vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
My wife and I have two Savings accounts with the Discover Bank. In the past two weeks, both of our accounts were locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time we would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. 

The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, we request that CFPB to urge the Discover Bank to take immediate action in resolving the issues of our TWO accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I own a Savings accounts with the Discover Bank. In the past two weeks, my account was locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time I would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, I request that CFPB to urge the Discover Bank to take immediate action in resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 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: TN

Complaint narrative:
upon checking report i noticed fraudulent account and also inquires. the account is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found two unsigned checks during moving ( one is {$1.00} and the other is {$600.00} ). Since I forgot whether they were deposited or not, I decide to deposit them to my Chase checking account, ( where I usually deposit checks and the bank should save the information of my past transactions ), and let the bank tell me if they were deposited or not. 

However, I was charged by {$24.00} fee several days later ( {$12.00} for each check ). I was so shocked since the fees are imposed by the bank for nothing! While my balance increased temporarily after my scanning the two checks via Chase app, I did not use or move the money. Further, fees were deduced for a stale check that was not deposited before. During the whole process, the bank did not incur any loss but still charged me by directly deducting my account. 

I tried to resolve the issue by calling Chase customer service and visiting the local branch, but was told they could not do anything. I have been an active Chase customer for 8 years, and I am really disappointed with the deterioration in the bank service recently. We customers have to to sign voluminous agreements when opening an account, but it doesnt mean the bank has the right to charge customers at discretion, or we customers have to the accept those unreasonable charges. 

While it is a small money, for a multinational bank like Chase, a few dollars for each account can be aggregated to be a considerable number! Hope CFPB could help look into the issue! Look forward to hearing from you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 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: NJ

Complaint narrative:
XXXX XXXXXXXX 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 Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

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 2022-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX agreed to accept my daughter and I as new clients, knowing he was leaving the provider XXXX XXXX, approx 2 months later. 
We saw this dr twice, and received a bill for over $ XXXX a few months later ( XX/XX/XXXX ). I called the provider under which the dr was working, and I was told to disregard the bill as my insurance was not billed for an unknown reason. 
I never heard about this again until I called in XX/XX/XXXX to schedule an appointment for my daughter and I. My appointment was refused as the provider claimed I still had XXXX balance over $ XXXX. An appointment was booked for my daughter However, my insurance properly billed, and my co pay was {$40.00}. Same insurance, same providers. 
Not only did XXXX XXXX vanish sending no notice about any balance, but his termination with XXXX XXXX XXXX was abrupt, unnoticed and neither XXXX nor XXXX contacted me regarding this debt, that should have been submitted to my insurance as agreed, and which should have and would have been paid with very little owed by me. Today, my credit score is affected and in turn, my interest rates, my commercial lease amounts, and my credit offers. I am a business owner, a collections account with no notice, and in violation of multiple laws, is now damaging me. 
I submitted a dispute and it simply came back accurate. I received nothing more.

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 2022-07-09 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: NJ

Complaint narrative:
XXXX XXXXXXXX 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 XXXXXXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXXXXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding XXXX misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I got lied to about how this all works

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened up a citi bank account on XX/XX/XXXX to receive my job direct deposit it on XX/XX/XXXX my direct deposit from my job was sent over on XX/XX/XXXX it cleared as soon as it cleared citi bank closed my account with no explanation to why or how I will get my money back Ive called 63x since XX/XX/XXXX and theyre holding my money my job tried to a reverse ach and they rejected it without any explanation i need help getting my money back please. They not answering any question and keep saying for a check in mail within 60-90 days thats a long 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 2022-07-09 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:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I never opened up a XXXX  credit card in XXXX  I was contacted by a debt collection agency with a court order to garnish my wages for this card that I had no idea about. I contacted the agency told them this was not my card and I had no knowledge of it, and was told it would be put under dispute and they would contact me. Which I havent heard anything. I then created a account for identity theft for this card and sent certified letters to the court and the agency stating in words this was not my account and I filed for identity theft. I also asked for proof of my signature and transactions from the agency, which I still have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX. I purchased crypto training for XXXX via zelle. Zelle not the receipent are.not giving me my money back. It is a scam. XXXX XXXX the person I paid has ignored me, the banks and zelle has ignored me. I have been given the run around for a year. All I wanted was the training. He never did that and he kept my XXXX What a stand up guy. He's now the owner of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: GA

Complaint narrative:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out 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 2022-07-09 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: GA

Complaint narrative:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out 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 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, TransUnion Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that TransUnion Provides

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 2022-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
According to the stipulations under the Navient settlement my loans should have been dismissed. They have my email information ans phone because they call and email on a regular. But I try to go in and make sure my mailing address is correct and the personal info they have in order to get into the account is wrong. It keeps telling me I'm putting in the wrong social or birth date, so how do I know if they should even be servicing me. They continue to tell me I have to go online to update info but I can't get past sign in page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: TX

Complaint narrative:
XXXX has made multiple unauthorized Inquiries on my credit report the following includes, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. Remove all inaccurate inquiries I have listed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the following month need to be updated to payed in full. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. 

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 2022-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have contacted equifax about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Fidelity Collections put 7 items on my credit report for the same account debt, I tried contacting them and they just hung up on me. 

The Same account listed multiple times on the credit report for a debt with different amounts. 

This is against the FCRA. I was told to file a complaint with you by the Attorney who will be representing me in this case. 

This is illegal behavior that must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have contacted Transunion about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.

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 2022-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Loancare will not Follow the Laws of my XXXX XXXX Bankruptcy and continues to try and collect on a Discharged Debt. This Company also will not provide proof of me signing a release of funds out of this Account along with information of where the funds went? My HELOC loan was Discharged from the original lender way back in 2011, I've been in Dispute of this Account for Many Many Years and have asked loancare Directly to show me Proof of Who Signed for the Withdrawal of funds out of this Account and Proof of where the Money that was Withdrawn Go? 
I had Received a Phone Call from a loancare representative a year ago saying they are Not pursuing any further actions. I have this conversation recorded. What a lie!! All I want is a lean release on the Title of my Property. If this can't be done immediately I will have no other choice but to bring Forth a law suit! 1st being Loancare Breaking Federal Law under XXXX XXXX Bankruptcy by harassment and continuing to force collects on a Discharged Debt. All documents have been saved over the years to prove this Fact! 2nd researched Documents by Loancare XXXX XXXX XXXX has never Provided Proof of the Funds Being Withdrawn from my account with my signature and where the funds went. Loancare is the Worst company to deal with and this Stress has been Heavy on me and my family for many years and still continues Today ....!! The Practices of this Company is Terrible as you can see from thousands of other Loancare clients have Huge Problems with this company that Bullies their way to destroying people 's Lives!! Next step for me is Hire an attorney and go Completely public on this issue if not Fixed 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 2022-07-09 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 Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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 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 response to consumer: Closed with explanation