vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022, my client deposited over $ XXXX in XXXX XXXX checks to open a savings account at Chase Bank . Interest then accrued and was paid to the account. 

On XX/XX/2022, the Chase Bank account statement reflects all money was withdrawn and the account was closed. 

My client has not received any funds whatsoever as of XX/XX/2022. 

Chase Bank first said a check for the account funds was sent by mail to my client 's XXXX, FL address. That check never arrived. 

Chase Bank then said they weren't authorized to send my client any check, so no check was sent. Chase Bank also said because the original checks were from XXXX XXXX ( US ) in US dollars but the checks ' maker was in XXXX, they were not able to verify the checks and are unable to call outside the US. The XXXX  maker said the funds had already been transferred, so they can not cancel any checks. 

Chase Bank then said my client had to go in person to a branch with 2 forms of ID in order to discuss the account. On XX/XX/2022, he did go to an XXXX, FL branch, but was told it was a " back office '' issue and they could not provide any other information. Branch escalation also had a case file, but referred us to the " loss prevention department, '' which still has not provided any information on the location of the funds and how my client can get his money back. 

Chase Bank continues to hold on to the {$1.00} million of my client 's funds ( 2 months after they were deposited at Chase ), closed my client 's account, and refuses to return the funds to my client. 

The funds were meant to make a real estate investment, which my client has not been able to close due to the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I sent a payment for {$20000.00} to Barclays to pay off a card. They informed us they did not receive it and should send another payment. In the meantime, they cashed the first check and applied it to the wrong account, then cashed the second and applied correctly to our account. After numerous calls the acknowledged their mistake and said it would take at least 30 days until they can return the {$20000.00} they mistakenly applied to someone elses account. I cant wait 30 days for a mistake they made, its $ 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 monetary relief
Consumer complaint received 2022-08-04 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: NY

Complaint narrative:
Upon checking my credit report I noticed that there are two accounts from XXXXXXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXXXXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : 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 writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

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 2022-08-04 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: MS

Complaint narrative:
I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

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 2022-08-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 2022-08-04 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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account 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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this on my behalf without any third parties. On XX/XX/2022, I received a debt collection letter, without my consent, from Helvey & Associates , Inc. claiming I owe a XXXX XXXX XXXX. I do not know them, I do not owe any alleged debt, nor wish to do business with either corporation. Im not aware of how this corporation got my private personal information but it is a violation of my right to privacy. I demand all communication cease or else Helvey & Associates , Inc. will be in violation of the F.D.C.P.A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: LEXISNEXIS
State: FL

Complaint narrative:
Recently my insurance premiums substantially increased resulting in XXXX dropping me as a customer after 30 years. I had to find alternate insurance and obtained XXXX. The issue I have is XXXX XXXX reported me as being " at fault '' for my one and only collision. ( I have had parking dings ). But the police report states it was a " no fault '' accident. I provided the police report to XXXX along with an explanation but nothing was done just a standard letter requesting more information which had already been provided. 

According to discussions with XXXX, they indicated they used the XXXX XXXX report to determine insurance premiums including any lapse in coverage. There was a 2 week lapse when I was not aware XXXX dropped me until the next premium payment was small. When I called to find out, I learned I no longer had XXXX Auto and immediately secured coverage. This lapse was a first for me and was immediately rectified. I am paying outrageous premiums now that are based on the assumption I was " at fault ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 2022-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have tried to resolve this matter with Chrysler Capital directly on multiple occasions and have gotten a run around. Account # XXXX I called to extend my lease and put the account on autopay, I noticed no payment was withdrawn so I made the payments. I then see a late has come on XX/XX/2022. Yet I also received two refunds from Chrysler Capital so I am unsure how this was ever late or what issue is. I also requested payment history and retail installment sales contract which they just sent a letter back informing me that they can't help me either they don't have enough information to help me or they addressed this issue which they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unable to lift the security freeze, as required to obtain a new loan. After logging in, when I attempt to access the freeze, I get the following error message : " Status not found. We're having trouble loading your information. Please try again later. '' I've been sending them daily messages since XXXX. The customer service representative that responded to my email provided generic information on lifting freezes. They did not comprehend that there is a glitch that needs to be addressed. I'm unable to reach a real person via phone.

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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Synovus Bank
State: GA

Complaint narrative:
Synovus Bank has me blocked from my small checking and savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX services and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted Experian on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including Experian, XXXX, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report 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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was scammed by loan companies in order to refinance federal loans i was receiving grants for they took loans and sold off to different companies without authorization i believe my loans are from uncredited schools and are not rightfully mine I would like them removed from account they are affecting my life with an unreasonable amount I'm not able to pay and don't believe are mine. Lots of scams attack XXXX  XXXX and we will never get out of 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 non-monetary relief
Consumer complaint received 2022-08-04 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: LEXISNEXIS
State: MS

Complaint narrative:
I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MS

Complaint narrative:
I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

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 2022-08-04 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: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-08-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX I made an agreement with the company Wells Fargo to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to XXXX as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on 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 2022-08-04 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2022-08-04 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: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month 's end billing. I was told because they took over the XXXX XXXX  from XXXX  XXXX in XXXX ( which business takeovers happen daily ) and I had a {$200.00} balance with XXXX  XXXX. I was paying a finance charge on the {$200.00} purchases I had with XXXX  XXXX and the new purchases I made with the card since Comenity Bank took over was a separate finance charge. I attempted reaching out to management via email and voice call without any correspondence. The bank is receiving multiple negative reviews with practices that doesn't make since to consumers. I have never been late on the account and since they have taken over this account from XXXX XXXX, there has been nothing but issues including online payment system going down for months and not having access to your account. Totally stressful!

Company response to consumer: Closed with explanation