vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$1600.00}. A hold was placed on the check until it was released from the issuing bank. After the issuing bank released the funds than Chase Bank comes up with another reason to hold my cash. Due to " suspicious activity '' they said they will not release my funds at all. Federal laws I thought protected consumers from things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
I received a notification from XXXX XXXX on XX/XX/09, which stated I had a Hard Inquiry on my Credit Report. It stated it was created on XX/XX/09. This was a Hard Inquiry from XXXX XXXX. I haven't done business nor do I have an account with XXXX XXXX. I called XXXX XXXX and talked with their Fraud department. I inquired and they stated they had no information on an application, or an account... 

They stated to call the credit bureaus. I did so, and the Credit Bureaus told me to submit this to you all and upload this to their website.. 

Can you all please help? I believe this is Identity Theft and I am taking actions to get some protection although I would like the Hard Inquiry removed from my Credit Report if possible. 

Thanks! 

Regards, 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 2023-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
I took out a payday loan on my phone but when I tried to pay them back I wasnt able to get in the app nomore and I tried emailing and calling no response and its been damaging my credit for 2 years so far still havent been able to get in contact with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: DISCOVER BANK
State: FL

Complaint narrative:
I was trying to buy a car and I noticed I had damages on my credit report. According to the 15 USC 1681 law, there shouldn't be any damages on my report. This is defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: AZ

Complaint narrative:
On XX/XX/19, I closed an account with XXXX XXXX XXXX after being notified of monthly fees that would start with account after qualifications were no longer met for credit for said fees. I followed the instructions/procedures to close the account and prevent said monthly fees to be billed. 

The monthly fees were billed despite my efforts and a late payment has been on record since. I have attempted to resolve the error verbally with XXXX XXXX XXXX by contacting their Customer Service directly and through Experian dispute channels, but no update or acknowledgement has been furnished.

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 2023-03-10 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: TX

Complaint narrative:
XXXX XXXX  XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are XXXX and Experian able to verify this account as accurate when XXXX XXXX XXXXXXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!

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 2023-03-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank
State: FL

Complaint narrative:
Went to the Synovus branch at XXXX XXXX XXXX XXXX, XXXX FL XXXX on Wednesday XX/XX/XXXX to open a CD based on an advertisement I received ( and a variation of the ad happened to be on a desk within the branch : XXXX 4.6 % for 13 months ). Manager phone number : XXXX ; branch assistant ph number : XXXX. 

1 ) Notably the representative at the desk did not speak fluent English, but XXXX  ; 2 ) Immediately, he informed me that the promotion was not available for me, but only for existing customers, that I as a new customer could only receive 4.4 %. I went to the ad on the desk and it did not say that, it confirmed simply 13 months for 4.6 %. We brought this to the attention of others in the branch and then they said, ok if you open a checking account as well, you can receive the promo rate. Although the ad on the desk did not say that, I agreed ; 3 ) I requested that Synovus not mail paperwork, and they said they had to - no problem I agreed. I leave and then unexpectedly about an hour later receive a call from the no English speaking representative, telling me about opening the account on line or something of that nature in order to adjust the settings to no mailings. Ok, at this point I have concerned about this branch at Synovus and tell the lady who helped XXXX XXXX XXXX open the CD that I would need to part ways with Synovus, get my money back and go elsewhere. I am told the manager would call tomorrow ; 4 ) Branch manager calls Thursday XX/XX/XXXX, said sorry for my experience and troubles. Offered to close the CD and return my money tomorrow ( XXXX without penalty ) ; 5 ) XX/XX/XXXX is today, I receive a call from yet another employee in the branch informing that there will be a 12 day hold on my money - it'll be available XX/XX/XXXX - AGAIN, not what was agreed upon when the branch manager offered to close the CD and return the funds. So, it was trouble with their ad, outrageous that they have someone who can speak English making representations, and then another slick move in holding the money for 12 days without telling me what he intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: LA

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, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and 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 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, 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 2023-03-10 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: LA

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, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and 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 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, 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 2023-03-10 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:
The US Department of Education is reporting multiple charged off student loans on my reports. 

All of the accounts have been deleted from other bureaus, however the remaining bureaus reporting these accounts are reporting inaccurate and inconsistent information. These accounts, US DEPT ED XXXX, US DEPT ED XXXX, are reporting inconsistent last payment dates, active dates and open dates. 

If all bureaus get their information from the same place, how is it that each bureau is reporting something completely different? Surely no real investigations have been completed in receipt of my disputes. It is illegal to report inaccurate information on a consumers reports and they are all in violation. I am demanding that these accounts are deleted from my reports now!

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 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. TRAN 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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I was notified via mail that Caine & Weiner Company , Inc was attempted to collect a alleged debt on the behalf of XXXX the date on the letter was XXXX giving me a deadline to contact them to dispute online by XXXX. I sent email on XXXX @ XXXX EST to dispute alleged debt and requested that company verify and validate debt. In that dispute notification, I advised once I recieved documentation to allow me 30 days to review and respond for accuracy. I got a response from XXXX XXXX a rep from Caine & Weiner, advising that company has notated my file and they would be requesting additional information on the balance from their client. The communication said once they recieve they will forward the information to me. I wasn't contacted again until XXXX and in that communication, all I recieved was a final statement that was attached in the email and that my account was noted for dispute. On XXXX, I recieved another email from XXXX XXXX, stating she was reaching out on the behalf of progressive and to conact or email the office back for resoultion. On that same day, Caine & Weiner sent file to credit reporting agencies reporting balance as a collections. Caine & Weiner are in violation of 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 resonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2. States, a consumer reporting agency can not furnish account information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/2016, I went to XXXX XXXX in XXXX XXXX, CA, with grandsons. Walking down treacherous stairs to the beach, the stairs collapsed, and I fell with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time, the only insurance I had was Medicare. I was charged {$500.00} for an ambulance ride less than a mile to the XXXX XXXX. Since several persons had been injured on these stairs that were not safe, an attorney sued to have the stairs removed and to pay for all of my medical bills due to their improper and dangerous stairs. 

This accident changed my life for the worse. Could no longer work, and after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no auto, no savings, and close to becoming homeless at the age of XXXX. My understanding this {$500.00} charge was to be paid since this was no fault of mine. I was not aware of it being turned over to XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CA XXXX, Ph. ( XXXX ) XXXX. They in turn, immediately added a charge of {$490.00} to the debt, and have charged interest to this medical bill, accelerating the debt to {$1600.00}. Because of this I have not been able to purchase an auto, and it has caused me to not find rentals. I called them several times, the dates I do not remember now, since this will be 7 years old this year. I feel it was inappropriate to increase this bill from {$500.00} to {$1600.00} when due to the issues, I should not be held responsible for this debt. I spoke to the attorney that handled this case, and he did not realize this was not addressed and taken care of at that time. Any assistance on this matter would be greatly appreciated. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
The US Department of Education is reporting multiple charged off student loans on my reports. 

All of the accounts have been deleted from other bureaus, however the remaining bureaus reporting these accounts are reporting inaccurate and inconsistent information. These accounts, US DEPT ED XXXX, US DEPT ED XXXX, are reporting inconsistent last payment dates, active dates and open dates. 

If all bureaus get their information from the same place, how is it that each bureau is reporting something completely different? Surely no real investigations have been completed in receipt of my disputes. It is illegal to report inaccurate information on a consumers reports and they are all in violation. I am demanding that these accounts are deleted from my reports now!

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 2023-03-10 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: Flexible Finance, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Company Flexible Finance for unauthorized reporting on my credit report, which has caused me significant harm, including defamation of character, homelessness, difficulty in buying a house, and late payments. I would also like to note that I have also submitted a complaint about this matter to the Federal Trade Commission. I have reason to believe that I have been a victim of identity theft by Company Flexible Finance, as I did not provide them with any consent to report on my credit report. According to 15 USC 1681 c2, consumer reporting agencies are prohibited from reporting any information that is not authorized by the consumer. However, Company Flexible Finance has reported on my credit report without my written instructions or any form of consent. The unauthorized reporting by Company Flexible Finance has caused me significant harm and has negatively affected my financial wellbeing. It has resulted in defamation of my character, as it has made it difficult for me to obtain credit and caused me to be homeless. It has also made it nearly impossible for me to buy a house, which is a fundamental part of the American Dream. The unauthorized reporting by Company Flexible Finance is an egregious violation of my privacy and has caused me undue stress and hardship. I urge the CFPB to investigate this matter thoroughly and take swift and appropriate action against Company Flexible Finance. It is essential that this company is held accountable for their actions and prevented from causing harm to other consumers. I request that you inform me of any further steps that I should take to protect myself from identity theft and to correct any inaccuracies on my credit report. I am deeply concerned about the impact that this unauthorized reporting may have on my financial wellbeing, and I implore the CFPB to act swiftly to protect consumers like me. Thank you for your immediate attention to this matter, and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a notification on Wednesday XX/XX/2023 that a direct deposit was available in my Wells Fargo checking account from my employer. Online banking showed the deposit and showed the funds available as late as XX/XX/2023. On XX/XX/2023 I received a notice that my account balance had dropped below {$0.00} and I had 24 hours to add funds to avoid overdraft fees. Upon checking my account online, I found that the deposit was not longer listed. I called Wells Fargo customer service and was advised of a system glitch and that my funds would be available soon. 

As of XXXX XXXX XXXX the deposit was listed as Pending but the funds were not available. At XXXX XXXX XXXX the deposit was once again not listed on my account. 

I visited a branch and was told their system shows the deposit as Pending but I still do not have access to the funds. 

As of this writing, online banking still does not show the deposit or show the funds available. 

I have an email and text message from XX/XX/2023 referencing the available deposit and screenshots from XX/XX/2023 showing the deposit pending at XXXX and missing at 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