vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: FISERV FINXACT CORE
State: IL

Complaint narrative:
I ordered from XXXX on XX/XX/2023 - the amount was {$68.00}. I han another order from XXXX on XX/XX/2023 - the amount was {$160.00}. Both orders were paid from my checking account via Telecheck. 

I was double charged for both orders : My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 

My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 

My bank sent back {$68.00} and {$160.00} because of the double charge, NOT INSUFFICIENT FUNDS! Two days later I get an email from a collection agency TRS Recovery Services, XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX. XXXX has locked my account, unable to place orders, until I send money in the above amounts to the collection agency. I was required to send my bank statement to the collection agency for a " 30 day review ''. I filled out the form, sent the information and nothing has happened. 

I contacted XXXX- they said I did not pay my bill. 

The whole issue is a Telecheck XXXX XXXX. TRS Recovery 's client is Telecheck. I believe this is all an invented scam to fraudulently force me to send them money that I do not owe. 

I also am concerned Telecheck and TRS Recovery will send fraudulent information to the credit bureaus as another way to extort money. FRAUD!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
i have disputed the inquiries with Transunion several times. these are not my 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 2023-06-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I took advantage of a credit card advertisement for the Chase Freedom Unlimited card because I am doing some property improvements, and they advertised great points and no interest for 15 months. I applied and opened an account in XX/XX/2023. 

A few weeks later, I received a strange letter in the mail ( nothing was posted online ) about verifying my SSN. I thought it might be a scam. I called in late XXXX and spoke to a customer service person ( first to ask to reverse late charges b/c I missed my first automatic payment by a few days ) and asked her about the state of my account. She assured me that there was not any information missing, and that my account was in good standing. She actually stated that the letter I receive must have been a scam. 

I then actually accidentally paid off the entire amount of my account in early XXXX ( I meant to just pay the minimum ), and shortly after that, I received a message that my account was closed. I called customer service again and was informed that my account was apparently closed because Chase needed some information that I did not send. I asked if I could re-open it because I wanted to use the card and did not want my credit dinged again b/c they should not have closed my account. I also explained what the previous customer service agent told me. I asked to speak to a supervisor who then told me that she was re-sending the form and could re-open the account if I faxed it back. I have never received the form she supposedly was sending at the end of last month. 

I contacted customer service again today and was told that my account was closed and I could re-submit an application, but that they would check my credit again. This is not acceptable. 

I would like to have this credit card, and I should not have to have another ding on my credit to re-open the account. This company is engaging in unfair and unethical business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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:
Experian has purposely on a continued basis reported illegal information on my account that has negatively effected my account and my life. I have not given permission to any credit bureau to report any of my information and according to the 15 USC 6802 B I have that right. A collection from XXXX was reported as delinquent which is illegal. My balance on my car balance increased and that dropped my points down by XXXX. My car note is not late nor is there a reason why it was reported with an increased balance but I have not given permission to be reported. There were two fraudulent accounts reported on my account and my credit took a XXXX point plunge. I disputed those accounts because they werent mine and should have never been reported, when the items were removed my points only increased by XXXX points.. Something is not right and I am sure it is the credit reporting agency. Also, my credit scores are at least similar on both XXXX and XXXX but experian is reporting XXXX points less on their end.

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 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have submitted a formal dispute in writing, whereby Portfolio Recovery Associates ( PRA ) has ignored my request to validate the alleged debt, and instead forwarded the dispute to XXXX XXXX from whom they purchased the alleged debt. This is unacceptable! 

I am writing to address the potential false information that Portfolio Recovery Associates , LLC has reported in my credit report, despite my previous attempts to rectify this matter. The potential inaccurate item has not been removed, which if found to be inaccurate, is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

It has come to my attention that Portfolio Recovery Associates , LLC purchased an alleged debt on my behalf from XXXX XXXX XXXX, absolving me of any obligation or responsibility in regards to the alleged debt. To further prove my case, there exists no contractual agreement between myself and Portfolio Recovery Associates. I want to emphasize that I have never entered into any financial agreement or contract with Portfolio Recovery Associates , LLC and therefore, the claim of {$430.00} lacks any valid basis or legal documentation. 

I demand that Portfolio Recovery Associates provide concrete evidence, which is the actual accounting and signed agreement between myself and Portfolio Recovery Associates that validates my obligation of the alleged debt of {$430.00}. A credit card statement is not evidence of any obligation I have to Portfolio Recovery Associates. 

If such information can not be validated, I hereby demand the information be removed from my credit report. I also demand written confirmation of the removal of said items from my credit report. 

Under the provisions of the FCRA, I am entitled to take further legal action if Portfolio Recovery Associates , LLC fails to comply with its obligations. This includes, but is not limited to pursuing litigation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for the unlawful reporting of false information and refusal to correct the inaccurate item. 

I will hold Portfolio Recovery Associates responsible for any resulting damages, including costs associated with legal representation, loss of opportunities, and additional financial distress caused by the companies ' actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and NCA {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I ordered a visa debt card with Bank of America and I tried to tell them that I want a design in my name only but they tell me no you can't because a family member has to get it as well I tried to tell them she does not want it she likes the default card I like to use the XXXX XXXX XXXX and they still never fixed my issue

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have problems with how they manage their time of crediting and charging my account The dates and times are inconsistent, I have paid hundreds of dollars in fees, including overdraft fees.

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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear, SANTANDER CONSUMER USA I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both SANTANDER CONSUMER USA AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. SANTANDER CONSUMER USA is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX/ XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In the past six months I have received notices, after the fact and reported information sent to my credit reporting agency that my credit usage on my credit cards ( 3 ) to be exact were lowered. Aside from that, the interest rates are increasing to no end. This is unconscionable and unacceptable. I have been a long time consumer with no late payments and always paid more than the minimum due. They had no right to lower my credit line when they are being paid on the due date on a timely basis. Then they increased my interest rate without any notification whatsoever. They are nickel and diming me and this has become a problem. How is anyone supposed to keep their credit score and obtain credit when they notify the credit reporting agency of these issues as well as increase the interest and minimum due. Something needs to be done about this! This can not go on forever and it isn't the first time as you can see from my prior complaints. Whats the purpose of this when you, the CFPB, find this acceptable.

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 2023-06-06 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I did not give Quality Acceptance the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

Quality Acceptance is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with Quality Acceptance ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and XXXX who are allowing Quality Acceptance to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
My previous claim XXXX, against creditor USAA was erroneously closed based on USAA making a false statement to CFPB. USAA represented to CFPB that I did not provide the requested front and back of state issued photo identification. Not only did I send the requested front and bank of my state issued identification, but also sent copies of my passport and social security card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX. I anticipated this happening, I'm not sure WHY the CFPB would take the word of the ECOA and FCRA violator without any conformation from the complainant, baffling. Nonetheless, I have attach all supporting documents to prove the validity of USAA declaration that I did not comply with USAA 's request. On XX/XX/2023 @ XXXX, I received a call from XXXX XXXX XXXX XXXX  of USAA and informed her explicitly I would not discuss my complaint with her and she should use the channel the formal complaint was filed with for any response. I then followed up with a XXXX page word document faxed to XXXX, acknowledging her introduction call and not discussing the complaint in any capacity. Those documents are also included with this complaint. At the time of my application my income was {$100000.00}, I've since started my own XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MRS BPO, LLC
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and XXXX {$520.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief