vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Good Afternoon, I had filed a fraud claim with Navy Federal Credit Union for transaction on XX/XX/23 for {$340.00} with XXXX. We had reserved the vehicle picked it up XXXX, VA, however due to MAJOR issue with the vehicle that jeopardies the safety of my family we had to change while driving in XXXX, KY. When we arrived to KY airport they gave us way smaller vehicle. I had provided all document to navy federal the report that was made all the paperwork receipt agreement and they did nothing. No proof of attempt to collect the amount, charge back request nothing all I got was we are sorry. As a consumer they did not provide any protection or even assistance. I had called NFCU several times to asked if there is any addition docs need and they and they stated all is good, until it was not and said that they are unable to assist and the claim is decline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-18 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: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-08-18 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: IL

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account XXXX XXXX XXXX XXXX account # XXXX Opened Fraudulently on XX/XX/2023 {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
XXXX XXXX  I opened XXXX accounts for my self and my employees at Optum Bank. On XX/XX/ I deposited {$1000.00} into each of my employees as well as my XXXX account. Almost immediately, Optum Bank has managed to lose my deposit, per their website there was a ACH withdrawal of {$1000.00} the same day I made the deposit, except I had no access to the account and the funds weren't even available at that time. I discovered this error when my wife tried to use the XXXX debit card and it was rejected. Optum has given multiple excuses, including a security breach and system errors, however they have done nothing to resolve the issue, On XX/XX/XXXX I was told they are trying to resolve the issue in batches meaning this has happened to multiple people. Optum Bank has essentially held my money hostage for XXXX weeks and can give no estimate as to when it might be released. I have asked Optum to credit my account for the {$1000.00} until the resolve the matter they have refused. they literally lost my deposit within hours of me making it and clearly in no hurry to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: ME

Complaint narrative:
I added a new bank account and verified autopay is on ( it currently still is ). Upgrade sent me a confirmation email the night I changed my bank account and their website confirms this change. Upgrade failed to deduct my autopay balance on the date set up and is not returning my calls or emails. I now have a delinquent account due to their automation failures, zero fault of my own. I have attached a screenshot of the email sent immediately after updating my account that confirms autopay is on. It also shows active in my account under manage bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
I tried to pay them but they rejected my payments saying I had insufficient funds, however, I have documentation that I had nearly twice the funds available in my account. They did this on two occasions, charging me {$30.00} fees and refusing to refund those fees. If theyre doing this to me theyre doing it to many people. On one occasion I attempted to pay {$1400.00} with {$3300.00} in my account, and on the second occasion I attempted to pay {$240.00} with over {$9000.00} in my account. I didnt have insufficient funds, but they did it to charge me extra fees. I took the loan out XX/XX/23 and made the first {$1400.00} payment XX/XX/23 and paid in full by XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2023-08-18 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:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as LVNV FUNDING and I have no legal contracts and Ive given no authorization for the sale of my information. LVNV FUNDING has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
According to a statement that I received in XXXX, my escrow account had an overage of over {$11000.00}. My taxes and insurances have been paid. I was told I would be issued a check within 30 days. According to the company, a check was issued on XX/XX/23, however this was voided. I was initially told it was returned via the mail ( although sent to the correct address ) then subsequently told it was written for the wrong amount and they actually owed me ~ {$15.00} dollars (? ) more. A new check was being issued and it would be arriving in 10 days. I have called several times since then and have received a variety of answers- had to go through a second verification; making sure all bills were paid on the property ; escrow department needing to approve. As of today, XX/XX/XXXX, the check has not been issued. No one can tell me why. I have made several calls. This is a substantial amount of money and, to be quite honest, I am concerned about this company. Our mortgage was sold to SPS by XXXX XXXX, so did not choose them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XX/XX/23 I purchased a generator from XXXX online using my cc. They sent me a damaged generator and I filed a dispute. Citi has issued a conditional credit but here is my dilemma : XXXX is NOT answering any of my emails or phone calls so we can reach a resolution, Citi will keep this dispute open too long for me to prep for hurricane season ( need for generator in first place ) so I'm stuck with funds in limbo and a non functional generator that I paid for ( new but sent damaged ) and I need a resolution TODAY on this matter so I can either replace the generator or at least know there is some conclusion to this mess now as opposed to continuing to have to deal with this well into hurricane season. I'm seeking an IMMEDIATE resolution to this matter and am unwilling to wait months on end for Citi to finalize this.

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 2023-08-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF XXXX Account # XXXXXXXXXX XX/XX/2021 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have several issues with what happened. First off, I have spent over XXXX hours in total to get an answer with this and still can not get to someone to find out what has happened. 
I went in and closed all my accounts with US Bank. They failed to close the account and allowed more transactions to come out beyond the pending transations. They stated that the closed the account and I left enough money in the account for the pending transations. They failed to close the account as I had requested and allowed new transations to come out of the account. Then I was able to show them that the money that was in question of coming out was in fact not supposed to come out as I had cancelled that policy of what was coming out. This was the second time off having the account closed. Then got a letter in the mail of a discharge off of the account and this should have never happened as I proved that the money was not to be taken in the first place. Then over a month after closing my account, I find out that it had been reopened without my consent. I was now even more upset and went in to have the account closed again. About XXXX weeks to a month later, I receive a check from US Bank. I took it in to the bank and asked them about the check. I was told that it was a good a check and that was what US Bank had owed me, so I took it and deposited it into my new bank only to have a hold put on the check for a week. This check was over XXXX  dollars. Then find out that they put a stop payment on the check. I then called US Bank multiple times to find out why a stop payment was placed on this check after I went in and verified that the check was good to cash. No one on US Banks end could tell me why the check had the stop payment XXXX it and I was passed around and around from person to person and department to department. The final straw was that I was told that I had to call yet another number and that I would have to just wait on hold. This was not acceptable for me and I am tired of wasting my time with the run around that I am getting. I still have no answer on why the check was sent in the first place or why the stop payment was placed on the check.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Open a claim with chase for multiple transactions on my account that I didnt authorize I lost my entire wallet. And chase didnt even investigate they just denied my claim and closed it because of claim abuse which is total XXXX I use chase for everything and been using them for years. I am thinking about closing my account and closing all my family account to go to a local bank because this is totally unexplainable. The employee I call too was super rude didnt even help one bit and seem like she just wanted to get off the phone as soon as possible. The claim was for a total of XXXX and it was close in a day there no way you can investigate in a day! I am gon na seek legal action if this isnt resolve between me and chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FL

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 2023-08-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Credit Cards. They have raised my interest rate to an extremely high rate. I called and they will not lower. It is currently 20.24 %. At this rate I will never get it paid down. It is the highest interest card I have. Can you 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD double cash card is not showing on any of my credit report please fix this. Also the app is not showing my card information such as balance or how to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: IA

Complaint narrative:
I wrote a check to XXXX XXXX and had it was declined. I was shocked as I have had my account for almost 20 years and never had a returned check. When I called Certegy, the company used by XXXX XXXX to " approve ' the check, I was unable to reach a live person for a response. I then went online and the response indicated there are several factors and that ultimately XXXX XXXX is responsible for the check cashing guidelines set ; however, I could obtain 'more information ' but they would need items such as my social security number to provide that. My social security number was not used in making this transaction/decision and should not have been a factor or needed to provide a response. 
I then contacted XXXX XXXX and requested a written copy of the guidelines set by their company and was unable to obtain a copy. XXXX XXXX indicated that Certegy for was wholly responsible for the guidelines set. 
As previously stated, Certegy 's response was vague and did not provide guidance related to the specific reason for denial and how it pertained to my prior check writing history. Certegy ultimately put responsibility back on the retailer. I did not consent to Certegy obtaining any of my personal information so it is unclear what information they used and how it was used and I did not feel comfortable providing information that I did not provide to make the check writing decision so that they could provide additional information. My prior history writing checks at XXXX XXXX, the length of my deposit account and my check writing history would not be a reason for denial as I have never had a returned check to XXXX XXXX or on my account. 
Certegy Reference # XXXX Date XX/XX/2023

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 2023-08-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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