vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX/ {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-18 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I enrolled in XXXX through my credit card company ( XXXX, XXXX XXXX XXXX JP Morgan Chase XXXX XXXX The XXXX did not trigger at the end of the payment period and thus there was a large balance on my account. As a result, my credit score dropped significantly. When I called JP Morgan Chase, I was told that they did not automatically pay the balance because, at some point during the pay period, I had chosen to make a payment on my account ( to minimize my balance... .like a person trying to maintain good credit ). 

This is false advertising. If XXXX enrolls in XXXX XXXX, you do so because you expect that the company will not let you take hits to your credit like this for unpaid balance. 

When I called the company, they seemed disinterested in this being an issue. As a result of this issue, my credit is worse and I'm having to dispute this through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I've tried repeatedly to get a credit report from Equifax. They do not respond, or they say they can not verify me. I've sent in documentation such as a valid Driver 's license, Social security card and utility bill and still no information is given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i am unemployed for 3 months. facing loss of apartment. forced to sell my car. got the check yesterday XX/XX/XXXX. deposited check for {$7000.00}. Chase bank told me i had to wait 1 day to access the funds. then proceeded to tell me they were not going to cash the check until XX/XX/XXXX because of suspicious activity. I got in contact with Chase Deposit department ( today ) and they told me that there was nothing they could do. that i had to wait until the XXXX or XXXX to get my check back. 

they are essentially holding my account/ my money ( {$7000.00} ) hostage. they will not let me go to the bank of the check ( XXXX ), they will not let me use my money. I have urgent bills that need to be paid immediately otherwise i face eviction. i havent eaten because i have no money. 
Chase bank continuously discriminates against people with low amounts of money in their accounts. I have friends with XXXXhase that are better off and they dont experience these issues.

I can not wait 7 to 11 days to get my check back. Please help me i told them how urgent and dire my situation was and they dont care. i asked for a supervisor or name information from the phone call and she refused to give out full name. I cant even report to Chase because they dont care. 

I have XXXX to my name, I need the {$7000.00} so that I can continue to live

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I entered into a consumer credit transaction iwth American Credit Acceptance on XX/XX/XXXX. They reposessed and sold the vehicle in XX/XX/XXXX. They continued to list the tradeline with CRAs even though they collected payment for the vehicle when they sold it. I sent a cease and desist on XXXX that they never validated. American Credit Acceptance removed the tradeline on or about XX/XX/XXXX from the CRAs. I mailed an invoice for all civil liabilities. I demand payment in the amount of {$48000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a checking account with SunTrust which is now Truist. On XX/XX/21 a check was forged and cashed for {$9800.00} which was originally issued to XXXX life insurance for {$260.00} written on XX/XX/21. The name on the check was changed to XXXX XXXX Checking acct no XXXX, which was immediately suspended and now with the merger the account information is no longer visible to me. 
A dispute affidavit was submitted on XX/XX/21 and a fraud case was created with Suntrust no. XXXX A police report was filed with XXXXXXXX XXXX Sheriff, report no XXXX with deputy XXXX, XXXX. 
Calling the fraud department, I have corresponded with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX with no resolution. They always say the case is pending and can take up to 120 days. Allegedly XXXX XXXX is investigating however, he will not respond to my emails or return phone calls. It has been 211 days and we have not seen any return of our funds. I tried to get some resolution on XX/XX/XXXX and spoke to and emailed XXXX XXXX with the demand of action with no avail. I notified them that I was imposing a fee of XXXX per day starting XXXX. They promised a phone call but nobody has responded. They have refused to work with the local sheriff department. 
Please call or email me if you need more information. 
Needless to say Im very frustrated with this process

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 2022-03-18 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:
I sent disputed to Experian for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of the letter sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.

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 2022-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent notarized and certified mail disputing inaccurate information on my credit files to all three Credit Bureaus Equifax, XXXX and XXXX. It has been well over 30 days.I feel like I'm being taking advantage of, ignored, neglected and refusing to reply to my dispute after making several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX/ {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
UPDATED INFORMATION! CASE # XXXX Midland previously indicated that I owed this debt. on XX/XX/2022, Midland closed this account and removed the tradeline from CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 Banner Bank withdrew XXXX} from my checking account without advising me why they took the money. I have called the bank but have not received an answer. Through telephone contacts with the bank, nothing in writing my mortgage payment is going up XXXX per month and the home insurance is going up XXXX per month, again nothing in writing.

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 2022-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, my personal credit score dropped XXXX points on Experian 's website. The score reported on XX/XX/XXXX caused my Fico8 score to drop from Exceptional to Very Good. On XXXX, XXXX my score dropped from XXXX to XXXX and on XX/XX/XXXX. XXXX my score dropped from XXXX to XXXX. The later drop was based on a reported XXXX XXXX card balance of XXXX US Dollars, This was THE ONLY balance on all of my credit period. I made inquiries to Experian as my information has been breach by them in the past. After numerous attempts and transfers through Experian 's not consumer friendly phone tree, I was able to speak to representatives. The CSR 's blamed me for not having a loan or mortgage reported or suggested I hire a licensed credit counsellor. They claimed this drop was ultimately my fault. XXXX and XXXX did NOT reflect any drops in my scoring at this time. Experian makes it extremely difficult to resolve a problem in an expedited fashion.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
We have had a mortgage in good standing with SunTrust bank, which became Truist. Our first payment to Truist was due on XX/XX/XXXX. 

-I submitted the payment on XXXX from the same bank account I had always used to pay our Sun Trust mortgage bills, which has adequate funds to pay the loan. 
XXXX XXXX we received notice that the payment had been returned. 
XXXX XXXX we resubmitted payment, assuming that we had entered the number wrong. We received email confirmation that the payment was received and our online Truist account showed a balance of {$0.00}. 
-On XX/XX/XXXX we received an email from Truist saying that there was a problem with the payment and that it had not been processed. 
-On XX/XX/XXXX we received a letter from Truist that our automatic draft had been canceled and that this may affect our credit score. 
-On XX/XX/XXXX, before making any calls, we looked at our online Truist account, which showed that our payment had been received and that we have an outstanding balance of {$0.00}. ( XXXX attached. ) Our bank account shows that no payment has been made to Truist. 
-On XX/XX/XXXX we called Truist. After waiting nearly an hour, we were told that our Truist account shows that we've already paid for XXXX, despite the letters we've received in past days and even though we can see that the payment has not come out of our bank account. Before we could sort out the problem, the customer service representative transferred our call to another person whose number wasn't in service and the call disconnected. 
-After waiting on hold for another 30 minutes, we finally reached another representative who insisted that our bill had been paid, despite the fact that we had received an email the day before saying that there had been a problem with our payment, and despite the fact that the funds have not been debited from our bank account. We finally just submitted an additional payment for the full monthly mortgage and received an email saying that our payment is being processed. 

We can only expect that this payment will also be rejected. Given the timing of past transactions, we will need to wait an entire week before we receive notice one way or another. We have confirmed multiple times that we're using the correct bank account information and that we have adequate funds. Meanwhile the bank is unable to even confirm whether our payments have gone through. 

We feel trapped. Our credit scores are at risk, and we face the prospect of exorbitant late fees. We've been trying for nearly 3 weeks just to pay our mortgage. It should not be this difficult.

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 2022-03-18 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
NFCU continues to notify me on every login about prior debt which was discharged in bankruptcy ( had to declare XXXX  XXXX in 2004 due to medical bills when I was between jobs and insurance had not yet started at new job ). While it states that the notice is not an attempt to collect, the notification is just that, an attempt to bully me into repayment or be limited checking and savings only. The use this harassment tactic to target individuals who caused them a loss and refuse any future consumer credit services. All other financial institutions have cleared the debt and have worked with me on new consumer credit whenever requested. NFCU chooses to harass and berate those of us who had prior financial hardships rather than work with us. They choose to discriminate against the disadvantaged. These tactics skirt the edge of the law and absolutely break the intent of bankruptcy law. I would like to see NFCU end these aggressive tactics to discriminate against their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: FISERV FINXACT CORE
State: GA

Complaint narrative:
On XX/XX/XXXX we received a email from XXXX XXXX XXXX saying there was a hold on our account because of increase of sale volume. Only after we noticed we havent been receiving all of our deposits since we started the account in XX/XX/XXXX we were only receiving partial payments so we called XXXX, XXXX  XXXX  and first data to inform them we havent been receiving the complete amount being deposited daily into our account and that only partial payment have been received from there services since XX/XX/XXXX. They gave us different numerous numbers to call because they had no ideal on what to do in this situation and who to talk to about these funds being held. XXXX  XXXX  completely stop giving us our payments on XX/XX/XXXX instead of partial payments we have been receiving since we started the account in XXXX. We are owed XXXX from this credit card processing company. They have withheld our finances since XXXX and they have taken XXXX on XX/XX/XXXX for no giving reason nor can they explain where those charges were for. On XX/XX/XXXX they took XXXX and couldnt give reason why and on XX/XX/XXXX charged my account another XXXX all in one month for charges and the supervision at slice couldnt explain or understand the reason my account has been charged so much. We were told that our account funds will be released in 1 to 2 business days and its 2 months later and we still havent received anything from slice but a charge on our account when our account was on hold until further investigation. We have not used slice none in XXXX but yet there is a charge of over XXXX that has been charged to our account. We have talked to many representatives but its getting exhausting because we are getting the run around with this and that person handling our account but no one knows where these charges were accumulated from or why our funds have not been released after sending over all of the necessary documents XXXX times and being verified through there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: NJ

Complaint narrative:
Someone has used my personal information to open a bank account on XXXX I can not get through to anyone in the company due to the mixup of fraudulent information they have on file.

Company response to consumer: Closed with non-monetary relief