vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
BMW has illegally shared my financial information with a third ( non-affiliated ) company who continues to try aggressive debt collections pretending to be law enforcement officers and very aggressively have tried to confront family members or gusts at one of my properties. These third parties have aggressively come to one of my residents at odd hours, aggressively knocked on door trying to intrude my privacy, as one instant listening on the door and trespassing and trying to violate my family privacy rights. They have tried to hide their identity and pretend to make it as they are law enforcement officers.

That is in direct violation of 15 U.S.C.1692f ( 6 ) ( unfair practices ) ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; BMW has also violated my privacy illegally sharing my personal information with a non-affilated third party private investigation company named " XXXX XXXX ''. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Such sharing of personal information with third parties without my knowledge is truly a violation of my privacy rights these are illegal third-party violations issued by XXXX XXXX XXXX 

They have been trying to approach my family members at odd hours such as XXXX XXXX or XXXX XXXX and they are aggressively peeking through windows of homes and using deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has frozen my checking account. They detected fraud and have not allowed me to access my funds. I have been locked out online and after a visit to the branch, I have been told it will take 2 weeks to 2 months to retrieve my funds. The branch says these is all being handled by a special fraud department and the local people have no information. No indication of how the fraud happened ie. ATM, electronic or whatever. I am treated the fraud not the victim or the customer. My account was closed around XX/XX/2023. I have several automate deposits that have gone into the account since that date. I had roughly {$4000.00} in the account. Iam a XXXX-year-old XXXX  suffering from several medical conditions including XXXX and XXXX and XXXX XXXX XXXXXXXX XXXX. I have had to scramble to pay my bills using other credit cards and borrowing money from friends. I have visited the bank and called them but as in the aricle below and the fraud department talks to no one. I thought the job of the bank was to protect its customers. I this case I am being held hostage. I certainly did not take my own money but I am being treated like I am a fraudster. However I am the victim. 
I just read the attached article and say ditto. 
https : //XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: MI

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : 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 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Acct : 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 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-12 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: DE

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  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

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 2023-02-12 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: WA

Complaint narrative:
Experian credit monitoring company which was given to me free of charge due a data breach has been trying to sell me a way to boost my credit score by lowering my current score when I use my credit card. 

What happens I have a cash back credit card that pays me to use it, but the kicker is I never carry a balance I pay it off every month when the bill comes due. I have been able to get over thousands of dollars as cash back and never paid an ounce of interest, I have been using their money keeping my debt low being retired. 

I have tried to get them to respond, and they won't budge, they take away points and the next month it shows no balance but only return half of the points but will give me the rest only if I buy their boost program. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX they purposely are targeting me and discriminating.

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 2023-02-12 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Acct XXXX XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct # : XXXX Acct : US Dept of EdXXXX Acct # : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-12 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX  Acct # : XXXX Acct : US Dept of EdXXXX Acct # : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Begin forwarded message : From : Bank of America XXXX Date : XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Activity Alert : Your credit card is on the Way Reply-To : Customer Service XXXX Bank of America? 
Activity Alert Credit card ending in XXXX Your credit card is on the way XXXX XXXX XXXX XXXX, Your credit card ending in XXXX was mailed on XX/XX/2023 to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Your card will arrive within 7-10 business days. 
When your new card arrives 1. Activate your new card immediately to begin making purchases.

2. Review the additional detail provided with your card documents.

If the address listed above is incorrect or your card isn't received in the specified timeframe, please contact us immediately. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice XXXX XXXX XXXX Bank of America , N.A . Member FDIC 2023 Bank of America Corporation

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My complaint is about Capital One XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX. 

I have been waiting on a credit balance refund check since XXXX XX/XX/2023, and have not received it yet. It is now XXXX XX/XX/ 2023. My requests to transfer the funds electronically to my bank account have been rejected. My request to send the check to me via overnight service, and offering to pay for the service has been rejected. 

The details are as follows : On XXXX XX/XX/ 2023, {$10000.00} was transferred to my Capital One credit card, leaving me with a balance of {$9600.00} owed to me. The transfer came from XXXX. I called Capital One and was told the only way to remedy the situation was to call XXXX and ask them to reverse the funds. XXXX informed me that they would not do so, and my only recourse was to ask Capital One to send me the money. 

On XXXX XX/XX/2023, I called capital one to request the money. They said the only way to send it to me was by sending a physical check via USPS. When I asked to transfer the money to my account electronically, they said it was not possible. The customer representative stated, " It will take up to 10 days, and I have never seen it take that long ''. 

On XXXX XX/XX/2023, I had not received the check yet. I called Capital One and after verifying my mailing address, they said " it can take 10 business days ( even though it had already been 10 business days ). They again said they could not XXXX  or electronically transfer the money. '' The recommended I call back again. I asked to speak to the supervisor, who said she will look into it, and placed me on hold. The phone was disconnected after 1/2 hour. 

On XXXX XX/XX/ 2023, I called Capital One again. it has now been 17 business days ( and 25 calendar days ) since the money was taken out of my account ( XX/XX/XXXX ). The representative after " investigating '', told me that the check was cut on XX/XX/XXXX ( not XX/XX/XXXX, when the money was taken out of my account, as indicated on my statement ), and probably did not go out until XX/XX/XXXX, and it has been " ONLY '' 14 days, so they asked that I call back on Wednesday. She offered to call me herself on Wed XXXX of XXXX to see if the check is not there, and if not, they will put a stop payment and send me another check! Even at this time, they refused to put a stop payment on it immediately, and transfer the money to me electronically. 

According to the government webpage : https : //www.helpwithmybank.gov/help-topics/personal-auto-loans/personal-loans/loan-refund-credit-balance.html, the customer can " tell [ the credit company ] how they want the money to be transferred '', and the customer should get the money " within 7 days ''. The policies and practices of Capital One fall woefully short of this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I came into the XXXX dealership looking for a car after seeing their estimated monthly payments for XXXX car being XXXX $ I decided to look elsewhere before I left they tried to convince me to sign a paper for a credit pull to get the actual numbers I refused, but I see they pulled my credit anyways without my consent on my credit report.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX ***** opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  ***** opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.

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 2023-02-12 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:
In accordance with the fair credit reporting act account # XXXX has violated my rights. 

15 u.s.c. 1681 section 602 A. States i have the right to privacy 15 u.s.c 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.

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 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX made a fraud charge to my account when I discovered it. When I spoke with customer service, they stated they could only adjust one because that was her limit. So she transferred me to her supervisor, who could fix the remaining fees. So when I spoke to the supervisor, she said she could not credit the other 9 fees because the charge was in dispute now, and the dispute department would credit them. So she transferred me to that department, and they had a 40 min  wait time, so I waited. After waiting for one ( 1 ) hour and 30 minutes later, the bank dropped me because they said the department had closed. I called back the following week asking for a resolution, and more fees were hitting my account from ACH-predated drafts. They told me again to wait until the dispute was resolved. 

I did my part and felt they were fraudulently trying to overdraft my account. I reported the unauthorized charge and the overdrafts. Chase bank refused to credit my account for all the overdraft fees that occurred since I reported the fraudulent charge from XXXX to the present. Know that my account was charged for a service that I didnt authorize, it is a fraud charge. I have escalated this matter to the executive office, and they will not credit the overdraft fees. My account has been high-jacked by Chase, and I have credit obligations to pay for with this account. I expressed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my account has been in limbo because they are investigating this issue, and as a result, more fees are compounding. I refused to pay for any overdraft fees on this account!

Company response to consumer: Closed with explanation