vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, transunion, & XXXX  ; XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 
According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer & # 39 ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
Umpqua Bank XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} reported to collection agency ( XXXX XXXX  ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies.

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
Earlier this year, around XXXX I believe, my husband ( soon to be ex-husband ) went to First Merchants Bank and had my name removed from both our joint checking and savings accounts. When I found out and called and questioned the bank about this procedure they told me that they could do that. I then took it upon myself to research the matter further and determined that the accounts should have been closed and reopened under his name, but that they can not take my name off of the account without my written permission. I called back and informed them that they could not do what they did legally. They did not correct the situation. I have been humiliated and embarrassed several times now as when I have gone to the bank to deposit his check and and take money from the deposit as he instructed only to be told that they can not give me the money because my name was not on the account, even though I provided them with my ID and my name should not have been removed from the account. I have had to change my accounts that were being directly withdrawn and been very inconvenienced. I feel that this is a great injustice that they have done, let alone a very scary that someone can just go and take all of your money and take your name off of your accounts. I feel that the bank not only had a liability to notify me, which they did not. Please do not let this happen to anyone else. There should be someone protecting the consumer from them doing what they have done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I've been an American Express cardholder in the XXXX since early this year. Having 3 business cards and having spent over $ XXXX in the last 3 months on them, I was really satisfied with everything. Eventually my card ended up in a financial review for 2 weeks which after confirming everything with my banks & sharing financial documents the account was reinstated. 

After using the card for a week or so, I made a few payments towards the outstanding balances to reduce the outstanding amounts and to free up available spending. One of these payments ( {$10.00} ) got returned because my bank ( XXXX XXXX ) has a ACH Debit Block security on my account, due to me travelling I had been unable to approve the ACH Debit on time causing it to be returned. Once I found out, I immediately made new payments that did go through. 

On Saturday I've used the card at the XXXX XXXX, a few XXXX transactions and all of a sudden I receive 4 e-mails stating my cards have been cancelled. After reaching out to the customer service/credit team, it seemed my cards were cancelled due to the returned payments ( to the surprise of the agents on the other end of the line ). They promised me to review the matter and escalate it to the relevant teams for the account to be reinstated, and I'd be contacted on Monday. 

Since it was almost XXXX already today I decided to get in touch with the credit team myself, they told me the account was showing as eligible for re-instation, and it could probably be reinstated as soon as today, but they had to check with the relevant teams on how to do it. After 30 minutes on hold, I'm being told it's not possible to re-instate the account and that I have to re-apply. Even after asking for the team leader I get the same response, he just apologised for the misinformation and told me to re-apply. 

Re-applying would cause a new hard pull on my credit and I doubt if I would get approved again for all cards I had given, I have to apply for 4 news cards. It really surprises me that 4 colleagues would have misinformed me about the possibility of re-instating the account, and so do I doubt if my account would really be permanently closed for a single failed payment? 

Could you possibly escalate this to the relevant teams and look at having the account re-instated? Having an AMEX Card is crucial for our business, and we'd love to keep using AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Requested from AidVantage to be on the XXXX plan on XXXX XXXX XXXX after a phone call with the company, submitting paystubs and other details. 

Received information from AidVantage on XXXX XXXX XXXX giving me a " new '' payment plan that was the same as my old plan, with no details as to why. 

Tried multiple phone calls to the company on Monday, XXXX XXXX XXXX without getting through to a real person. 

-first tried the original person I spoke with, using her extension. Got voice mail. 
-then tried three times to get through the main AidVantage phone line to speak to any representative, continually was put on hold, then sent to " voice mailbox XXXX '', which was reported full, and then was cut off from the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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  XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/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 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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  XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/23 I submitted a balance transfer request from XXXX XXXX card ( XXXX XXXX ) to XXXX XXXX. On XX/XX/23 I could not use my credit card due to security verification needed. The rep said the balance transfer request was done online and we need to ensure it was you. I verified the transaction but there was some mis-information about delivery times to XXXX XXXX and what method would be used ( paper check to them or ach payment ). 
Today XX/XX/23 I requested the balance transfer to be cancelled. The reasons being the delay with validating my identity and lengthy processing time I will not only be paying a balance transfer fee and accruing interest at XXXX XXXX. 
The reps at XXXX stated to me today the transaction could not be cancelled because it was in process ( estimated time frame 14 days ). The supervisor stated that I agreed to the terms and conditions. No where in the terms and conditions state the balance transfer can not be cancelled. I was informed it can only be cancelled when a check is issued or an ach done to XXXX XXXX. This makes no sense. Can CFPB please provide assistance. Thank you for your time/

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I DONT RECOGIZE THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX 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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX ' sent a payment in the amount of XXXX XXXX dollars, as a payment for tourist services. 
Sending bank : XXXX XXXX XXXX  ( XXXX ) Beneficiary bank : XXXX XXXX XXXX XXXX XXXX XXXX ) through JPMORGAN CHASE BANK , N.A . ( XXXX ) Bank Sender Reference : XXXXXXXX XXXX  : XXXX The beneficiary 's bank ( XXXX XXXX XXXXXXXX XXXX  ( XXXX ) ) after XXXX this XXXX sent it back along the route : XXXX XXXX XXXX JPMORGAN CHASE BANK- XXXXXXXX XXXX I have confirmation from XXXX XXXX XXXXXXXX that the payment was received by them and sent to JPMORGAN CHASE BANK 06 apr 2022 ( attached ). 

On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. 

We tried several times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all our appeals are attached. ) to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  XXXX Date XXXXXXXX  -XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date XXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I went into the bank and a staff person filled out an application online for a line of credit for {$2500.00} while I sat at her desk. We agreed that I would send her XXXX years of tax returns to confirm my income. When she completed the form she told me that she wasnt sure she had filled out out the form correctly, so she asked her manager to look over everything. As a result, she made a few changes. After the manager left, she told me I didnt qualify for the loan. I asked her why the loan was denied and she said that there were current nonpayment issues related to my credit report. Because I was unaware of any such issues, I asked her to give me a copy of the application and a document that detailed the reasons for the denial, including the credit report on which the decision was based. She said that the bank did not allow her to do that. When I got home, I placed a call to the branch manager and got his voicemail. I left a message that included the basic information regarding my experience as noted above, and I asked him to call me. As of this date ( XX/XX/XXXX ), I have received neither a call nor any information that I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX XXXX  I contacted CHASE bank to report problems with my checking account. I was unable to make deposits, withdraws, transfers and my debit card was declined. My account had a balance of about {$3800.00} but they froze it without warning. 
They informed me that there was an issue with a XXXX XXXX I had deposited ( {$370.00} ) into my account. It was difficult to read. They instructed me to take the money order to my local branch and have the problem rectified. 

I brought the money order into the local branch. The representative reviewed the money order and then called someone to have the issue fixed. 

That representative informed me that they were closing the account immediately and even though I had a balance of {$3800.00}, they refused let me withdraw the funds. They told me that they would issue a cashier 's check withing a few weeks. 

They gave absolutely no warning or notice of the closing and refused to provide me with a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I apply for credit card care credit I was denied I would like to know the reason why I wasnt approved

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX THESE INQUIRIES -XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date OpenedXXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX OF -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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I DONT RECOGIZE THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
I DONT RECOGIZE THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2023 till XX/XX/2023, transunion on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!

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 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Oregon XXXX XXXX XXXX {$1100.00} reported to collection agency ( Outsource Receivables ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies. 

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX XXXX  XXXX

Company response to consumer: Closed with explanation