vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Business checking account closed for 'fraud ' after new account bonus was applied for. No attempt to contact me was made and when I attempted to contact them, they informed me that they are 'unavailable ' and asked me to leave a message.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Tried using a local ATM to make a cash deposit XXXX XXXXXXXX XXXX ATM number : XXXX ), but was unaware that you are not supposed to deposit across bank companies. The ATM went forward with the transaction and took {$480.00} in cash, then provided a receipt that states, transaction not allowed. It asked me to input the correct amount, which I did ( {$480.00} ). It then provided another receipt that states : deposit exception record. One or more deposit items were unable to be returned due to a technical problem. We apologize for the inconvenience.

I immediately went inside and spoke with a teller who told me they could not help because I was not a XXXX XXXX  customer and to call Chase ( my bank ). I then called Chase and was instructed to call XXXX XXXX. When I called XXXX XXXX  and spoke over the phone they informed me that Chase needed to start the dispute process so I could get my money back, that it was a Dispute Regulation E. When I tried Chase for the second time, I was told that because they can not see the transaction in another banks ATM, they have no way of helping me, despite me having both receipts and the ATM number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have never had a USAA account in my life, nor have I applied for one. I heard that you can only have account if marriage and I'm not married. Nor have i lived at the address its stating XXXX XXXX XXXX XXXX, Ga XXXX Nor have I had the number XXXX nor have i had the email XXXX I'll like all these so called accounts removed from all Platforms that USAA reports too. Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: LA

Complaint narrative:
Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions/consent. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions/consent. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: FL

Complaint narrative:
I never applied for a secured loan in the year XXXX  or ever in my life unless you count a mortgage and auto loan as secured loan ; but specifically this was a " personal '' secured loan and I did not apply for it so it was obtained fraudulently. I have disputed with the credit bureaus and the creditor is unlawfully reporting it as verified as accurate when I know for a fact that I did not apply for receive this loan which means by definition this company is lying with the knowledge that what they are reporting is false. 

XXXXXXXX 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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC
State: TX

Complaint narrative:
XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. Michael J Adams XXXX represented XXXX in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
Please Look at the attachment below. I have an affidavit attached from the Federal Trade Commision to this report below. Please Review attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from XXXX Bank  XXXX XXXX Bank  in XXXX, XXXX, XXXX Bank of America. This complaint is directed against Bank of America for failing to fulfill its responsibilities as an intermediary, by obstructing the progress of the wire transfer, by not responding in a timely manner to inquiries and amendments from XXXX Bank  or from XXXX Bank. Furthermore, Senior XXXX investigator XXXX XXXX, who was tasked with investigating this particular wire transfer via a complaint I filed with Consumer Financial Protection Bureau, was unable to make ANY progress in the investigation due to obstruction by Bank of America, who do not respond to her inquiries in 9 days. XXXX XXXX has now requested an extension. Bank of America is not cooperating with, or not participating in, the investigation mandated by the CFPB, thereby interfering with my due process and obstructing my right to a fair and just investigation and a fair and just outcome. 

I believe this lack of transparency is part of a deliberate and concerted strategy of Bank of America to obstruct this investigation, in order to run the clock on the transfer, have the XXXX XXXX   return the transfer, obfuscate the details regarding the transfer, and then deny me access to my own funds. I am forced to conclude that they plan to keep my {$4000.00} and hide behind their lack of transparency and their wall of deliberate silence. In other words, I believe that they are committing organized institutional theft by a bank against its consumers. 

The {$4000.00} original money transfer was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by XXXX to file amendments for beneficiary account name change and account number change, in person through XXXX bank employee XXXX, and then through XXXX Wire Disputes XXXX XXXX I filed Beneficiary Account Number amendment once and I filed Beneficiary Account Name amendment twice through XXXX Bank. I filed a request for Wire Transfer Return once. XXXX Bank filed request for XXXX  199 several times. 

It appears that Bank of America failed to transmit any of these amendments to XXXX Bank, failed to transmit the request for money wire return to XXXX Bank, failed to respond to XXXX Bank 's inquiries for additional information, and failed to participate in, or cooperate with, the investigation demanded by the CFPB. 

I wish the {$4000.00} be returned to me immediately or the next complaint will be with the Attorney General.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a method of verification letter to Equifax regarding 4 accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask them to provide me with the following : description of the procedure used to determine the accuracy of the information, name/address/telephone number of each individual contacted regarding these accounts, copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. The dispute has been completed ( if a dispute was actually done ) and I am pleased to see that one of the accounts was deleted ( XXXX XXXX ). However as of today I have not received any type of documents from Equifax or the furnishing companies XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX providing proof that the accounts belong to me and are accurate. The only documents I have received are my dispute results from Equifax. I have been disputing these accounts every since XX/XX/XXXX and Equifax has not provided me with substantial proof of validation that they claim they've received. In light of the recent investigations brought upon Equifax, I feel that my consumer file is being irresponsibly tampered with. Just recently, I had to dispute an account because it was listed on my equifax report twice. Equifax is intentionally and willfully being neglectful in handle my affairs. This is ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I completed a Deed in Lieu of foreclosure which was recorded XX/XX/2018. A deed in lieu should fall off credit reports after 4 years. We are almost 8 months past this date and some agencies, like Experian, are still showing the information and have also denied a dispute.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must XXXX % accurate and verifiable 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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I was fraudulently charged {$630.00} at a hotel I never stayed in. I have reached out to Cash App and filed a dispute for this purchase that was made with my cash app card. I had also contacted the hotel management who assured me this was an issue to take up with Cash App. I filled out all of the appropriate forms asked of me by Cash App, and still no response. It is now XX/XX/XXXX, and I havent even received an e-mail update on my case. During the course of this time I have reached out to SEVERAL representatives via the support chat who have all failed to provide me with any information on my case. At this point I am beyond frustrated that this is how your customers are treated. I utilize cash app for my direct deposits and have been a loyal customer for YEARS. They have absolutely no reliable support that actually cares about your situation, and no protection for your funds! Solve my dispute and stop making excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
My issue is with US Bank. My father 's checking account was compromised when a check of his was stolen from a US Postal mailbox. Early in XXXX I had suspicion that something was wrong when a series of his checks had not been cashed. I stopped payment on these checks on XX/XX/2022 at out local US Bank. On XX/XX/2022 I was going over my father 's account and saw that he was overdrawn about {$2000.00} which surprised me considering the day before he had in access of {$13000.00}. I immediately looked over all his checks and came to find that a {$40.00} check somehow became a {$15000.00} check. I then went to the local US Bank branch and filed a report along with a police report. The branch worker told me it was now in the hands of the fraud dept. For the past 2 months I have not been contacted from the fraud dept nor been able to access anyone who could help me. Every time I call I get the run around. They transfer me from one dept to another and always end up back at the place that I started out. I don't see where this is my problem. The bank cashed a check that had a stop payment on it. What's the point of stopping payment if the check gets cashed anyway? I would like help in getting my father 's money back into his account and all overdrawn fees redeposited. Thx

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2012 accounts still in my report when they are closet accounts...

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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. XXXX XXXX XXXX XXXX represented Calvary in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation