vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Someone hacked into my account on XX/XX/XXXX and reversed payments I made for my car loans and my apartment.I filed a claim for the fraudulent transactions but the bank denied it. Afterwards, my paycheck was directly deposited into my account, my wife also deposited her paycheck into our joint account.I contacted chase bank customer service and requested that they should deduct XXXX dollars from my checking account and transfer the money to the following merchants so that they don't come back to repossess my vehicles.XXXX XXXX {$490.00}, XXXX XXXX  {$490.00}, XXXX XXXX XXXX XXXX {$400.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$490.00} On XX/XX/XXXX, I contacted the merchants and all of them stated that they didn't receive any payment from the bank.I called Chase Bank multiple times and they insisted that they remitted the above amount of money to the merchants.I then spoke with Chase XXXX department on XXXX different occasions, some of them told me that they did not pay the merchants and that customer service agents who stated that the merchants were paid did not tell me the truthXXXX department promised to recover my money and send it back into my account, I have been waiting for them to no avail.Some of them also said that they were going to forward the payments to the merchants yet it is all lies, The merchants have not received any payment from Chase, even this evening, I spoke with the merchants and none of them have received any money from Chase Bank..I visited XXXX branches of the bank on different occasions and spoke with the supervisors and bankers, They were all saying differently things which were not adding up.My money is missing, about XXXX dollars and the bank can't give account of it.Please, I will be grateful if you recover my money for me or ask chase bank to remit the money to the merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: 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: CA

Complaint narrative:
XX/XX/2023 I called American Express XXXX times. Each time was after a failed transaction at a different merchant who said that they accepted American Express payments. The card was declined after each merchant attempted to swipe the card at least twice. The places I went to were a XXXX gas station, a local tobacco shop, a XXXX XXXX restaurant, and a XXXX XXXX XXXX XXXX restaurant. 
Each American Express representative that I spoke with stated that the payment was declined for my own protection and to go somewhere else and try using the card. I did. This did not work any of the times. They mentioned to try at a XXXX or XXXX. 

XX/XX/2023 I went to XXXX and tried to purchase a pack of gum for {$4.00}. My gift card balance is currently {$200.00}. The transaction was declined. I called customer service while walking through XXXX with my family and they said to wait XXXX minutes and to try again. Again, they said the reason for the decline was for my own protection against fraud. I waited at least XXXX minutes and tried to make a {$39.00} purchase. The transaction was declined again. 
I went to an XXXX who also accepts American Express and tried paying for my familys dinner. The price was {$45.00}. This transaction was declined. I called customer service and they said the transaction was declined for my own protection and to try at another merchant. 

Finally I called customer service and they gave me the same reasoning. This gift card is virtually worthless and useless and American Express refuses to do anything to help me use the funds that were gifted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My money was stolen from my card I don't know how it who did it but I have seen on internet that this had happen more that once. I bought a XXXX gift card at a XXXX XXXX XXXX XXXX and my card was stolen not physically but somehow it was hacked into and was used all the way in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the first purchase was that a XXXX XXXX XXXX XXXX {$30.00} the second one was for a purchase of {$9.00} now how did this happen I got the card on XX/XX/XXXX and the card was used by XX/XX/XXXX and this gift card I was actually trying to purchase a gift for my friend I contacted the people at the prepaid gift card balance number and for some reason they told me to call back in 10 days and yet even still now there's no resolution for no refund and it's only {$40.00}

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 monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Chexsystems, etc. This has negatively affected the consumers ability to attain credit and services for XXXX family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

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 2023-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management has called me over 15 times everyday for the past month. They have called XXXX XXXX XXXX XXXX XXXX including on weekends. They have been unable to provide proof that a debt is legitimately owed and has continued to call excessively. I am at my wits end from being harassed every single day by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
i have unauthorized credit inquires on my report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the denial of my dispute for fraudulent charges on my XXXX XXXX Card. On XX/XX/2023, I noticed unauthorized charges XXXX XXXX XXXX XXXX on my account. After attempting to contact NFCU XXXX XXXX XXXX XXXX to no avail, I successfully reported these fraudulent transactions to NFCU on the following business day, XX/XX/2023. 
Despite adhering to the timelines and providing all necessary documentation as outlined in NFCU 's Zero Liability Policy Agreement, my dispute was unjustly denied. The Zero Liability policy, as per NFCU 's formal agreement, states, " The Zero Liability policy is our commitment to get your money back, often the same day, when you're a victim of fraud. We'll investigate your fraud claim on your behalf and issue you a provisional credit. '' Similarly, XXXX XXXX  XXXX XXXX policy provides protection for unauthorized transactions and emphasizes the importance of reporting suspected fraud as soon as possible. 
I firmly believe that NFCU 's decision to deny my dispute is in direct violation of the Zero Liability Agreements and applicable consumer protection laws. I kindly request the CFPB 's assistance in reviewing my case and ensuring that NFCU adheres to its obligations under the Zero Liability Agreements and the relevant consumer protection regulations. 

I appreciate your attention to this matter. 

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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:
Hard inquiries not authorize XXXX XXXXXXXX. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A  second hard inquiry occur without my authorization XXXX XXXXXXXX XXXX  using Transunion credit report. 

XXXX XXXX pulled a second hard inquiry XXXX XXXXXX/XX/XXXX. I open a business account XXXX XXXXXX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my Transunion. I have contacted several times XXXX XXXX XXXX to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently started building credit. I HAVE NEVER been LATE on any of my accounts. I submitted a dispute because I seen a fraudulent account on my report that I have never opened on there, and it has a late payment. XXXX XXXX bank XXXX has a 30 day late payment on my report that I NEVER applied for. Every time I submit a dispute transunion sends me a response stating that they received my request but they didn't think it was properly authorized so they didn't take no action. THIS MY FOURTH TIME TRYING TO DISPUTE AND THEY NEVER DO ANYTHING, IM SO TIRED OF THIS!!! WHY EVERYTIME I TRY TO MAIL A DISPUTE TRANSUNION SENDS ME AUTOMATED LETTER WITH THE SAME INFO ON THERE.At this point I feel like my rights as a consumer are being violated.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX  checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.

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 2023-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC has reported a debt in collections to the credit reporting agencies. The debt is a move-out fee from an apartment I have never lived in- I have never even lived in the state they are alleging. The only they have of mine is my name and address ( which is, again, in an entirely different state from where they allege I lived when I incurred this rental debt ). Despite this they are requiring that I waste hours of my time to file a police report, dig up XXXX XXXX XXXX utility bills, file reports with various governmental agencies, provide signed and notarized copies of fraud reports, and other various forms of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
i have unauthorized credit inquires on my report that I did not authorize.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies
State: NC

Complaint narrative:
i have unauthorized credit inquires on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance of the Fair Credit Reporting Act 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  has violated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish an account without my written permission. 

As you can see above even with some of the accounts they show duplicates and the reports are not accurate at all. I am learning more and more about my rights and what can be done to prevent things like this from happening and affecting my credit reports unfairly. I have copies of the inaccuracies and asking you to remove these from my report since they failed to do the right thing. It's not right to be violated in such a way it affects my well-being and how I live and provide for my family.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. 
Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ). 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXXXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company response to consumer: Closed with non-monetary relief