vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 

I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle.

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of 15 U.S.Code 1692e ( 2 ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me.

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.

Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, I XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX 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 that 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, Experian, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Experian with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.

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 2022-04-25 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: SC

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 XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 602 A Section 2 : It also states consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 
I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle. 

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of XXXX U.S.Code XXXX ( XXXX ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me. 

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OR

Complaint narrative:
XX/XX/XXXX, purchase made for airline tickets with a NETSPEND prepaid card... We cancelled the same day and it was to be refunded. They have had it on hold/ pending for 2 weeks! We have contacted them multiple time with proof that they voided the transactions.. We even gave them the letter from XXXX XXXX and they still say it isn't enough. An airline would never pend a charge for two weeks they want their money right away. They refuse to release the funds back to us so we can make another purchase. We want our money back .... Netspend worst company ever they literally have purchased money held up ....

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies Transunion, XXXX, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Transunion with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All 3 of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, XXXX, and Equifax in which they were received and signed for. Equifax with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: MO

Complaint narrative:
On or around XX/XX/XXXX I engaged in a consumer credit transaction in regards to a mortgage loan with Prosperity Home Mortgage , LLC with XXXX XXXX as my Mortgage Consultant. On or around XX/XX/XXXX XXXX XXXX contacted me via email to inform me that she was unable to complete my application but had ran my credit scores stating " XXXX score is " XXXX '' and XXXX XXXX is " XXXX ''. Since XX/XX/XXXX I have tried to contact XXXX XXXX via phone and email I have not gotten a reply. The last time trying to contact XXXX XXXX was XX/XX/XXXX around XXXX pm after receiving an email from her minutes before understanding it was not a business day, to apply about moving forward with my application process. Nevertheless, I had concerns regarding my rights pursuant to title VII ( Equal Credit Opportunity Act ) ( 12 CFR 1002 ) of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). Even though XXXX practice appears neutral on its face, requiring that applicants have income in excess of a certain amount to qualify for an overdraft line of credit could mean that women and minority applicants will be rejected at a higher rate than men and nonminority applicants ( 1002.6 ) - Rules concerning evaluation of applications. However, a creditor may not consider in its evaluation of creditworthiness any information that it is barred by ( 1002.5 ) from obtaining or from using for any purpose other than to conduct a self-test under ( 1002.15 ). 
Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to " discriminate '' against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( 1971 ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1975 ), to be applicable to a creditor 's determination of creditworthiness.

Also, I do not waive any rights under ; 1. 12 CFR Part 1002.15 - Incentives for self-testing and self-correction ; 2. 12 CFR Part 1007 - ( Regulation G ) - definitions ; 3. 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) or any other consumer rights thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Consumer Protection Financial Bureau old case number XXXX. I'm filing a new complaint against Citi bank because back in XX/XX/2022 my account was blocked after my last transaction which was a wire transfer {$2200.00} and a fee of {$25.00} totaling {$2200.00} was pending on the recipient end had not gone through and was told by Citi bank agent in a phone conversation it will be blocked and probably won't go through. Before the transfer I had {$2000.00} plus United States dollars in the checking account, with the wire transfer being blocked it should bring my account balance back up to {$5000.00} plus United States dollars. When Citibank blocked all services pertaining to my personal checking, savings account, wire transfers, online services and the ATM. I XXXX is my nickname have contacted the Citi Bank several times during the Grace period Given to me by them and was told by Citi bank agents they'll be sending me a letter and a refund of my remaining balance XXXX to 60 days. In which I XXXX haven't received. Since Citibank discontinued banking relations with me, I had proceeded to call and get an explanation on the closure and why I haven't received my letter and the check of the {$5000.00} to almost {$6000.00} United States dollars. But Citi bank refused to provide any answers and told me to ignore any emails or messages and would hang up in my face. Clearly I still receive text messages. Another deep seated concern Citi bank has overdrawn the checking account with old transactions after permanently blocking me, XXXX out of all banking services. Citi bank has Embezzled My Money and Fraudulently overdrawn the checking account for No Apparent reason.

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 2022-04-25 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: SC

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX XXXX XXXX collection and XXXX leasing 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
a federal loan was taken 2010 for my daughter. She defaulted and Navient picked up her loan. She has been paying them for her loan. The IRS has been keeping my ( her mother ) tax return saying that I owe for her defaulted loan. She is still paying Navient and is current on her account. I have tried to contact Navient for the past few years and can not get an answer as to why this is happening. Initially I was told that I owed somewhere around {$24000.00}. The IRS has been keeping my returns of approximately {$1200.00} - {$1800.00} a year. I have tried to find answers thru them and was told to go thru Navient to no avail. 
Is there anything that you can do to help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
In accordance with the fair credit reporting act.The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604.A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN XXXX  Federal Government Inquiry date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXXXXXX 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 explanation