vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

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 2022-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

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 2022-11-16 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 non-monetary relief
Consumer complaint received 2022-11-16 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
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US COLLECTIONS IS GARNISHING ME AND MY XXXX DAUGHTER PAYCHECK AND NOT REPORTING IT TO MY CREDIT BUREAU ITS ON MY CREDIT I HAD NO IDEA THIS WAS GOING ON XXXX MY JOB TOLD ME THEM I WAS SENT A COURY DATE OF GARNISHMENT CAN YOU PLEASE HELP I DON'T KNOW IF I SHOULD TALK TO A LAWYER ABOUT WHATS GOING ON I TRIED TO LET THE COURYS KNOW AND THE COURTS TOLD ME TO CONTACT US WEST COLLECTIONS AND THEY HAD THE SAME EMAIL AS THE COURT HOUSE AND TOLD ME THERE IS NOTHING WE CAN DO.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 my floor & decor credit card was permanently closed for no reason I tried to resolve this issue and was told possibly it may be reopened but it was not I was later informed today on XX/XX/2022. When I applied for this card my personal credit was also inquired as a result of receiving this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been doing business with SunTrust for roughly 14 years. After converting to Truist I started having problems. Most recent, I wrote a check to myself from another account, which I have been doing ever since mobile banking has been allowed. I live in a rural area and a branch is more than an hour away, so this is how I move cash or other money. I've probably done this 100+ times. I had funds not be paid at my other bank, which returned the check. I went the next day and put cash in the Truist account to cover the mishap. Several weeks later, I couldn't access my account online and couldn't see my husband 's payroll check deposit. I contacted Truist on XX/XX/XXXX and they claim it set off a fraud alert so they blocked all incoming and outgoing transactions and that the payroll deposit would be sent back. We waited for 7 days working with the sender with no notifications from Truist. I started calling Truist again on XX/XX/XXXX. Each day it was a different story. They said they did credit the account with my husband 's check, paid an outstanding balance of around {$600.00} and I had a balance of XXXX XXXXXXXX. I told them we couldn't go without the paycheck, they created a mess with bills I scheduled to pay and that I needed to pay my electric bill. Each day I've called and they state they will call back or that they will get the block off, but no response thus far. Now they're stating that due do old accounts, they haven't released funds. We need our paycheck and the problem resolved, but can't get any assistance from Truist after 6+ calls to 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
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : 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
Consumer complaint received 2022-11-16 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022 I made an uninformed decision to apply for a best buy credit card. The terms of the agreement between best buy and myself were spread out across dozens of pages in a pamphlet that I was told I did not have to read.

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 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
My mortgage company overestimated my escrow by over {$2000.00} and was aware of my totally XXXX veteran status, which reduced my property taxes by 75 % or more. I was advised by the escrow depart, via letter dated XX/XX/2022 of the overage of {$2000.00}. 

The funds have yet to be received by me, even after I have made more than four contacts with the mortgage company, since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Business Advantage Checking Account with Bank of America on XX/XX/2022. At the time, Bank of America was offering a promotion where the account would receive a {$500.00} cash bonus when making {$20000.00} in Qualifying Deposits within XXXX days of opening and maintaining the minimum average balance for XXXX days. I fulfilled all the terms of the bonus, but Bank of America did not honor the bonus. The terms of the bonus from Bank of America 's website is attached.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I did a mobile deposit payroll check from my employer. XXXX XXXX XXXX in Ohio. I received notification from chase that it was being processed and would be available XX/XX/XXXX. I called XX/XX/XXXX to make sure that was accurate, XX/XX/XXXX being a holiday and the gentleman said yes at the latest the XXXX. XX/XX/XXXX I check my account and it says the check availability changed to XXXX called chases deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX stated she would need to call my employers bank ( XXXX ) to XXXX she could lift the hold. She returned to the phone and said the XXXX rep stated the check was not good and was returned for insufficient funds. That same morning I contacted my employer who sent me documentation the check had been processed and cleared. I spoke with a XXXX rep that stated the check had cleared and no one would've told them the check was bad or returned. I called back to Chase 's deposit review dept and was told by the first rep there was a hard hold by the system and no one could override it, no fault of my own it was the system. I asked to speak with a manager, she stated he was going to tell me the same thing because no one in chase could override this hold. He stated my employer was known for bad checks and the check looked suspicious so the security team needed time verify its validity and wait until the check cleared. Once I made him aware I work a city government position and they have provided me documentation it cleared so there was no valid reason to hold my funds, he stated well we need to make sure they don't reverse it. It was a payroll check not a personal check. I asked to be transferred to the corporate office because everyone had a different reasons and I felt like I was being profiled. I put in a claim with the corporate office who said they would investigate. XX/XX/XXXX I received a message from Chase XXXX stating there was a hold and to reach out to their XXXX XXXX team to see if it could get lifted. This time I was told the check was being reviewed by the security team for validation. How is a check that has been proven to be good, processed, cleared and paid still be getting checked for validation. At this point they are withholding my funds for no valid reason and to keep insinuating the check may be fake after its been verified I am a public employee. This is profiling and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Synchrony Bank on XXXX to close my account and transfer {$510000.00} to my XXXX bank account which has been linked to my Synchrony Bank account for XXXX  years. I was told i would have the money within XXXX business days. I expected the money by XX/XX/XXXX. On XX/XX/XXXX i called Synchrony Bank when XXXX told me there were no pending XXXX  transactions for my account. I was told i would have it by the end of the week. I called again on XX/XX/XXXX I was told it was " in process '' and was being worked on at XXXX and could expect the funds on XX/XX/XXXX. Today, there are still no pending XXXX transactions. Synchrony Bank is holding onto my funds and failing to release them in a timely manner. I have spoken to many people and they don't have anything to say except please wait.

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 2022-11-16 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NY

Complaint narrative:
I made my payment XXXX on time through money order. An employee explained to me if I mail out a payment I will get it on time. 
I called the company when I noticed that the payment was sitting in the process room. It's a secured card and XX/XX/2022 will make 7 months and a consideration for graduating to a unsecured card. Discover withheld my payment and applied it a day after the date. I have never been late and they are penalizing me when they gave wrong information and withheld my payment. They need to rectify this immediately. I will be reporting them to XXXX XXXXd my attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.

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 2022-11-16 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: PA

Complaint narrative:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : 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
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
My account with Bridgecrest was paid in full and closed on XXXX with a perfect payment history. I have disputed the inaccurate information that Bridgecrest is reporting to XXXX, XXXX and XXXX. Both XXXX and XXXX dispute results stated that Bridgrecrest replied that there information was reporting accurately on XXXX with a balance due of {$26000.00}. This is a violation of the FCRA as Bridgecrest is clearly reporting inaccurate information. I have proof that Bridgecrest received the full payoff amount on XXXX, in fact Bridgecrest owes me a small refund. I send an email to Bridgrest requesting that they correct there inaccurate reporting to the credit bureaus and they basically said to go kick tires. Something needs to be done to ensure accurate information is being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: NJ

Complaint narrative:
IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  .... Account # XXXX Account Name XXXX XXXX  .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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 2022-11-16 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: NJ

Complaint narrative:
IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX .... Account # XXXX Account Name XXXX XXXX .... Account # XXXX Account Name XXXX  XXXX .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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 2022-11-16 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2022, XXXX  XXXX XXXX made a balance transfer to Synchrony Bank of {$2100.00}. They had already sent a balance transfer unknown to me at the time so this was accidentally {$2100.00} too much and gave me an over payment to Synchrony Bank. I then called Synchrony Bank to ask them to return the overpayment. I was told they would do that. I called on XXXX XXXXXXXX XXXX and was told a check was waiting but needed to be approved. I called today XX/XX/2022 and was told that it would be XX/XX/XXXX before i would be getting the check. I told them I could not wait that long because I would now be charged interest on that money from the other credit card and they told me weeks ago it was being sent out soon. I asked them to overnight it or get it here as soon as possible they said 7-10 business days. I had called XXXX XXXX XXXX  to see if they could get the money back but it was not possible, the only way was to wait for Synchrony bank to send the money back to me then send the money to them. I feel they have kept my money for long enough and its not fair to keep me waiting like this and being charged interest on it.

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