vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: WV

Complaint narrative:
On XX/XX/2023, someone unlawfully gained access to my account with this company ( Dave ) and withdrew XXXX separate {$500.00} cash advances and placed them onto a XXXX debit card that was not mine, and that I did not have access to. This company ( Dave ) then recouped the cash advance funds from my XXXX checking account, even though they were contacted and made aware that the charges were fraudulent. The only action that Dave has taken was to immediately close my account, which they now claim prevents them from refunding the money that was fraudulently taken. 

I have had XXXX separate fraud claims open against them with my bank, XXXX XXXX XXXX, which were unsuccessful. The representatives at XXXX claim that when contacting this company ( Dave ) theyve been informed that there were no fraudulent charges, and therefore causing XXXX to conclude that the money taken from my account was authorized by myself, which is absolutely not the truth. 

I have been successful in contacting this company and spoken with a representative, named XXXX, and his supervisor, named XXXX. After speaking with both of these company representatives, they concluded that my account was indeed compromised, fraudulent cash advances were made and placed onto a XXXX debit card that was not mine nor in my possession, and that the account needed closing for security purposes due to the compromise. Unfortunately due to the account already being closed on XX/XX/XXXX when the initial fraud occurred, they stated that it wasnt possible for them to issue me a credit, and that my best solution would be to contact my primary bank ( XXXX ) and have them reopen the fraud investigation and contact them. I have done so unsuccessfully. 

There are notes on my closed Dave account now verifying that all of this information is accurate and that XXXX individual charges of {$500.00} each were indeed unauthorized. 

Ive made multiple attempts since the initial contact with this company ( Dave ) to recover the funds that were stolen from my account, and Dave has refused to cooperate, stating that since they closed my compromised account they were unable to refund the money that was stolen from me. Theyve advised multiple times to contact my bank for a refund, but upon doing so, Ive been told by my bank that I needed to recover my stolen funds from Dave. To this day, I am still missing more than {$1500.00} that I have been unable to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I got an American Express Virtual Reward for a balance of {$1800.00}. The card keeps being declined on every single online retail store such as XXXX, XXXX, XXXX, XXXX, and XXXX for even orders less than {$40.00}. 

I called customer service on XXXX, XXXX and I was told there was a security measure and to give it XXXX hours to resolve. I tried again different sites after XXXX hours, but nothing changed all got declined. I called customer service again on XX/XX/XXXX and I got another excuse that most of the sites are blocked online to prevent fraud. I was told that may be the merchants don't accept Amex, I answered that after each declined transaction with the PREPAID CARD I used my American Express CREDIT CARD and the transaction went through, so the problem isn't merchant-related. 

I am not able to use the card at all.

I tried to search online and found that a lot of people have the same issue with this particular product " American Express Virtual Reward ' who have failed to use the care and after several ( 9 -12 ) months, a service fee of {$3.00} per month started to be charged. 

This is a quote from their cardholder agreement : " Where to Use Your Virtual Reward Card The Virtual Reward Card may be used at merchants and retailers in the United States, XXXX XXXX XXXX and XXXX XXXX, including online or mail order retailers and merchants, that accept the American Express Card ( XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
All of my personal and professional items was in vehicle when repossession accrued. I have lost my residence and small business due to this repossession I have purchased from this company before and had no problem other then them not communicating that payment was on time which caused my credit score to stay low hence the outrageous interest rates that only helped the company profit. There has been court proceedings against this company in recent years they are scamming the everyday XXXX this is unacceptable.

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 2023-09-20 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: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-20 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: IL

Complaint narrative:
Ive just recieved my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the fair credit reporting act, XXXX  account number XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX has violated my rights 15USC 1681 602 A states i have the right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On several dates I requested the proper adjudication of multiple claims. 
-Several claims were mishandled and not completed as advised. 
-On XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from XXXX claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. 
-Claims were not processed or resolved in the proper time frame per California State guidelines. 
-BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. 
-Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. 
-On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. 
-Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls.

-Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX -On XXXX XXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. 
-I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. 
-BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA XXXX  times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only XXXX XXXX ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act.

I am interested in pursuing legal action.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a purchase online from XXXX for an item to be shipped to my home address. The item was shipped via USPS to my address. On the day the tracking number was shown as being delivered, I went to collect my package. No package was found at the mailboxes, around the property, or by neighbors. I disputed this charge with USPS to no avail based on the driver marking this package as delivered. There are no photos to show proof of delivery, and no signatures collected for the delivery. XXXX XXXX states in their order confirmation that any delays or lost packages should be disputed with the carrier company. I could not find any information on XXXX XXXX help FAQ to indicate I could resolve lost packages with the company directly. I took to Chase to dispute the charges. XXXX XXXX in their response to the Chase inquiry about the dispute, argued that this charge was valid based on the USPS tracking. I counter argued this point that there is no physical proof of delivery, and sent that response back to Chase. Chase concluded because I couldn't prove I didn't have the item except for lack of owning it, I must pay the {$180.00} for the product. Per FTC, I am not financially liable for a product I never received, and seek compensation for the full product amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

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 a 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 2023-09-20 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: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-09-20 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: PA

Complaint narrative:
XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/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 2023-09-20 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: PA

Complaint narrative:
XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX I enrolled in school and took my important documents with me, that day I lost all my documents including social security, debit card, green card, passport. not just mines but my fathers as well that was with me that day. we did a police report back in that year for the lost documents. XXXX later we found out somebody filed child support issue all the way in TX in case of my dad, but someone else with his information did it, my father has never even left the state or even visited TX ever. I'm not sure where I'm getting a XXXX debt from capital one and not only am I being charged but I'm being sued by a third party. I left in XXXX to join the XXXX XXXX and didn't get home till XXXX XXXX. recently this year I received a letter where I'm being sued and i owe XXXX dollars. I've only had XXXX capital one credit card and my limit was no more than XXXX which I paid off not too long ago because I didn't have access to my account due that other account being sent to collection, which I didn't noticed until I received a letter from that third party who's XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
There are accounts on my credit report that were opened without my consent or knowledge. I am a victim of identity theft.

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 2023-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that were opened without my consent or knowledge. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
There are accounts on my credit report that were opened without my consent or knowledge. I am a victim of identity theft.

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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH

Complaint narrative:
I had purchased a vehicle in XX/XX/2023. My first payment was due in XXXX. Ive paid on time every month sometimes early. In XXXX, I got new insurance through XXXX, and Automotive Credit. They ended up canceling my insurance for unbeknownst reason. ACC spoke to them and changed the policy. I got canceled and I never even knew about it. I corrected the situation when I found out about it. I went with another insurance company, because I couldnt get any answers on why they canceled me. ACC charged me {$450.00} for 15 days XXXX policy, unbeknownst to me. I paid early and apparently they applied my regular payment to the insurance charges and showing Im 15 days late. Ive advised that Im not paying that amount for XXXX weeks in lapse of insurance. They refuse to work with me. I asked for them to take off the charge, XXXX XXXX refused. She did take off a late charge and told me to pay the payment a day late so it wont be applied to the insurance. I would like that amount. To be taken off and my payment to be applied correctly. They call me every day for collection and want me to pay. XXXX stated that nobody can apply the payment correctly, if she could she would. I asked to speak to someone higher and she stated XXXX and XXXX will not talk to customers. I get that I was supposed to keep insurance but I was unaware, especially since XXXX took out a payment for XXXX and then they canceled it, no reason given. I had set up automatic payments for that reason. Please help!

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 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have not purchased a vehicle since 2018 And I have no idea amsher is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NY

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THE ACCOUNTS IS NOT MINE 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

Company response to consumer: Closed with non-monetary relief