vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
There have been unauthorized disclosures of my personal identifying information. Amex, XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
We did a purchase to a Company XXXX XXXX XXXX, they provided to us the bank information. Supposedly the bank information they provided to us belong to that company name, but wasnt true. This account belongs to another person and not to a company. The company or person scam me and I dont know why the bank that this account belongs accepted the wire transfer if the Beneficiary name is different. 

Let me explain better. 

The bank information this company provided to us was : BENEFICIARYS BANK : CHASE BANK BENEFICIARYS BANK ADDRESS:XXXX XXXX XXXX XXXX XXXX, GA XXXX ABA ROUTING NUMBER TRANSIT NUMBER DOMESTIC WIRES : XXXX BENEFICIARYS ACCOUNT NUMBER : XXXX BENEFICIARYS COMPLETE NAME : XXXX XXXX BENEFICIARYS COMPLETE ADDRESS : XXXX XXXX XXXX XXXX ACCOUNT TYPE : Business checking We put this information in the wire transfer instructions. After that the company received the funds, they provided to me a fake tracking number.They didnt dispatched a product we paid for and never again answered my emails after that. 

That is why I investigated personally in the cashier, this account number doesnt belong to this company. Belongs to a person named XXXX XXXX. So, I dont understand why the Chase Bank accepted the wire transfer if the information on it werent correct. I have the wire transfer receipt and all the information that support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-25 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX : Act # ( XXXX ) and XXXX Act # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Upon attempting to obtain a mortgage, I discovered a collections account from Credit Collection Services for a XXXX bill of {$360.00}. When I called to discuss the matter and told them the charges were a result of identity theft, they gave me the process to dispute with them. 
I was provided a different address the bill supposedly originated from each time. Neither of which I ever had XXXX at. I was told to file a police report and an identity theft report and upload them to their website. 
I was instructed to use the address in XXXX, MO. I did as requested. When I called again, I was told I needed to upload my ID-which I did. On another call I was told I needed to upload proof of the address the debt occurred at but this time that the address was one in XXXX, AZ. I can not get a straight answer and several times have offered to just pay the bill so they would delete the inaccurate information. They refuse. They also refuse to provide the correct verification of the debt so that I can properly dispute the charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TX

Complaint narrative:
I kept on telling Experian that they are disrepecting and diregarding Fair Credit Reporting Act laws and regulations. 

According to 15 USC 1681 i ( 5 ) The Credit Bureaus said everything was complete and accurate and I asked them how is that if the open date is wrong, the amount owed is wrong, the balances are wrong, and ALL comments are wrong! 

Then I ask them VIA certified mail # XXXX to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of mail I sent ( attached ).

Also according to 15 USC 1681 s-2 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.

This is violation after violation. The is causing me stress because I have no hope in this system.

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 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX and I'm a consumer submitting this complaint on behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. PROCOLLECT INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by PROCOLLECT INC. Please be advised that providing a memorandum or other statement from your agency, stating that PROCOLLECT INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have the trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

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 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX  and the college duly notified XXXX XXXX about my enrollment status.

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 2023-05-25 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: CT

Complaint narrative:
In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX and the college duly notified XXXX XXXX about my enrollment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX, and the college duly notified XXXX XXXX about my enrollment status.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received an email on XX/XX/2023 stating " Great news, your Shop with Points purchase has been processed and your point balance has been updated. '' indicating that Citi had redeemed XXXX ThankYou points ( {$12.00} value ) from my account towards a {$10.00} purchase at XXXX. I was confused by this as I did not ask for any point redemption and I certainly wouldn't lose 25 % of the value of my rewards, nor would I use them to make a purchase instead of earning new rewards on that purchase. 

I called Citi ThankYou customer service at XXXX today, XX/XX/2023, at about XXXX XXXX  XXXX to find out what was going on and to make sure it wasn't fraud. The representative informed me someone must have chosen the option to " shop with points '' at the point of sale terminal, and it turns out that my husband was tricked into using it when he made a purchase with his card. It was not clear that this purchase took more points than the actual value we can otherwise redeem them for, and also did not alert him that the amount " redeemed '' wouldn't count towards earning new points on the purchase. This is basically stealing rewards from the account in two ways and I never opted into it. I was told by the Citi representative that there was no way to remove this option from an account. 

What Citi is doing is tricking people into using their rewards for less than the promised value. I know that {$2.00} is an incredibly small amount, but this is just one example of probably thousands of transactions every day. Citi is using this new " feature '' to steal value from rewards they promised to their customers, giving us less value and not even giving us a way to opt out and avoid being confused by prompts when checking out at a store.

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 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Please see previous complaint and response. I am not going away. I want the name of the person at Bank of America who continues to commit fraud by accessing my account without my consent. I plan on bringing a lawsuit. This is not difficult. Just pretend I am white and go from there.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I closed my kickoff account because I was paying it an it was saying it wasnt getting paid so it was bring down my credit so I closed it with the company because it was false and its not showing closed it still being down my credit but not letting me in the account to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I took my XXXX to XXXX for a diagnostic they did not do so as I have their software and diagnostic tools as they sell it to the public. They didnt test out my XXXX or get the proper estimate they tried to make it a XXXX job when it simply a sensor that their own software was able to detect and my other mechanic was able to fix it

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recently signed up for Amex XXXX XXXX everyday credit card. As the advertisement on the Amex page displays, this card offers 0 APR for 15 months on purchases. Upon applying for this card, a few days after, I received the actual card in my mail. However, the promo code was not applied to my credit card, and instead, they charge the interest rates from the day of opening. This is a very misleading and potential scheme to benefit this company, which is unfair to the potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told XXXX, Transunion and XXXX to reinvestigate these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case

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 2023-05-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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