vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 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: NJ

Complaint narrative:
In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake is constantly contacting me. there allowed to contact me once in a month. I have a credit repair that reaches out to them. They can not harass me calling me constantly.

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 2023-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 Wells Fargo, NA filed a foreclosure complaint against fictitious persons XXXX XXXX, HUSBAND OF XXXX and XXXX XXXX XXXX XXXX XXXX, HIS WIFE ( see attached, Case Details : XXXX | General Equity Docket # XXXX ). I have informed Wells Fargo, NA that i am a living woman, i am a member of the General Public, and i am standing under the Public Law. Mr. Attorney called i a " XXXX Citizen '' ( Mr. Attorney is implementing a propaganda campaign against the peaceful non-combatant people of the states of the XXXX and mischaracterizing them as XXXX Citizens ). Wells Fargo, NA claims that they have all documents to prove standing for the complaint. I requested the original note and mortgage with the indorsements. Wells Fargo, NA has never provided the original documents with indorsements on them. Attorney - XXXX XXXX XXXX XXXX ( substitution of counsel ), court clerk, court administrator, and the judge XXXX continue to conspire against i despite all the evidence of the mortgage fraud i provided ( including Affidavit of XXXX XXXX XXXX - licensed private investigator on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX License # XXXX ), continue to fabricate fictitious documents ( like a copy of the XXXX to the note that had no records of existence before XX/XX/2023 ), robosign documents. XXXX XXXX denied my motion to Compel Discovery and granted Motion for the Summary Judgment to Mr. Attorney even though Mr. Attorney had not answered interrogatories, had not provided requested productions of documents. Mr. Attorney admitted that XXXX XXXX Trust was not named as payee on the XXXX XXXX and mortgage and does not now have rights to the XXXX XXXX . For the XXXX XXXX XXXX to gain rights to the XXXX XXXX , the XXXX XXXX XXXX would have to be named payee ( XXXX XXXX XXXXXXXX ). Why does the judge still moving with the foreclosure and calling living people fictitious entities? 
Public Record of our Political Status, land grand, and cancellation of all powers of attorney can be found in Book XXXX XXXX XXXX XXXXXXXX XXXX ( Pg XXXX - XXXX ) and on the XXXX XXXX XXXX website : 1. Go to XXXX XXXX XXXX  then click ENTER 2. In the box labeled To locate/verify member record, enter : enter the recording number # XXXX and # XXXX 3. Follow the link Go to All Published Documents

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I sent {$10.00} to someone named XXXX XXXX through XXXX, He did not receive it, I searched for XXXX Customer Service phone number on XXXX. The following number popped up as XXXX XXXX customer service : XXXX XXXX XXXX. I called that number and believed I was talking to XXXX. I asked about the {$10.00} I sent to XXXX XXXX and the person on the line said, he needs to first confirm my identity. He asked me about Chime, XXXX and XXXX. I told him I have Chime and XXXX. He then proceeded to install a software called XXXX on my cell phone, He did a lot of transactions remotely controlling my phone quite fast without my knowledge, Later I found out he was buying XXXX  under XXXX XXXX XXXX, etc. I had {$700.00} in my Chime account and removed {$450.00} and $ XXXX under a name XXXX XXXX XXXX He also used a debit card I had at XXXX and withdrew {$480.00} and {$10.00} form XXXX XXXX  in XXXX ( XXXX XXXX XXXX ), even though I only had {$25.00} credit there. He called me from XXXX XXXX XXXX a total of 6 times. I answered to one or two calls. After this conversation, I realized that the person on the other line was a scammer. 
All along, I thought I was talking to XXXX. The person even asked to take a picture of my drivers license ( front and back ) and profiles of me ( left and right ). After I hung up, I realized that he was not part of XXXX. I immediately called Chime and told them about the problem of the {$700.00} he removed from my Chime account leaving me with a {$0.00} balance. I talked to their fraud department and asked for their help. They told me they can not do anything for me. I then went to our local XXXX Police Department and filed a report in person with XXXX XXXX XXXX ( XXXX XXXX XXXX ) She assigned a case number XXXX XXXX XXXX  to my case and recommended that I get new drivers license, report the incident to my banks, and take my phone to XXXX to wipe it clean from any XXXX. I followed her recommendations. I now have new checking and debit card numbers and froze my XXXX, XXXX and Chime accounts I would very much appreciate your help in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 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: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 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: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent someone I met through XXXX XXXX $ for a XXXX through cashapp. They did not send the XXXX and ended up blocking on me on XXXX after I sent the money. I reported cashapp through the app, spoke to multiple people, and they said that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX i used my debit card to make several hundred thousand dollars in purchases from a business in the XXXX XXXX. The purchases were made while I physically located was in the USA and the transactions were all denominated in USD. 

I was charged foreign transactions fees that amounted to thousands of dollars. 

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card. 

BOA charges a foreign transaction fee on transactions consummated in US dollars. BOA alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. 

The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but its not applicable when charging these fees on US dollar transactions when the cardholder is physically located in the USA. 

My account was closed by BOA but those fees have never been refunded. Recently the Biden administration has taken numerous measures to combat junk fees which include the application of foreign transaction fees just like those that I was charged!

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 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I

n accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 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: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
On the XX/XX/XXXX, I received an email at XXXX XXXX saying someone was trying to change my email address.I call the customer service number XXXX XXXX XXXX and said it was ( NOT ) me and not let nobody change anything it was scammer.By XXXX XXXX, the same scammer get in my account by calling them and change my email and password and get in my account.But one error the bank makes, they did ( NOT ) asked the scammer my XXXX security code at the back of the card which only me know.XXXX  is the XX/XX/XXXX and I still did not get my money back please help me I have XXXX kids and wife to take care of.every time I call somebody out of the United States answer.The bank name is American Express serve.Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 I received an email stating I had opened a bank account with Bank of America. Thinking it was a mistake i ignored it. Received a second email that my account was approved. When that email came in I proceeded to call Bank of America and have a conversation with someone. They explained they would close the account that was open with my exact information since it was not authorized by me. On XX/XX/XXXX the exact issue happened again. This time when speaking to the agent I asked if this was a Bank of America issue and she claimed it was a worldwide issue once again closing the account but advising me to pay for credit monitoring, which I did with XXXX. After months of monitoring I was forced to cut cost and that being one. In the time I had the service my personal information was never attempted to be used anywhere else. Overnight XX/XX/2023 once again I am receiving emails from Bank of America and Merrill XXXX a Bank of America system as well discussing online banking and a new application. This is a BANK OF AMERICA issue! They themselves are behind this and I want my information removed from their system immediately before legal action is taken and a call to all news stations.

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I started a part time job online it was to review some applications. after pushing the applications thru the website XXXX XXXX advised me I needed to submit a deposit to release the funds. I completed transactions from my bank on XX/XX/23 for {$160.00}, XX/XX/23 {$160.00} XX/XX/23 {$450.00}, XX/XX/23 $ XXXX $ XXXX {$2200.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} I submitted this to my bank as an authorized push payment I was scammed into submitting this payments. I reached out to my bank immediately and did not want to submit the claims and refund the money I know there are protections in place for situations like this. Please open an investigation for the bank will not assist in refunding these in question.

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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have two large accounts or promotional purchases on a Synchrony card. they have completely different timelines when i had one account, i could go in and make payments on it on line. now i can not do that i must get a live agent at Synchrony this requires 17 steps. there is no easy way or efficient way to get a live person. you have to listen to recording after recording to get a live person takes 45 minutes ... .and this is the requirement they have for me now that i have two " accounts '' on 1 credit card which came with no interest for a number of months. 

two managers at synchrony told me if i want to allocate my funds to a certain account i must phone but when i did the other day XXXX a XXXX XXXXXXXX XXXX  and XXXX assured me my funds would go to the proper account ( the $ XXXX XXXX  ) and he erroneously applied it to the larger one ( $ XXXX ) which I specifically told him not to. this was all recorded. 

this is unacceptable. I am trying to make payments XXXX a month on XXXX different accounts with different expirations and synchrony is preventing me from doing this with unreasonable conditions and unreasonable wait times.

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