vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I have opened an account with US Bank which was initially funded with {$200.00}. I have opened an account reacting to the {$300.00} bonus offer sent to me by the bank ( XXXX XXXXXXXX ) as the local branch in XXXX XXXX XXXX, IL refused to open it. I was told that this is online offer only and to get the bonus I must do it online. At the account opening I have explained that I work overseas and the payment for my work coming from XXXX will be in form of international wire. I was told that is acceptable as long as the payment is made for a payroll purpose ( which it was ). Subsequently I was provided with a US Bank routing info which was incorrect ( XXXX ) along with the XXXX XXXX which was incorrect as well which delayed the payment processing to more than 30 days funding scenario after account opening. I have had a conversation with person name XXXX who was a supervisor at the US Bank who informed me that the notes will be left on the account to explain the situation and bonus being provided after the {$3000.00} plus balance held for more than 30 days will be fulfilled. On XX/XX/XXXX I called as the bonus was not credited and found out that my account was not credited since the " international wire '' is not a direct deposit, contrary to what I was told at the account opening. Also the person assisting me, XXXX made a representation that she can address the issue of bonus right then when I called and after a while into the conversation it became an evident she lied to me as she was actually not qualified/authorized to address it. Question to the US Bank I have is this : 1 ) Why is the US Bancorp so unprofessional as to misrepresent the financial products requirements to obtain the bonus and when the funding requirement is actually met to deny it?

2 ) What does it say for the bank to send wrong routing/swift numbers to consumer and was it done on purpose to delay the funding of the account thus make it ineligible for the bonus?

I think it is reprehensible that the US Bank is allowed to do business this way and the CFPB should investigate whether the issue is systemic thus warranting regulatory action. In my opinion it is.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received the attached letter from XXXX Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.

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 2022-03-31 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: FL

Complaint narrative:
I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}

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 2022-03-31 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: FL

Complaint narrative:
I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
For the past two days, XX/XX/XXXX and XX/XX/XXXX I have tried to get in touch with an Experian live person to get access to my free credit report. I have not frequently tried to access the account. I am trying to unfreeze my credit so I can apply for a mortgage refinance. Currently, they are denying me the ability to do that. 
Online message is " OOPS '' when I have tried multiple times. I can not get any assistance through their published phone numbers. They offer the same recording regardless of which number is called. Their is no resolution to my not having access to my " free '' credit reporting that is allowed to me by law. 
I can not wait days to mail in anything. There is no indication as to why I do not have access. 
I thought the open online access is guaranteed to all citizens by law. 
They can reach me at ( XXXX ) XXXX or ( 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 explanation
Consumer complaint received 2022-03-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation 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 2022-03-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation 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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a Retirement plan check from XXXX in the amount of {$3000.00} on Monday, XX/XX/XXXX at the Bank of America branch in XXXX XXXX. The cashier informed me there would be hold on the funds until XX/XX/XXXX at XXXX which was acceptable to me. I received a deposit slip and notice of hold form from the teller verifying the availability of funds on XX/XX/XXXX. After the check was deposited and no longer in my possession, Bank of America showed on the account that the funds would not be available until XX/XX/XXXX. This is going to cause me to receive and eviction notice since my rent will not be paid on-time as well as prevent me from paying for XXXX XXXX and obtaining XXXX as well as being charged late and other fees. If the bank had advised me of the XX/XX/XXXX date I could have made other arrangements. I called Bank of America and I got a lot of XXXX  as they had to wait to receive the funds through the XXXX etc. The length of time for them to clear a check from a financial institution like XXXX seems quite excessive and abusive. The bank should be held to the agreement made at the time the deposit was made and as shown on the hold notice and not be able to change the rules after I am no longer in a position to pursue other options.

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 2022-03-31 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account NameXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX  Account # XXXX, Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account NameXXXX XXXXXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX 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 2022-03-31 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-03-31 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's . 

The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/24 I tried to pay a merchant {$240.00} via XXXX XXXX. After a few failed attempts I charged the pymt to my Debit card. Next day there were two xactions ( one from XXXX XXXX and one via debit card ) but merchant only recd one. I disputed the xaction that the merchant didnt receive but the bank charged back the one the merchant DID receive. I had to reimburse the merchant directly for the funds they took from her so Im still missing the {$240.00} from the XXXX XXXX xaction. I have made several calls and asked to dispute the one the merchant didnt get but they refused to allow me to dispute it. Meantime, I had to pay the merchant {$240.00} AND my acct hasnt been credited for the {$240.00} XXXXXXXX XXXX withdrawal so Im still out the same {$480.00} I was out on the day I filed the claim. I believe that by refusing to allow me to file a claim for the XXXX XXXX xaction, the bank is in violation of Reg E because I sent {$240.00} to a merchant that the merchant didnt get but the bank has refused to allow me to file a claim to get those funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I booked a round trip flight reservation for my family in XX/XX/XXXX through the US Bank XXXX XXXX XXXX using points we had accrued using a US Bank credit card. The flight was for a trip taking place in XX/XX/XXXX. A few days before this trip was to take place, I tried to check our reservation to verify our familys seats, and I was surprised to find that our reservation could not be found using the airlines confirmation code. I called the US Bank XXXX XXXX XXXX and spent the next 3+ hours on the phone with the representative going back and forth with the airline. Apparently our outbound flight reservation was never confirmed and we lost our reservation. I was presented with options to be rebooked on a different flight with the same airline ( the original flight was apparently no longer available ) 3 times, and each time the representative came back to tell me those options were actually no longer available. So after 3 hours I was told my only viable option was to cancel the booking and get a refund. My family had already purchased theme park tickets, booked a hotel room, and a rental car for our trip so being without flights was a huge problem. They offered no other option such as rebooking on another airline at no cost, so we were stuck with booking a new roundtrip flight 3 days before departure at more than double the cost of what we originally paid in XX/XX/XXXX. We are looking to be reimbursed for the cost of the new trip in addition to a refund for the original booking, due to the error being no fault of our own. The US Bank representative I spoke to told me I would need to go through the airline rather than them, even though we made the reservation through US Bank.

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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally lending falsely released funds to XXXX XXXX XXXX for unfinished/and substandard work. XXXX XXXX XXXX was hired on XX/XX/2021 to replace the plumbing throughout my home. XXXX XXXX ( representative for XXXX XXXX XXXX ) informed me that funds from the loan would not be released until XXXX XXXXXXXX XXXX completed the work. I was told by XXXX XXXX that the job would be complete in approximately a day and a half. On XX/XX/2021 the water was shut off and all of the plumbing was removed from my home. Garbage was thrown on my lawn were it remained for a month. The work remains incomplete. Ally lending release the funds to XXXX XXXX XXXX on XX/XX/2021. Ally lending have been made aware of the situation but have continued to pursue me to pay this dishonorable debt.

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 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I purchased {$28.00} worth of XXXX XXXX at CoinBase in order to make a purchase using my CoinBase card ( which is funded by XXXX ). 

The {$28.00} purchase later failed and my account was marked for recovery of funds. This is not a problem and has happened before. I clicked the steps to make a payment to cover the failed transaction and received a " Success '' message. I then received XXXX emails over the next 24 hours letting me know that funds recovery was " complete ''. 

My account remained locked, unable to use my funds. 

I have tried to pay several more times and have received the error " Too many transaction attempts '' for weeks. This obviously was caused by their system trying to recover XXXX times ( hence the XXXX emails I received ). 

I contacted CoinBase support via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I called Coinbase on XX/XX/XXXX and after an hour long phone call was told to wait for an email response. 

The last response I received from CoinBase was on XX/XX/XXXX and was an automated message stating " they were aware of my issue ''. 

I have attempted to contact them twice more ( XX/XX/XXXX, XX/XX/XXXX ) via responding to my ticket and have received no response. 

I have not received an update from a human being since the XXXX XXXX XXXXXXXX. 

The case number is case # XXXX or # XXXX

Company response to consumer: Closed with monetary relief