vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
Constant calls of harassment after I have advised them to stop calling me. I asked them to revise my account they refused. I purchased some articles from a store around {$2000.00} in price paid down the loan to less than {$700.00} was contacted by the company and they advised that I owed the amount of {$2800.00}. The amount owed is more than what was purchased and the amount owed has not even subtracted the money paid into the products bought. They contacted me and advised I can pay the {$2800.00} or pay a settlement of {$800.00}. I said the settlement is actually more than what I actually owed with all the payments that was made to this account this company is abusing the credit system charging customer XXXX XXXX in interest and even when the account is closed they will continue to add interest and fees onto the account which is against the fair credit lending act to the consumer. Please investigate this company for predatory lending practices. Harassing their customers by constant calling without the customers approval knowledge or consent. There are more than XXXX accounts this company has been manipulating the fair lending act and not abiding by the laws that they know they have been not following by continuing to engage in predatory lending practices of calling their customers more than once sometimes XXXX or XXXX times a day. Engaging in constant calling when they were advised to stop calling me. I tried to settle the account only to be told if I did not pay today I would be called again. I advised them to stop this and they advised they will continue to call me. They have already advised me and yet they still call and harass me. Therefore violating the fair credit act that they are not abiding by failure to follow fair credit laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: NM

Complaint narrative:
I have contacted Chime bank on several occasions since XX/XX/22 in regards to them closing my account and issuing my remaining funds, the most recent interactions being today XX/XX/22. Chime has given me no straight answers and refuses to release my funds to me, but also refuses to give me a real reason for the closing of my account. I can not wait XXXX days or more for my funds, I am a single mother to XXXX young children and need my money for food & other lively expenses. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: DISCOVER BANK
State: CA

Complaint narrative:
My card was used by someone who was not me for multiple fraudulent charges by a company called XXXX or XXXX XXXX. I contacted DISCOVER card to point out the multiple fraudulent charges made over & over in different small amounts by a company I have never heard of. My card had been stolen from my car & I was unaware but DISCOVER card wouldnt resolve my claim even after I provided them a written out summary of charges I made VS. the summary of charges that I did not make that all show the name XXXX & a transaction type of merchandise. On XXXX there are multiple claims you can easily find showing that this company XXXX has fraudulently charged multiple other people in the thousands. I require assistance in resolving this issue since DISCOVER card is unwilling to further review this claim fairly & is punishing me for charges that I did not myself make or authorize in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Ive been trying to use my Bluebird debit card for 2 days but they arent allowing me access to my funds. Theyre saying I exceeded my yearly spending limits. A manger from Bluebird itemized every transaction and it came {$20000.00} short from my yearly limit since XX/XX/1922. Ive spend 15 hours with them on the phone with no resolve. They refuse to show me the math of how, according to Bluebird, the limits were exceeded. But their own agent and I actually went line my line and added it up. Its no where near exceeding limits. They are holding my funds and will not allow me to access them. The only money uploaded to this card is for direct deposit, so if I havent deposited XXXX then how can I spend $ XXXX? They ae holding the income I use to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
We initiated a wire transfer from XXXX at Goldman Sachs online savings account. They wired the money to an entirely different bank with a different routing number, despite admitting, we gave them all the correct information. However, it took XXXX days for them to find the money and recall the funds. In the meantime, we had been hung up on by many customer service agents and nobody would tell us where our {$330000.00} went. We needed that money to close on a new home we purchased and as a result of being late on closing we ended up owing the sellers {$600.00} in rent back fees. Goldman Sachs refuses to give us more than {$100.00} in XXXX credit. And they wont tell us how this banking error happened in the first place. It was incredibly stressful for myself and my husband, as well as the sellers of the home we purchased and all of our real estate agents in title company personal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: NV

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

Account name : XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account Number : XXXX XXXX  XXXX  Account XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2022-10-10 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: NV

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

Account name : XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account NumberXXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2022-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: MS

Complaint narrative:
I was contacted by a company saying they are representing XXXX XXXX I have never gotten a bill from this company they still want to call me with no verification of debt no paper work just harassing calls for money with no verification of debt they are collecting. The company was told to stop calling they continue to call knowing they have been advised to stop calling this is harassment and not business you have never sent verification of debt nor proofing who you are that you have a right to call you have been told on numerous occasions to stop calling but yet you continue to call and state you will call again when you were advised to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: AZ

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

Account name : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was victim of a fraud in my housing search. 

It all began on XX/XX/XXXX when I saw a post on a XXXX group of an apartment. The announcing profile was XXXX XXXX and she sent some nice pictures of a property located in XXXX XXXX XXXX ( XXXX XXXX ), XXXX NY. Everything seemed organized and we agreed to a price for rent and deposit. I asked for some support documents that were sent and I finally transferred {$1400.00} on XX/XX/XXXX. Today the person asked for an additional transfer and it seemed suspicious to me so I asked for a property certificate which was sent but it looks like a fraud. 

This is the XXXX account I transferred money to : XXXX, via the Bank of America XXXX. 

I transferred the money and filed a complaint with Bank of America, but there answer was that the money had already been accepted by the recipient. The bank did not take any positive action to request XXXX to cancel the fraudulent account.

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 2022-10-10 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: CA

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

*BankruptcyXXXX  Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights privacy, and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For some reason XXXXXXXX XXXX  has been on my report since XXXX or XXXXTHIS IS NOT MY ACCOUNT AND IS REPORTED AS FRAUD BUT Equifax continually puts it in collect for the 8 years. 
A ) I have attempted to contact Equifax but it goes in circles I can not get in touch with a live person.I also noticed the creditor or collection agency lied and stated it was placed in XXXX???? Why this was not caught by Equifax with their expert monitoring is beyond me. I want this removed immediately. 
B ) XXXX XXXXXXXX is also another Fraud Account, I sent letters stating those charges were not authorized by me that were made to XXXX???? XXXX also sent a letter stating the charges were unauthorized. Those are not my charges and I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
I got a debt collection hit on my credit report on XX/XX/22 for {$330.00}. Original creditor is XXXX XXXX. I try calling Credit Management LP about the collection and was told they couldn't help me dispute the collection since Minnesota is one the state they can't help. Issue is I don't have an account with XXXX XXXX. Never did. I never receive any mail, phone calls or email about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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 2022-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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 2022-10-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX 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