vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I went to Bank of America ATM on XX/XX/XXXX to withdraw {$1000.00} for XXXX present. The ATM malfunctioned and snapped on my finger and didnt dispense my withdrawal. I went into the bank and the representative said its on going problem and Bank of America wont shut down the ATM and does not fix it. Its before XXXX and Bank of America is refusing to credit my account because of their faulty machine. I am literally battling XXXX now I have to battle the bank to buy my family gifts for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. I then submitted a dispute to EXPERIAN to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. *Defamation, financial injury- US Court of Appeals , Ninth Circuit , No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, XX/XX/XXXX Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 
This is done in good faith and without recourse.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. I then submitted a dispute to EXPERIAN to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. *Defamation, financial injury- US Court of Appeals , Ninth Circuit , No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, XX/XX/XXXX Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 
This is done in good faith and without recourse.

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 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute with Equifax about XXXX. XXXX XXXX and than XXXX. XXXX XXXX started to add fees to my accounts every week, every month and every year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: WA

Complaint narrative:
I received a call from XXXX XXXX who called from XXXX XXXX XXXX and XXXX XXXX XXXX initially claimed i owe some amount and i said i am unaware of this amount. 

then she asked me personal information about my another person and asked what details I know about her and tried to collect more of Personal Identity information about another person and told she wants this information about another person she also claimed that i am part of a lease then when i asked the lease document, she changed her statement sorry it was mistake you are not part of lease. i asked why you kept changing the statement she hanged up. 

I called again the same number I got someone name XXXX who read a script and made me say Yes, I declined to say yes and he did not cooperate to answer the questions about their company 's debt collection process and he barely gave out the name of who called and he is saying they are now removing my name because I don't owe the debt and when asked why they are harassing in the first place, he says it was a mistake they are removing the name now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a XXXX card from my father with a check for {$2000.00} in it, the same thing he sends every year. I used the mobile banking app on XX/XX/23 to deposit it in my Suntrust ( Truist ) checking account which I have had for at least 30 years with no history of any issues. Almost immediately after submitting the deposit, I received an email informing me that Truist put a 14 day hold on it. The email indicated that the hold was placed because of " confidential '' information indicating that the check would be returned. I contacted Truist customer service who informed me that they couldn't do anything and that only a branch manager could remove the hold and that I should go to my nearest branch. I drove an hour to my nearest branch and they said they couldn't do anything. I called customer service who repeated that they couldn't do anything and only a branch manager could remove the hold. The next morning I received another email from Truist indicating that a 14 day hold was actually put on the deposit because there was contradictory information on the check. I again took the check to the closest branch ( XXXX, NC ) who looked at the check and took down the information. They said there was nothing wrong with the check but they couldn't do anything because I didn't make the deposit there. I again called Truist customer service who said they couldn't do anything. So here I sit with my XXXX money confiscated by Truist for 2 weeks for no good reason, no way to appeal or reverse the decision, and not one person in this Company who appears to care. Truist gave 2 different but unrelated reasons for the hold. That alone should be enough to call the hold into question. Additionally, you get no warning before submitting the deposit that they are going to seize it and once you do, it is too late. You are at their mercy. Either there algorithms are faulty or they are intentionally holding people 's money to make money for themselves. Either way, there should be process to review and override these actions. As it is I will be story telling for years about how Truist stole my XXXX money. I've already closed one account on XX/XX/23 as a result of their actions. I'll closed the other one just as soon as they release my {$2000.00}. That you. 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 2023-12-23 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: PA

Complaint narrative:
I have inquiries on my credit reports Inquiries 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

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 2023-12-23 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: PA

Complaint narrative:
I have inquiries on my credit reports Inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/ 2023 I opened a chime bank account. I deposited {$1500.00} on that same day. On XXXX XXXX I received an email from Chime stating that they were closing my account. They did not give a reason or refund me my money that I deposited in the account. Over the course of the last year I have 14 documented times where I have called as well as emailed with Chime and was still never able to rectify the situation. In XXXX I gave up. I didnt know what else to do. Somebody gave me your link, and I finally am feeling hopeful again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
RE : Adverse Action I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied on XX/XX/2023 for an OPEN-ENDED GOLD AMERICAN EXPRESS CARD . 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691 ( c ) ( referenced below ) and is pursuant to civil liability under 15 U.S.C 1692k ( referenced below ).

You are subject to criminal liability for violating 15 U.S.C. 1691 ( referenced below ) as I have proof that I was discriminated against by AMERICAN EXPRESS due to response I received.

AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. 

Regardless of the reason for being denied, I have the RIGHT TO CREDIT. Withholding my access to my securities is securities fraud. You are in turn violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me my credit and access to my securities please retract my original application and return it to me. 

If not then please move forward and send me the applied for card or if you require further evidence as to my claim then I am more than willing to send you a copy of your Trust Indentured Agreement with The XXXX XXXX XXXX XXXX XXXXXXXX with highlighted sections pertaining to the application ( security ) that I initially filled out. I am aware that in lieu of my denial you will securitize that application ( security ) and monetize it for your own benefit. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: NY

Complaint narrative:
I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX in the amount totaling XXXX $ and XXXX said it was paid, and the new loan servicer came in weeks after I had made the payment to XXXX and XXXX said I was paid for XXXX, and then the new loan servicer said that they won't be applying this payment to my XX/XX/XXXX, payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
Northstar location services repeatedly calls from different numbers throughout the day and while I am at work even though I've asked for a validation of the debt and not to be called until I receive that where I will then call them back. They refused to identify who they were or what they were calling about until I gave them personal information. The person calling keeps changing numbers to call me in an attempt to confuse me as well as not following through with the sending of the debt validation. So far I've had 3 separate numbers calling including ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am an international  XXXX  and I opened this Chase account at XXXX when I was a freshman. At XX/XX/XXXX, they closed both my checking and saving account for no reason. I called them but they just told me to wait. My Checking account number is XXXX, and saving account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to 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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. 
Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. Again I received no communications from Apple to its day. No reasons given as to why they closed my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: U.S. BANCORP
State: CA

Complaint narrative:
I sent money from my account to a contractor using XXXX. The phone number was wrong ( XXXX ) and so it was sent to the wrong person. That individual will not pick up their phone when called. I disputed the charge with US Bank, but they claim that the receiving bank refuses to return the money ( {$2000.00} ) so there is nothing they can do. I tried to dispute it as soon as the charge was made, and the money was unclaimed, but they refused to return the money to me and instead held a larger charge that I did not and was not disputing and sent the {$2000.00} to the wrong person after three days. This was three weeks ago and they have now stopped responding to me when I try to contact them.

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