vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX  XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
My company credit card bill, originally from American Express, has been sent to collections through XXXX XXXX XXXX XXXX and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and COVID testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Someone accessed my account with USAA, with my logging and transferred money to XXXX XXXX customers and I have reported serval times that I have not made the charges. The bank did find that there were phone numbers and emails added to my account that I didnt add or not associated with me. I keep putting a review with the member resolution team and nothing is happening. I want my money back. I have already changed all my login security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-02-22 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: MD

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: AL

Complaint narrative:
United revenue corporation acct. # XXXX balance XXXX. This companie has illegally obtained this debt 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding Citibank XXXX XXXX card ending XXXX XXXX I received a text message from Citi Fraud department regarding a charge for {$690.00} at XXXX XXXX. They asked me did I attempt that charge, I responded - No - I did not. 

XX/XX/XXXX - On my statement that there was XXXX unknown charges XX/XX/XXXX - there was XXXX charges to my account XXXX and XXXX XX/XX/XXXX - there was XXXX credits XXXX and XXXX XX/XX/XXXX - XXXX charge finally went through but I did not make this charge. I have repeatedly disputed this charge. The bank keep on putting the charge back on my account. 

On XX/XX/XXXX, I spoke to a supervisior at Citibank and he reopened the dispute for me. 

XX/XX/XXXX - I received a letter from Citibank stating that I will be charged for XXXX and provided me with the merchant phone number. 

XX/XX/XXXX - I called the merchant XXXX XXXX and spoke with supervisor XXXX, he was extremely cooperative. He stayed on hold while I contacted Citibank for my credit card information. I did not have that on me. I borrowed someone else 's cellphone to call citibank and got XXXX from the fraud department so I managed a XXXX way call on a recorded line. With my permission XXXX provided the XXXX digit account number of my credit card ending in XXXX. With that information XXXX was able to look up information for me. He clarified that a person by the name of XXXX used my credit card to charge for a service to XXXX something on the internet. I indicated that I never gave out my credit card information to anyone and I do not know XXXX. XXXX did not provide me with personal information of XXXX. XXXX told XXXX of Citibank that the money XXXX was already charged back. He also provided the order number for XXXX at Citibank. Before the call ended, the agent from Citibank told me I should be getting a refund or credit on my account. 

XX/XX/XXXX - after my phone call with Citibank on XXXX, I received an email stating that they will investigate my situation. 

XX/XX/XXXX I received a noticed from Citibank that they will still charge me for XXXX. I do not believe they did a thorough investigation. XXXX- the merchant with the retailer is proof that I did not make that charge. 

I am ready for legal action.

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 2023-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
First and foremost I am the original creditor 15 USC 1692 ( XXXX ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent {$110.00} USD to a person using the XXXX app ( similar to XXXX ). 

The person I sent it to did not accept the funds. Thus, the transaction was cancelled. 

Despite that, the funds were withdrawn ( debited ) from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I successfully sent the funds ( XXXX ) ( settled in my bank account on XX/XX/XXXX ). 

I contacted Chase in XXXX, and they said XXXX needed to refund me. 

I contacted XXXX, and they gave me a series of unique identifiers to show they they reversed the transaction, and that the cash should have never been taken from my account. You can find these unique identifiers within the attached. 

Chase recommended I file a dispute. As such, I did so on XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that my dispute was denied. 

I called chase, stating XXXX recently provided a letter ( on company letterhead ) detailing the unique identifiers that show the transaction was reversed, and I should get my cash back. 

Chase told me that I needed to fax in the document. I did so on XX/XX/XXXX. 

I called chase numerous times, including ( but not limited to ) XX/XX/XXXX. On XX/XX/XXXX, they confirmed they received the documentation I submitted. They advised me that I would receive an email and a text after the faxed documents had been reviewed. This can be substantiated through the recordings chase has of our numerous phone conversations prior to XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I called XXXX  to check on the status of the dispute. Both times, agents advised me that the documents I faxed in HAD NOT been received. 

Thus, I am filing a complaint CFPB complaint, as Chase is giving me conflicting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an 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 2023-02-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 I received a call from Chase Bank in regards to my Visa Debit carded. The call came from the Chase Customer Service Department and the caller stated that there appeared to be fraudulent activity on my card. The caller asked me if I had recently authorized purchases to be made in Texas because a purchase at a store was being denied. After I replied no, the caller then stated he also saw a payment of {$9000.00} scheduled for a wire transfer. At this point I asked the caller to identify himself, and to provide me with information that I could verify as being legitimate. The caller identified himself as XXXX XXXX, and then provided me with information from my Debit Card including the CVC code. Additionally, he told me to look at the back of my card to see that the Chase Customer Service number was indeed the number from which he was calling. 
He stated that in order to stop the scheduled payment, I needed to process what was called a reverse transaction and the receiving bank would resend the payment. He provided an account number for the wire at XXXX XXXX  ( XXXX ). Long story short, he walked me through this process and provided the following information for the receiving bank : XXXXXXXX XXXX ( I believe it was in XXXX ) and the name of the bank representative, XXXX XXXX. At this point I told the caller to stay on the line while I drove to Chase Bank to verify. He did and when I arrived at the bank, the customer service representative from Chase asked the caller for his ID number. She also verified that it was indeed Chase 's phone number that he was calling from. When she asked him for his Code number, he hung up and by that time the money was wired. The representative immediately sent me to a Manager who filed a recall wire and the claim number for that is XXXX XXXX. After following up and calling several times, I was sent a message through my " secured message Chase account '' that basically stated the receiving bank stated there was no money in that account. I then tried to contact someone from Chase 's " fraud '' department, but the only communication was via relayed messages. I attempted to make contact today XX/XX/2023 and on three different occasions, the Chase employee disconnected the call after I asked if they had filed an Elderly Senior Financial Fraud/ Exploitation report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX  Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and 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 non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid for a XXXX STORAGE plan. 3 days later when I was saving pictures and music from my phone suddenly I got an issue that I couldn't upload. LONG STORY SHORT - don't loan phones out as OTHER PEOPLE 'S photos in email attachments and from photo links from people get onto YOUR ACCOUNT without your knowledge. I got both XXXX and XXXX extra storage but ONLY XXXX CANCELLED THE ACCOUNT JUST DAYS LATER. They sent me an email. I appealed and stated : RESTORE MY ACCOUNT OR STOP CHARGING ME. First payment : XX/XX/2022 ( {$2.00} ). I tried calling the phone number on the transaction. AUTOMATED. I went on literally every single XXXX support page with my email account and stated that I either need to get the storage I am paying for or they must STOP CHARGING ME. Support online chat- they said I had to cancel by signing onto my account but XXXX disabled it! And CHASE BANK says I have to cancel my debit card! I am XXXX with NO CAR! CHASE refuses to believe that it is their responsibility to stop unauthorized charges when I tell them. I even read the law from this website to them on the phone! I have screenshots of me putting it IN WRITING for XXXX to stop charging me for services not provided and can provide those upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: ID

Complaint narrative:
I was informed that through my Bank something was attempting to purchase items I did not approve of. 

I was told no money would be taken out they just needed a code to submit a claim and stop payment of the purchase. 

They took two payments out totaling roughly {$1700.00}. Because it was done through XXXX my Bank is not supporting me because it was done through a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation