vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I received a debit card in the mail for a Discover card, based on a newly opened account. I didn't open the account and knew instantly it was fraud. This has happened to me before with other banks. I called their contact number from the website. I spoke to two different people, a credit person and a debit person. I finally managed to get some details. It was opened on XX/XX/22 ( roughly a week ago ). It has no balance and does not appear to have any transaction history. They told me to call their fraud line to close the account and report it as fraudulent. I called their fraud line many times. Their fraud line hung up on me twice. The first time they hung up on me, I waited for 40 minutes. The second time they hung up on me was after 3 hours and 2 minutes! The bank is as bad as the fraudsters. They have made it easier for criminals to rip people off people like me and repeatedly hang up on victims. I had the phone on speaker and the entire family heard them hang up. We were all equally upset, since it was on the entire afternoon. I rearranged my entire schedule just to report the fraud. The account is still opened. The criminal fraud is ongoing. The bank doesn't seem to care and I can't stop it. Discover sucks. They have one of the worst fraud departments in the industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: DISCOVER BANK
State: FL

Complaint narrative:
CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with XXXXederal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

Discover Bank and all the Credit Reporting Agencies XXXX, XXXX, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, Discover Bank will be sued in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

XXXX  Bank and all the Credit Reporting Agencies XXXX, TransUnion, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in 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
Consumer complaint received 2022-06-23 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:
CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law. 
XXXX Bank and all the Credit Reporting Agencies XXXX, XXXX, Equifax are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX both my wallets were stolen out of my car and retrieved by the local Police Department on XX/XX/XXXX. I was able to get all my credit cards back from the evidence dept on XX/XX/XXXX. I called XXXX XXXX to replace all my cards, but I didn't do it for the rest of my cards from different credit card companies. Months went by until XX/XX/XXXX when I realized someone had used my Chase card and that's exactly when I called it in for fraudulent charges. The charges for {$6300.00} were credited only to be billed back on XX/XX/XXXX. 

I called Chase Fraud Department either on XX/XX/XXXX or XXXX and received a call back on XX/XX/XXXX. They stated that all my charges on my card were valid and that I am responsible for the charges. They closed the fraud claim and assured that this claim was researched thoroughly. 

The fraudulent charges were made roughly XXXX miles away where I work at the XXXX XXXX daily from XXXX XXXX  to XXXX XXXX. I submitted journal entries as part of my job as a notary public for California to show that I have to be physically present in front of a customer to offer the notary service. I also submitted delivery invoice that I have to sign whenever a vendor driver delivers supplies to the store. The other submission that I have are print outs of tracking number of packages that we received in our store that were signed by me. 

I can submit more proof that I was not present and my card was not inserted when all these charges occurred. I have the card in question still originally sealed from the Police Department. I might be wrong but I don't think any credit card reader can read chip with plastic covering the whole card. I notified Chase immediately within the 60 days when the error appeared on my statement. 

Chase insisted that most of the charges were chip transactions that can't be fraud. I strongly believe these charges ( transaction date from XX/XX/XXXX - XX/XX/XXXX ) are unauthorized. I can't possibly be in two different locations XXXX miles away physically at the same time. If there's only one card, I have it in my possession the whole time with the original seal from the police department. Chase claimed the charges were chip transactions. This mean someone was able to duplicate/ skim the card and use it without my permission. I am not responsible for these fraudulent charges. I will pay for the charges occurred from XX/XX/XXXX through XX/XX/XXXX transaction date because these are my purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  ( Centennial Bank ) stopped external transfers the week before a scheduled transfer and did not cancel my recurring transfer causing my other account at XXXX XXXX  to be debited {$200.00} and never showing up in my happy account nor being credited back to my XXXX account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: TN

Complaint narrative:
I have been disputing three accounts on my credit file since XXXX of XXXX, I have requested that the credit bureaus Experian, XXXX, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I changed my billing address to my new home and since, this company has tormented my life. For the past 5 weeks, this company has declined purchases, made me go through more than 20 security verifications, theyve embarrassed me at multiple stores by declining purchases after they confirm on the phone that my card is clear to use.

I have had to call in more than 30 times to clear my name and the company continues to give me problems. My credit score has remained very good, the account has been kept in excellent standing, and Ive had this card for more then 5 years.

The representatives have challenged my purchases saying you dont normally spend this much, and at times they have mocked me.

In the past month of problems, I have been promised six times that leadership/management would open a case and call me to help resolve but they have only called me once this past week and apologized, but since that call, they have entirely blocked access to my account stating its a security issue. 
This company has taken advantage of my good credit and time.

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 2022-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: IL

Complaint narrative:
Failed deposit attempts amounting between $ XXXX on following dates : XXXX, XXXX, XXXX Failed withdrawal amount of total available balance of {$13000.00}, initiated on XX/XX/XXXX, still in pending status as of XX/XX/XXXX ( advertised as 2-3 business days max ) Only action available is complaints/inquiries thru text. Only responses provided are simple acknowledgements, i.e. we are looking in to this, currently XXXX consecutive un-answered texts from Albert XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
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 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 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 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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nj XXXX This company sends me letters and documents every week threatening to send me to jail if I don't pay them a debt I don't owe them. One time they sent me to court but they couldn't do anything because they couldn't prove that I owed them something. Every day I am stressed and afraid because every week they send a letter threatening to send me to jail if I don't pay them, and I have proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
An online scammer scammed me out of {$24000.00} from a wire transfer from Navy federal & {$500.00} from navy federsl XXXX account ive been trying so hard to get my retirement money refunded. i sent Navy federal all screenshots and correspondence from this scammer the bank where it was sent to XXXX XXXX said i would have to see my bank NFCU ive even went as far as not only going to my local police ive put in tiredsely calling these banks where the wires were taken from again my bank has the last say to return my funds .. im XXXX XXXX XXXX and need my funds returned and these scammers caught i did put in with IC3.gov & FTC.gov Im just tired of trying and getting know where.. i have all the proof of the scammers or scammer.. i need your help Please sincerely 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed numerous complaints with Equifax that the information on my mortgage was incorrect. I have a mortgage thru XXXX since XXXXEquifax stated that the bank XXXX with my mortgage gave them the info., but XXXX states Equifax did not contact them or they would have explained that in XX/XX/2020 I filed a interest rate refinance and that all payments were on hold during this time. I have a FHA Mortgage and it was 4 months until it was completed. Equifax showed this as missed payments. Equifax did not contact XXXX for verification, but I did. This seems to be a problem with Equifax when I declined to purchase there credit reporting. They took my credit score and dropped it XXXX points when my score should have went up, not down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 # XXXXhas violated my righs.

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.

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 non-monetary relief
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 violated my righs. 

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.

please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. 
I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with ambit energy, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.

Company response to consumer: Closed with explanation