vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, was reporting to the credit agencies that I stop paiding on a credit card, and after more than seven years keep this credit card account claim open for collections so I used my debit card account to paid them back, no credit card account was never offered to me after paying that credit card account off and no updates were issued on credit offered to me. I paid off that credit card account but got nothing for it no credit card reactivation.

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 2023-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal Credit Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 business days. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 business days ( XX/XX/2023 ). On XX/XX/2023, I visited the NFCU branch in XXXX XXXX, TX to inquire about my deposit and was told by a nice XXXX  man that the deposit was placed on a security hold. He indicated that if customers ask about their deposits, tellers are directed to tell customers that they have no control over the hold and that funds will be able after 6 business days from the hold. Which he did and he informed me that the deposit would not be available until next XXXX. I find this practice highly deceptive as had the teller warned me that I might not have access to my money for more than a week, I would have deposited my money into one of my other bank or credit union accounts. NFCU really placed my family in a serious bind by holding my money. I had obligations to attend to and could not due to this. I should have been told this was a possibility and given the opportunity to decide if I wanted to continue with the deposit or not. At a minimum, once the security hold was placed, then at that point I should have been afforded a courtesy text, call, email to let me know that funds availability has changed due to the hold. As it is, there was no regard for me or my family financial situation or and concern for what critical circumstances I may have required my funds for. This is terribly inconvenient, inconsiderate and insensitive to the customer. I will be moving all of my money to another credit union or bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: RI

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS COMPANY is obligated pursuant to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filings and Indenture agreement to perform their contractual obligation by making payment of the principal amount and interest on all notes issued to the registered holder of said note. Consumer sent several notices via UNITED STATES POSTAL SERVICES dated XX/XX/2023, XX/XX/2023 to XXXX XXXX XXXXXXXX XXXX XXXX notifying him of redemption of said note and to transfer the principals balance to the principals account number to set-off the account to XXXX as stated in AMERICAN EXPRESS COMPANY indenture agreement Method of payment ; Denomination ; Transfer ; Exchange ;. 

Said company had 3-5 business days upon receipt of such notice to perform their Fiduciary duty, but failed to act in honor and good faith pursuant to their contractual obligation. AMERICAN EXPRESS COMPANY is also obligated by the FCRA to report accurate accounting to Consumer Reporting Agencies CRA, however the reports being furnished is inaccurate and a defamation of consumer character. SAID company is also liable under the CFPB and SEC to remain complaint with financial laws and regulations. AMERICAN EXPRESS COMPANY commission file number XXXX. XXXX XXXX. SAID company is still reporting inaccurate and late payment information on an open ended credit card account which is a violation of 15 USC 1666A, 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ; took an adverse action against the consumer by decreasing the credit limit due to their failure to not act in good faith by not applying consumer credit balance to set-of the account ; which is discrimination under the Equal Credit Opportunity Act ( ECOA ). AMERICAN EXPRESS COMPANY willfully and knowingly choosing to act in dishonor is damaging my consumer report, causing me mental anguish and emotional distress. I will be filing Treasury XXXX forms XXXX and IRS XXXX form XXXX to audit consumers account. AMERICAN EXPRESS COMPANY is securitizing my data yet refuse to transfer the principal interest to the principal balance to set-off said account to XXXX balance which they are lawfully required to pursuant to their indenture agreement; SEC filings XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. I visited A Chase bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX  ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: OneMain Finance Corporation
State: FL

Complaint narrative:
1. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help. 
2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( One main Financial ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: LEXISNEXIS
State: MD

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yield Solutions Group, LLC
State: GA

Complaint narrative:
I refinanced my auto loan with Refijet. As going through the number with the loan officer initially, I was told that there would be a {$490.00} prepaid finance charge which was to pay the accumulated interest with my previous lender ( XXXX bank ). However, when logging into my online account two weeks later, it appears the total loan principal includes the {$490.00} fee, which obviously isnt right and should not be included in there. I then called the loan officer to get clarifications on this. What I was told this time was not the same as before. He said the {$490.00} was a fee from Rjfijet and needs to be included in the principal amount. I was surprised about the different answers on the same amount from the same person. I tried to further dispute this but was told again that was the finance charge. 

The loan application itself clearly outlines the {$490.00} as XXXX XXXX XXXX, but the loan officer denied what he previously communicated with me regarding that amount. 

Therefore, my total principal amount is now {$490.00} higher than it should be which would result more interest I would have to pay, and this is not right in any comprehensible way. 

Also, I was told they would charge {$10.00} which was the amount to open an account for me, but my online banking only shows {$5.00} be deposited into my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights.

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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And XXXX accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

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 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I disputed this information early XXXX XXXX XXXX XXXX and with FoORTIVA. XXXX XXXX  never responded. Forgive responded stating this debt was no longer theirs. I responded with a debt validation and verification letter due to the fact I do not owe this debt and do nit have this account. Upon my credit report the information listed is very inaccurate, inconsistent, incomplete, not true and not whole. They are not filling the laws if FCRA or FDCPA nor is this compliant with metro 2 style formatting. This is account does not belong to me and they did not provide me with sufficient information proving so. This is also very inconsistent by looking at the 3b report. They are doing what they want and violating my rights. They have consistently and continuously lied and reported false inaccurate information please remove from my report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have phoned American Express a number of times regarding my American Express Platinum card that I was approved for on XXXX XXXX XXXX. The offer that came to me was for XXXX bonus miles so I applied online ( attached ). I have never gotten the bonus miles. When I first called in after spending {$6000.00} in the first month they told me I may have to wait six months since thats the amount of time I had to spend {$6000.00}. 

Today I phoned in again and they said I didnt qualify because I had an AMEX card in the past. They said an email came to me letting me know that I didnt qualify for bonus points. The attached email is the only one I received. When I applied online, it didnt tell me I wasnt eligible, only that my application would be reviewed and I would be notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Been trying to get my money refunded after someone stole all my money from my card and bank of America keeps declining my dispute and will not provide me a reason why it's been two years back and forth with this bank

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 2023-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

Company response to consumer: Closed with explanation