vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I have a membership with money lion the fee you pay is XXXX and you are not supposed to have any fees, but this is not only where the problem lies. They state that membership fee is waived I have statements and screen shots to this affect. I went through all my statements going back to XXXX where they have taken the fee of XXXX but never returned any funds to me as stated. So where is this money that was supposedly received? I did not receive any money back and this past month I made a loan payment 1 loan Payment after this loan payment was made they still came at me saying my account was not in good standing when it was. and took another loan payment plus charged me all these fees that are not supposed to be. I am on XXXX money is tight I am fighting for my XXXX XXXX benefits. I dont need a bank stealing I pay too close attention to my money. I have asked for a refund was denied. I am owed a couple XXXX dollars and they did this to someone else I had sign up. As they are out money. I recommended them. After taking a closer look with their nonsense I have everything you need.

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 2023-11-13 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:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield collection, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XX/XX/2023 A notice of debt validation.

You Hunter Warfield collections have violated my Rights pursuant 12 CFR 1006.34 ( c ). 
You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt.

The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter regarding a security breach with XXXX XXXX and was given an Experian code to use for Experian Identity Works. 
I created the login, received text and email verifications but could not get into the account. Can not get a reset email. And can not get them on the phone, with any of the numbers provided. 
Experian is more of a threat to my financial security than a thief.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HARD INQUIRIES from EQUIFAX 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 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: OK

Complaint narrative:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, Equifax and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, XXXX and Experian credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true.

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. XXXX sold account balance paid in full XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I called CBE GROUP XXXX XXXX XXXX inquiring about the debt collection showing on my credit report. Provided account number XXXX to the creditor. After multiple attempts they said my account is not found and they only have information from an individual from California for a cable bill from XX/XX/2019 with XXXX XXXX. On that note, I have never lived in California and I strongly believe this is FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
After giving a scam call about my bank Information and PiN Code I was giveing a call from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This account was open fraudulent and needs to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I set up a payment plan, to begin paying this debt down, in late XXXX so that payments could start on XX/XX/2023. I set up the payment plan giving my debit card information for the funds to be deducted from my checking account. In speaking with XXXX on XX/XX/2023, he confirmed that payments were set up to come out of my checking account. On XX/XX/2023, Bull City Financial Solutions attempted to withdraw {$50.00} from my savings account. This transaction was denied. Bull City Financial Solutions then charged me a {$20.00} NSF fee because the transaction on XX/XX/2023 did not go through. On XX/XX/2023, I spoke to a Bull City Financial Solutions agent by the name of XXXX. I explained to XXXX the NSF fee and he informed me to email, Bill City Financial Solutions Help Desk for Client Services, a screen shot of my bank statement that shows the {$20.00} NSF fee being deducted from my banking account if I wanted to be reimbursed. I sent an email to Client Services on the same day with a screenshot of my XXXX bank statement that shoes the {$20.00} NSF fee. I never received a call from Bill City Financial Solutions to address the matter at hand. I didn't find out that the reimbursement request for the NSF fee was denied until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( 1 ), it is evident that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports can directly impair the efficiency of the banking system, while unfair credit reporting methods erode public confidence, which is fundamental to the continued functioning of the banking system. In light of this, I believe it is crucial to bring to your attention the creditor 's actions that have compromised the integrity of the credit reporting system. 

Additionally, under 15 USC 1666b Timing of payments, ( a ), creditors are obligated to adhere to specific timelines when it comes to credit card account payments. They may not treat a payment as late for any purpose unless they have established reasonable procedures to ensure that consumers receive periodic statements, including the information required by section 1637 ( b ) of the FCRA, no later than 21 days before the payment due date. If the creditor in question has failed to uphold these obligations, it represents a violation of my rights and the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to address the creditor 's unfair practices. I believe that this investigation is necessary to protect my rights and the rights of other consumers who may have been similarly affected by these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: 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. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: 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. 

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 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 explanation
Consumer complaint received 2023-11-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to address the events that occurred following the theft of my cell phone on XX/XX/2023. On XX/XX/2023, two unauthorized transactions were made from my Chase XXXX Checking account, one for {$900.00} and the other for {$800.00}. In response, on XX/XX/XXXX, I went to a Chase branch to begin the process of filing a claim. 

Unfortunately, my initial claim was denied without clear or adequate reasoning. Following this denial, I returned to the Chase branch on XX/XX/XXXX, as instructed, to have my claim reevaluated. Despite assurances to the contrary, no reinvestigation had taken place. 

On XX/XX/XXXX, I received false information during a follow-up call to inquire about the reassured reinvestigation. The Chase representative in who handled the case, XXXX, initially claimed that the funds were withdrawn from an XXXX XXXX, which I have never owned. When pressed for more information, she denied knowledge of the device used, despite my owning an XXXX XXXX XXXX XXXX ( which was stolen ) and an XXXX XXXX. 

These instances of misinformation and refusal to provide identifying details limited the investigation and resolution process significantly. 

Unauthorized transactions conducted via the Chase banking app, particularly via XXXX, using an XXXX XXXX XXXX XXXX, the phone stolen on XX/XX/2023, provided the perpetrator with access to conduct these unauthorized transactions. 

None of the transactions were verified or authorized using standard methods of communication such as text messages, notifications, or any other formal means. In order to resolve this matter, I diligently provided all requested documentation, including police reports, activity logs, and email records. 

The lack of transparency, misrepresentation of facts, and failure to conduct a thorough investigation have all diminished my confidence in Chase 's security measures and claims resolution process. Despite my best efforts to resolve this internally, I believe it is necessary to escalate the situation and file a formal complaint. 

I respectfully request a thorough investigation and appropriate action to address this concerning and unacceptable situation. Your time and effort in this matter are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
I am writing to address the issue of unauthorized hard inquiry that has been reported on my credit profile, which I previously brought to your attention. I submitted a dispute letter outlining my concerns regarding the inaccuracy and fraudulent nature of this hard inquiry. XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2023, I purchased online a {$150000.00} 6 month CD from Chase. The advertised APR was 5.0 % At the end of the 6 months, I was paid {$37.00}. This is an effective APR of 0.05 %. Clearly this is a system error at Chase- a decimal point got moved two places and I was paid XXXX of what I should have received. The Chase website does not show any CDs with such a low rate of interest. No customer would purchase a CD paying 0.05 % APR. I should have been paid {$3700.00}. 

I have complained to Chase and they refuse to acknowledge the error. 

I have attached screen shot of my current CD. Note interest paid in XXXX  of {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This account was open fraudulently and while I was XXXX XXXXXXXX XXXX I sent police report numerous times and they still not deleting this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
In XXXX of XXXX someone from XXXX XXXX visited our home in XXXX selling different types of lawn treatments. My husband XXXX and I decided to go with the mosquito and lawn care since we were very happy with the pricing. We agreed to XXXX dollars per month for 5 months of mosquito treatments totaling to XXXX ( XXXX XXXX ) and paid as a pre-payment by credit card which we gave the salesman and was written on our contract. We agreed to 8 lawn care treatments that would be disbursed over various times/months. Which was XXXX per treatments totaling to XXXX also to be paid as a pre-payment. In total we agreed to XXXX of treatments to be deducted from our credit card. Well, that did not happen. 

In XXXX I spoke a CSR who tried to help me with my account because I noticed what we were being billed was not what had agreed to. He then proceeded to explain what I was being billed and that it was XXXX for lawn and XXXX for mosquito. I was incredibly upset. He said I would need to speak to a manager to get it resolved. I ended up speaking to someone named XXXX XXXX on XX/XX/XXXX who was very friendly at the time and advised me through email he had adjusted my pricing to the XXXX mosquito and XXXX lawn. He did not adjust anything to my account. I then emailed him on 2 other occasions and didnt hear anything. 

I continued to pay on my account until I reached the XXXX that I agreed to. However, I did end up over paying by XXXX. According to XXXX XXXX  I still own them XXXX, but I do not. I continued to get harassing calls from their collections dept. I requested to speak with a manager who can help me, they advised me that a manager was not available and will contact me in XXXX hours. No one has ever contacted me. I would call in and wait on hold and be sent to XXXX, unless I requested a new service prompt. Which I did and they still would not connect me to a manager. I have an excellent credit score, never late paying my bills. I only what is fair and that is to have this debt removed from my account. I trust that this service will see the truth. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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  has violated my right. 

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

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