vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX % XXXX % XXXX % 98 % 89 % XXXX % XXXX % XXXX Unfortunately, I have reported to XXXX and fraud FTC website XXXX the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through intermediaries named XXXX XXXX  and XXXX XXXX in the total amount of {$36000.00} USD. The platform is just like any other XXXX exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: PA

Complaint narrative:
I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXXXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Mailed dispute letter to TransUnion regarding unauthorized inquiries in my files. Moreover, filed dispute with furnishers of the disputed inquiries. Have not heard back from TransUnion or the furnishers of the disputed inquiries.

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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: West Realm Shires Services Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX/, a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website , the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through XXXX named XXXX XXXX and FTX US in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXXXXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/XXXX, I accidentally overpaid Macys American Express card through a bank transaction ( {$4300.00} ). The transaction from my bank can be found in my XXXX statement. Macy 's has received the money on the Macy 's XXXX statement. 

I found the error a few days later and asked for a payment reversal. The representative said it will be done within 14 days. Macy 's representative indicates that it has been done on XX/XX/XXXX. 
Call the phone numbers many times and the representative said it will done on XX/XX/XXXX, XXXX. 
I attached the XXXX statement to show there is no refund from Macy 's. 
Finally, I received an email ( XXXX ) indicates that it will be done 5 business days.

I have not received the refund.

Call Macy 's and the representative said it was done and nothing she can do.

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 2022-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXXXXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021 ). If these inquiries are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand for them to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX 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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I did a balance transfer from my PayPal credit card in the amount of {$930.00} to a zero interest card. The zero interest card sent a check on XXXX XXXX. And the check cleared the bank ensuring that the money was received by PayPal. I have disputed the balance owed on several occasions. The balance reflects the payment for a short period of time and then it reappears after a couple weeks. I have a copy of the check that cleared, spoke with the manager after I sent the copy and the balance was removed and it was back again. After speaking to him it was removed once again only to reappear a few weeks later.

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 monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/XXXX, I spoke with a Navy Federal Credit Union supervisor about the closing of my credit card account, the transfer of my security deposit and why. The Navy Federal Credit Union supervisor was very rude and told me " due to non-payment on my account for 3 months it was closed because that's what their terms and conditions state ''. Navy Federal has no right to close my account while it was in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received a text notification that my chime card was overdrawn on Wednesday XX/XX/XXXX. I knew this was incorrect because i was at an appointment and did not use my card. 5 fraudulent transactions were made at a gas station in a totally different state then what i live in. They were made at a XXXX XXXX XXXX XXXX station in XXXX New York, which i have never been. the transaction amounts are {$47.00}, {$100.00}, {$4.00}, {$100.00}, {$33.00}. The first fraudulent transaction of {$47.00} was made in XXXX NY the same time i was at a gas station near my home in XXXX MI that Wednesday at XXXX. i called chime to notify them of the transaction i did not authorize and they helped me file a dispute when they posted on XX/XX/XXXX. Not even 24 hours after i filled the dispute they denied it. I asked 3 times for a written reasoning why this would be denied since it is clearly fraud. to this day on XX/XX/XXXX i still have not yet received any information. I just called again today and no one was able to provide me explanation. I spoke with a supervisor and his suggestion was to call the merchant in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
US Bankruptcy Court XXXX Georgia ... XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted 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 non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed by people pretending to be the XXXX on XX/XX/2021. I sent them {$3000.00} through XXXX as they gave me fake notifications of the money not going through. They were yelling at me, telling me that I would be arrested if I did not pay the money, and causing me severe distress. I had contacted XXXX and Bank of America and they refused to do anything to protect me. I've been a customer of Bank of America for 10 years, and I feel severely disappointed that my bank is not doing more to protect me nor are they providing me with any sort of financial help with my loss.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted several complaints about information being incorrect, Have also presented XXXX, XXXX and Transunion. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )

Company response to consumer: Closed with explanation