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I work for a company for which I paid cars for them on XXXX, because of that, they usually let me change their check on my account. So this time I deposit a check of about XXXX dollars into my account, and paid cars with some of it, there was no problem. Then I came back for a cashe check to pay for other cars, the teller told me that I could not use the funds that I had, when I asked why they told me it was because of the check, so I told to myself everything going to be ok because it wasn't fraud. The same day, minutes after, I received an email from wells fargo, that they are closing my accouny, I called them to know what will happen with the money, they told me it is going to take 7 business days to return it. 7 days pass to a month, I call them, the person over the phone told me that they return the money to the business who wrote the check. So my boss went and talk to the owner of the business, and he went to his bank to know if he received it, or when he is going to receive it, his bank never received any money. So I went back to my bank and told them that the money was not returned, they told me, the business owner ( the person who wrote the check ), me, and my boss ( the person 's the check was written to, need to go to the bank together to verify that the check wasn't fraud, we did all of that, but since then, we have been going back and forth to the same result, no check, and at the and they told me wells fargo has the money. The last time I called them, the guy over the phone was very rude and hanged up on me. So please help me. So in total they XXXX rom both my saving and checking account, because I already had money on my 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 explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
BJ 'S Capitalone credit card is holding and recording my payment until the past due date and charging me interest and penalties. I think this practice is illegal. 
I called them and they fixed it but tell me this is OK for them to do.I disagree.

I think you should look into this matter because others may not be as vigilant as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Thursday, XX/XX/XXXX, I called into Chase Bank to inquire as to why my debit card wasnt working. I was told at that time that my accounts were being closed. I have continued to follow up so that I can get the funds that were in all XXXX accounts that they closed. They kept saying 10 business days and I would receive a check. This week I got letters saying the accounts werent closed until XX/XX/11 and the 10 business days started then. Its been more than that already. I can not pay bills and am delinquent on a few because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is the only agency furnishing an account by XXXX XXXX XXXX XXXX on my consumer report that has a status as derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
MY PHONE & WALLET WERE STOLEN. AFTER STOLEN SOMEONE USED MY XXXX XXXX TOO SEND XXXX $ to themselves TRUIST IS BEING UNFAIR BY NOT RECOVERING THE FUNDS FOR ME SFTER I SUBMITTED A DISPUTE

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I had a credit card opened up in my name a few months ago without my knowledge. Since BOA is going through the CFPb settlement, please review to see if this was opened up by BOA and Id like customer service compensation as result of having to freeze all my reports.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC
State: MO

Complaint narrative:
Hi There We had taken out a consolidation loan a few years back after our son died ( we co signed his XXXX debt and needed to pay it off ) Times became hard, etc. I called the company explained the situation and they stated they would charge it off due to our circumstances. Flash forward XXXX years later, a company called Accelerated Inventory ManagemenXXXX bought the debt for 'pennies ' and has now filed a lawsuit against us. I have spoken multiple times to the attorney 's office ( XXXX and XXXX ) and reached a settlement agreement for {$15000.00} if we paid it immediately. Which we did. They will not send anything in writing to me to confirm this and yet STILL filed a judgment against my husband, not on me as it appears they 'extended my court date '. No one will send me anything in writing even though I have a XXXX balance receipt ( attached ). How can they legally file a judgement against us even though we reached a settlement? I need help please, this is just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed XXXX inaccurately listed bankruptcies on my report. I did not file a XXXX XXXX bankruptcy filing, XX/XX/XXXX. XXXX XXXX bankruptcy filing XX/XX/XXXX. This information has been disputed over 6 times and has crippled me financially. I need this removed as soon as possible. I have already contacted a lawyer about this matters.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2023, I submitted response pertaining banking issues reported by news. I submitted question online XXXX media page. Bank of America customer service agent XXXX responded asking me to send private message or can they call me. I spoken with agent. I asked about my account and fees, if any should be returned if the allegations from news media was true. It stated banking corporations has been over charging for transactions fees {$35.00}, plus opening accounts without customers knowledge, also I asked about maintenance fees of {$12.00} that company charges for my checking account in which, I have been with over 20 plus years. XXXX stated, if any accounts are not correct please send information to her or she could look up. She was blowing smoke up my *** because, I have been charged multiple fees, and maintenance fees when no income was coming to bank. I phoned BOA on XX/XX/2023 and spoken with XXXX because a refund of {$12.00} was issued, I asked why? She stated I put in complaint about the fees on XX/XX/2023 at XXXX central standard time. That was untruthful acts. I did not file a complaint nor do it shows on my phone, I contacted organization on that date/ time. She was frustrated asking me, what should she do? Refund it? I stated I never asked for a {$12.00} refund plus that's insulting my intelligence when, I have been paying fees to this organization for years and they send me only {$12.00}? I can see a few XXXX but {$12.00}?? The company name and charges all over news media but when I a customer calls and ask about account XXXX the online media associate put in a false claim on me stating, I was complaining about the maintenance fee? I think this is the lowest thing someone can do to a customer or individual

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 monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I opened a Milestone credit card a few years ago to build my credit up. Once I had good credit, I requested to cancel this credit card over a year ago, but a few months ago I found out I was still being charged for it.I called to get confirmation of cancelation and asked for a a letter stating it was canceled. I also asked for them to reverse the reporting. They are still reporting incorrect information even though this card has not been used by me in over a year and has been closed. This company is falsely reporting information on my credit report. Please remove. They are not only reporting under XXXX XXXX XXXX but also under milestone. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: VA

Complaint narrative:
I have been awarded XXXX to bring account current the payment was sent XX/XX/2023 at XXXX I've call my lender 1000 times and the keep saying the haven't received it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed XXXX inaccurately listed bankruptcies on my report. I did not file a XXXX XXXX bankruptcy filing, XX/XX/XXXX. XXXX XXXXXXXX bankruptcy filing XX/XX/XXXX. This information has been disputed over 6 times and has crippled me financially. I need this removed as soon as possible. I have already contacted a lawyer about this matters.

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