vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: FISERV FINXACT CORE
State: FL

Complaint narrative:
PLEASE SEE SUMMARY ATTACHED XXXX XXXX, XXXX, violated XXXX XXXX standards. XXXX  XXXX XXXX claims XXXX XXXX, XXXX. vetted and verified the fraudulent accounts ; however, this was obviously not true. They failed to properly handle the change documents submitted by criminals as well as failed to comply with XXXX XXXX guidelines which caused XXXX XXXX money to be stolen by these criminals. Between the frequency of documentation requesting account changes, incorrect or incomplete information within those account change requests and the bank actually diverting money back to the credit card processing company at one point but then allowing the fraudulent activity to continue, the credit card processing company and XXXX XXXX, XXXX, had plenty of notice and opportunity to protect XXXXXXXX XXXX funds. The credit card processing company, as well as XXXX XXXX, XXXX., failed to follow its own protocols, as well as XXXX XXXX standards. This allowed the fraudsters to steal over XXXX dollars of money that was supposed to be deposited into XXXXXXXX XXXX bank account, but was deposited into accounts not owned by XXXX and not in XXXX XXXX name. If you look at the TRACE numbers and the changes in accounts, there was not one day that an investigation could have taken place. The credit card processing companies chose to place diverted funds into a holding ( escrow ) account, and never informed XXXX of any account issues, deposit failures or funds being held until almost a year later. This was a clear violation of the terms of the agreement. XXXXXXXX XXXX account should have been frozen immediately upon receipt of diverted monies from XXXX XXXX, who clearly knew it was a fraudulent account, according to the bank manager. Please see attached summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In according with the fair Credit Reporting Act Convergent Account : XXXX - XXXX & XXXX, XXXX - XXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have been given three different monthly payment amounts for when payments restart. Between the dates of XX/XX/XXXX and XX/XX/2023 I received communication for the following amounts, one for {$340.00}, one for {$190.00}, and one for {$400.00}. When I called to check the status of my IDR plan, they said they did not have that information and to call back the next week. When I called back they still didnt have any answers for me and I said to apply for the XXXX IDR for a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX  student loan provider states that they have been attempting to auto deduct my payments from my bank account without success and my public storage payment at the beginning of aXXXX was declined as well. I have not received any fraud notifications and I have called Chase numerous times and verified my identity they are ruining my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
Someone was writing checks and i had a XXXX  XXXX and when i got out from recovery i noticed the problem right away and called the financial institution to correct the problem i recently filed an identity report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX I attempted to use my card to find out it is declined. I call Citi to find out that my account has a fraud flag on it. The only way they are willing to verify my identity is to mail a form to my home that I no longer live at ( moved 2 days ago ). I then requested to have my account closed which they refused to do. At this point I just want my account closed and to never bank with citi again.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This student loan account listed as DPT EDXXXX Account XXXX XXXX XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

has violated my rights. Or list of inquiries 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 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am unsure of the first date I called but it was in XX/XX/XXXX. I had called because it said I missed a payment despite autopay being on and having money in my account. They had said my account closed to which I corrected the information with them and they said that the problem was resolved and the autopay was fixed. Today XX/XX/XXXX I called because they closed my account due to dishonorable payment history and when I explained the situation they told my wife that the account will remain closed and they apologize for the inconvenience. This is not how autopay works and this is not honorable business seeing as how the issue was date of payment and their system is flawed. The representative on XX/XX/XXXX even admitted that her coworker on the previous call mishandled my account and didnt set it up the way he had described.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. 

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. 

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.

Thank you again for your assistance. 

Regards, 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. 

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. 

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.

Thank you again for your assistance. 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express is reporting inaccurate information on my report and have shared this information to an employer without my consent. They have removed these accounts from XXXX however have not removed it from XXXX and XXXX which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account is with fifth third bank. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode. 
The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report. 
Asked to change the reporting as I was not delinquent. Fifth Third bank systems are messed up- Please do not give them the right to ruin the credit report in a whim. 
I am not delinquent and have a good history. Assist me please. 
XXXX XXXX On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, XXXX XXXX will automatically re-process the withdrawal. On XX/XX/2023, XXXX XXXX did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment. 
On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I have disputed incorrect information about upstart and opp loans starting XX/XX/2023. 
Upstart reports my balance as XXXX, they updated the correct amount which was zero on XXXX but refuse to update with the other credit bureaus. XXXX continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I went to file taxes for my componey called XXXX XXXX XXXX XXXX  XXXX co she was filing my LLC taxes for me after many emails and phone calls from them asking for way over XXXX for papered my my taxes that i never picked up so serves was not rendered they sold my account to CREDIT SYSTEMS INC Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX for some thing i never picked up or revived i will like this com investigated asap for fraud i have never got any mail on this or phone calls as the law requires them to do I JUST CALLED THEM AND THEY DON'T EVAN HAVE MY CORRECT NAME ON FILE ALSO THEY HAVE MY BUSINESS ADDRESS WHERE NOTHING WAS EVER SENT MY MAIL THIS MUST BE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX I call Chase Bank 's customer service line to ask about an incoming international wire transfer. The representative said I would only be charged {$15.00} by Chase Bank. I asked specifically about intermediary bank fees and was told that Chase does not use any intermediary banks so there would not be any intermediary bank fees. 
I then opened an account at Chase Bank to receive the {$40000.00} wire transfer. When I received the money on XX/XX/XXXX, {$120.00} was missing. When I inquired why, a different Chase representative said that intermediary bank fees had been charged and that the initial information was wrong and that the bank would not refund the fees despite the misleading information that caused the charge.

Company response to consumer: Closed with explanation