vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I was promised an investment of $ XXXX for my start up. The scammers, located in XXXX, made me send money to XXXX with the excuse that I had to pay fees to transfer that big amount into my US account. I never received the $ XXXX and the scammers always had a new reason to ask me for more money. After my account with moneygram got blocked due to many transfers in a short period of time, a representative told me I could delete my account and create a new one with the same email address and phone number. I did as suggested and kept sending money until one day I stopped. The transactions were the following : date of trans : XX/XX/23 amount : {$960.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1300.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1100.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: OK

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX, Ok sent the payoff check for {$13000.00} by XXXX XXXX ( tracking number XXXX ). It was received by Flagship on XX/XX/XXXX at XXXXXXXX XXXX. XXXX XXXX said that the check cleared their bank in XX/XX/XXXX. I received a call on XX/XX/XXXX and was told I needed to make a payment and that they had not received the payoff check yet. I paid {$310.00} on the XXXX However, I called several times beginning the first week of XXXX when the payoff was not showing on my account. I was told I needed to provide the tracking number ( which I did ) and was told I needed to provide proof that the check was cashed. This was sent to them directly by XXXX XXXX. 

As of today, they payoff has not been applied to my account. 

I would like the account to reflect that I have paid off the car and the interest backdated to the XXXX when they received the check. I would like any overage amount returned to me.

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 2023-07-14 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: LEXISNEXIS
State: AL

Complaint narrative:
Lexis Nexis engaged in abusive FCRA tactics by refusing to remove a inaccurate account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: PA

Complaint narrative:
Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices.

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 2023-07-14 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: PA

Complaint narrative:
Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices.

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 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA

Complaint narrative:
i checked my credit. And saw a collection. notice from BERLIN-WHEELER-KS View Account Details Account owner Individual Account Date reported XX/XX/2023 Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/2023 and i have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I did not open these accounts please remove

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 2023-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance in XXXX Texas contacted me for a settlement on a loan. I paid the amount and got the confirmation number. Then it went into collection anyway with the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had two accounts fraudulently opened with BoA in my name. When I contacted them to inform them I did not open the accounts and had nothing to do with any transactions, they had me send them a bunch of documents to confirm the fraud. I sent the documentation on XX/XX/23 and have received no updates since then. I want these accounts closed.

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 2023-07-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have contacted Chase Bank multiple times to inquire about what my interest rate has doubled in the past year. I also requested dates for when my account was reviewed. I have A1 credit there is noway my interest should be 28 %. 

No one can explain anything and when I request a immediate review of my account the customer representative and next level management cant be of assistance either. 

They a intentionally being vague with information pertaining to my account .I want them to be transparent with my account. And I want my account to be reviewed for a lower interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX Chime had locked my account for unusual activity, my acting balance at that point was {$32000.00}. I did all the necessary paperwork and showed proof of my transactions and that the money was from my tax refund. I had sent in the files through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Mezu, Inc
State: CA

Complaint narrative:
XX/XX/2023 I added XXXX to my XXXX XXXX XX/XX/2023 I wanted to transfer {$140.00} to my XXXX XXXX from XXXX and it was declined XX/XX/2023 I tried again with a different amount {$140.00} and it declined. 

XX/XX/2023 I Called the card services and they took the block off and said I could use it again to transfer. 

XX/XX/2023 I tried to transfer again to XXXX XXXX from XXXX and it declined XX/XX/2023 I call the card service again and now theyre telling me that my card has been deactivated!!!! 

I need my money now!!! Everything I tried to do is in my name so I dont know why I would have problems transferring any money to my accounts that have my name all over them!!!! Nobody has helped me with this and I just want and need my money. The card support service just tells me the same thing and thats to go on the website and email support so they can help. I dont have time for waiting anymore. Ive had trouble with this XXXX by XXXX XXXX XXXX the very first day I opened an account. Theyre horrible service an Ill never recommend them. Oh and this isnt the end of it, I cant get into the app now all of the sudden!!! XXXX this company 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
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was just surprised that Chase bank charged me XXXX XXXX XXXX overdraft fees of {$34.00} each when I checked my account online. This bank doesn't care about their customer and they only want the money. Charging fees whenever they want to. This is ridiculous! No consideration at all. 

Also they haven't fixed my previous issue about my credit card limit increase which is an unfair practice considering I've done everything they told me to be eligible for the increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2023 I followed up with a banker at JP Morgan Chase who contacted me prior in hopes of my company accepting a credit card the business. I was informed that I could receive up to three credit cards offering different benefits. I decided to come into the branch and complete the proceed the application. After the submission I was denied, per Equal opportunity credit act : This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. Also, 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am demanding correction of the application status from denied to approval with the credit limit of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Hello, I took out a title loan from Title Max in XXXX, TX. The loan was XX/XX/2022 for {$5600.00}. When the agent pushed through my application I noticed he doubled my income from the paystubs I provided. When I questioned this, he said " no worries that doesn't matter '' I have paid almost triple the amount of this loan, about XXXX dollars a month and not 1 penny has been lowered from the principle. I am fearful I will lose my car. I have tried to call multiple times and speak with management and the only thing they tell me is that if my payment isnt received after the 10 day grace period or period they do not charge a late fee they will move to repo my car. I am willing to make arrangement 's to pay this off and do not want anyhting for free. I was never told by this company or the loan officer that this was a 30 day loan and I would have to renew it every month. As I understood and was explained to me the monthly payment go towards your principal like a instalment loan. This is a nightmare and I need help, this loan is never ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CA

Complaint narrative:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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