vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX two unauthorized checks were drawn against my small business account for my company XXXX XXXX XXXX : Check # XXXX in the amount of {$1900.00} and / check # XXXX in the amount of {$1900.00}. The payee was unknown to me, and the check numbers appeared to have been chosen at random, as they had already been issued more than a year prior to other non-related payees. I notified my bank immediately and they agreed to investigate, assigning case ID # XXXX to this matter. Following nine more rounds of correspondence, on XX/XX/XXXX my bank provided me with copies of the bogus checks, stating that they had been force paid via mobile deposit through an account at the XXXX Bank XXXX XXXX. The checks were poor forgeries, including errors in our account number printed at the bottom. My bank took the position that they would have to wait for the fraud department to investigate prior to taking any action. I followed up seven more times, including with the fraud department as well as an in-person meeting with bank personal including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emailed the XXXX XXXX XXXX XXXX, asking to receive provisional credit of the amount stolen while the investigation is ongoing. The last reply I received from the XXXX branch was We recommend that you follow up with fraud as XXXX and myself are no longer in the loop on this matter. It is clear that after 17 months, Capital One has no intention of taking responsibility for the forged checks they funded out of my account with recycled serial numbers, incorrect account number, and a bogus payee with no history of prior payment. I own a small business and that {$3900.00} loss is significant to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
Id like to cash out my IRA that was issued on XX/XX/XXXX, by XXXX XXXX at the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Attempting to contact them by phone for the last 3 years has been unsuccessful. Ive called dozens of times and only got a live person 3 times. The first one said Id have to come in in person, which is impossible because Im living in Nebraska now. The other 2 times I was told someone would call me back but nobody ever did. The redemption value was {$2100.00} as of XXXX XXXX, XXXX. 

FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I'm attempting to transfer funds and close an individual investment account held by Axos Invest. I've attempted contacting their customer service by phone, email, and secure message over a dozen attempts over the past few weeks. I've also initiated a securities transfer request with XXXX, which Axos blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 Trans Union XXXX XXXX XXXX and XXXX have 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 an account without my written instructions 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

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 2023-04-26 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: VA

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. 

Account name/Account # : 1. XXXX XXXX XXXX # 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 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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I received a letter from a debt collection company called Credit Management. It was late in the evening, so I called them the next day at XXXX XXXX. I got through to them and spoke to a female representative. After we arrived at a agreement about repayment, I asked for a confirmation in writing and I was told " WE don't do that. '' I informed the representative " if you want money, you have to send me paperwork ". She then informed me that '' you will receive a email confirmation in 24 hours. '' I never received anything from them. 

On XX/XX/2023 I received a phone call from Credit Management and the male representative, who barely spoke English, wanted to know when was I going to send them money. I asked when was I going to receive paperwork verifying the debt and showing the agreed payment plan as I was promised. He told me that " We don't send paperwork ''. I told him " It is my right under Federal Law, according to the FTC ''. He replied " we don't send paperwork ''. He the demanded to know when was I going to send money and I replied " If you want money, then you have to send me paperwork, it's a simple equation. I then hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have recieved numerous calls that were XXXX  as well as the intent to sue me with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Dear CFPB, TD Bank advertised a credit card with the following Cash Back conditions : " You earn three ( 3 ) Points for each one-dollar ( {$1.00} ) of Dining Purchases ; two ( 2 ) Points for each one dollar ( {$1.00} ) of Grocery Store Purchases, and one ( 1 ) Point for each one dollar ( {$1.00} ) of other Purchases. You will earn a total of five ( 5 ) points for Gas Purchases made within 6 months of account open date, or until you reach {$6000.00} in Gas Purchases, whichever occurs first. As a result of your Gas purchases you will earn one ( 1 ) Point for the purchase and four ( 4 ) Points will be added to total five ( 5 ) Points earned for Gas purchases '' Upon the closure of my first statement I had noticed that my Gas purchases have not earned the advertised 5 points. As the result I have a loss about {$8.00}. 

I would appreciate that CFPB takes a regulatory action against TD Bank for practicing false advertisements. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A woman was using my bank account ( both routing and account number ) to pay her XXXX XXXX  XXXX  bill. Our account numbers are one number off from one another ( This looks to be an honest mistake ). At first, the amounts debited out of my account were small, {$70.00}, and to a lender, XXXX, that I have used so I didn't realize it wasn't my account until two transactions of {$250.00} were taken from my account on XX/XX/XXXX. I looked back through my account and realized the transaction have been coming from my checking account since XX/XX/XXXX and it is now XXXX. In total {$1200.00} was taken from my account. When I contacted Chase to get my money back, they refunded me the first 90 days worth of transactions from the date in which the ACH 's were coming out of my account, totaling {$340.00}. I am still out {$950.00} and Chase told me to contact XXXX XXXX  in order to get my money back. I called XXXX  and they told me because I am not the account holder, I can't report fraud. I have gone through all the avenues to get my money back and no one can help me. Chase won't do anything further, XXXX won't talk to me. I have filed a police report and a fraud report with Chase but nothing is being done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. 
While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. 
XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. 
Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing address

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I've contacted Eastern Standard Account via USPS mail tracking number being ( XXXX XXXX XXXX XXXX XXXX ) which was received XX/XX/2023 at XXXX ; XXXX XXXX. I'm requesting that they provide me notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was issued a treasury refund check from the Federal Government for {$17000.00} on XX/XX/2023 with an initial hold until XX/XX/XXXX. I was patient regarding the initial hold they placed on a treasury check, but now I am frustrated as they extended it to XX/XX/XXXX. I went on tcvs.fiscal.treasury.gov ( which my wife, who works in XXXX XXXX XXXX XXXX, says is common practice ), and the check was marked as paid- which means it has cleared to Bank of America. Never in my life have I had a problem with treasury checks. They are usually made available the same or the next day - and the fact that the reps are unwilling to escalate this issue to help me is nonsensical. Is Bank of America struggling- are they next to collapse? This is genuinely concerning. Please Help!

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 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Reached out to company before repossession during first 6 months to let them know that the vehicle was a " lemon '', it had a constant oil shortage in which the dealership suggested I drive there weekly from another city to receive more oil. I called to let credit acceptance know that I didn't want the vehicle due to the issues less than 6 months having the vehicle. 
Before any issues all payments were on time even after having to pay out of pocket I started receiving recall papers in the mail regarding the vehicle however by that time the engine had already went out, I reached out again to the finance company regarding these issues and not being able to pay I reached out to the company again during covid because I was having financial difficulties as was the rest of the world, however they still wanted payments and refused my offer to return the vehicle once again Couldn't work during covid and couldn't pay to fix an engine that I had already received recall about

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 2023-04-26 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: TX

Complaint narrative:
Transunion has violated Title 15 U.S.Code 1681e and is liable under 15 U.S Code 1681n for not following reasonable procedures to assure maximum possible accuracy of the information concerning my credit report XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - ( No Date of First Delinquency & Inaccurate ) XXXX. XXXX XXXX- ( No Date of XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) - ( No Date of First Delinquency & 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 2023-04-26 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: VA

Complaint narrative:
list of inquiries that were not made by me 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 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 2023-04-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
list of inquiries that were not made by me 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 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 non-monetary relief