vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
-I had XXXX reward points with American express XXXX Points were obtained through credit cardrewards with many credit cards, then combined together. 
-I closed most credit cards, except for XXXX that didn't charge a yearly fee. 
XXXX XXXX my remaining credit card due to inactivity in XX/XX/XXXX, however I did not receive notification. I also did not agree to close the account.I found out the card was closed on XX/XX/XXXX. 
-Amex then took away all reward points I had in my account. Again I did not receive notification, and I did not agree with them taking away my reward points. 
-I tried to contact Amex on XX/XX/XXXX, but they claim they have not done anything wrong, and are not able to reinstate my reward points. 
-I disagree with their decision. Those XXXX points are worth about {$1500.00} cash back. I did not agree to for them to be forfeited, and I did not agree to close the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX : learned that my checking account was overdrawn due to inadvertently making XXXX credit card payments to the same card in XXXX month. 
After speaking with a representative from Chase, they advised to not do anything. When the demand for payment shows insufficient funds in the checking account, it will go back to Chase and you will be able to pay the amount the following month when the funds are available. And DO NOT TRANSFER FUNDS FROM ANOTHER INSTITUTION TO ACCOUNT FOR THE SHORT FALL. 
XXXX. Learned that checking account was overdrawn again due to Chase again requesting payment. On XX/XX/XXXX the Chase Rep said nothing regarding Chase sending a second payment request. This week, there were several checks sent out to various merchants, my assumption being that Chase was not going to make a second attempt for payment. The result, several overdrafts, due to insufficient funds. I again contacted Chase, regarding this matter and was once again informed to let the checks bounce, because transferring funds into our checking account would confuse their system. 
I am seeking reimbursement for overdraft fees, resulting from following the Chase Representatives advice. Also Im concerned regarding how the merchants will view my ability to pay their statements in the future due to the overdrafts, additionally how this may impact my credit score going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : 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 2022-11-10 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a notice from a bank called Comenity Bank stating that I applied for a credit card. I have not done any applications with this bank nor heard anything about the bank. The letter states that I did an online application with that bank. The letter was dated was XX/XX/2022. It states that I applied for XXXX XXXX XXXX XXXX 
I called the bank and they stated that they would delete the application. I do see a hard inquiry on my credit report that I need to be cleared. This is a fraudulent request and the bank agrees with that fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX, Equifax ) violated my rights. 
Under 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo permanently canceled my account for no clear apparent reason. Not having a venom account is affecting my personal business and I received no explanation from the company as to why my account was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: PA

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-11-10 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: PA

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paycheck deposited Saturday XX/XX/21. 
All funds were available in account on Tuesday, XX/XX/21. On Wednesday XX/XX/21 the funds were withdrawn by bank from account because " they received a notice that the account the check was from might have insufficient funds. '' They will not attempt to collect again until XX/XX/21. Until then, they keep charging overdraft fees for all transactions made while funds were available during the times XXXX. 
Upon contacting the bank the check was from, the funds had already been withdrawn. No one knows where the money is now, and my account is over {$800.00} overdrawn.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have reached out to Chase bank in hopes to have the bank look into a XXXX payment that was sent to a parking company that did not provide me the service we agreed on. The bank took no action and no investigation with the merchants bank and deemed that no refund would be returned. I urge the bank to investigate further and see all the complaints against the parking company. The {$130.00} XXXX that I transferred to the XXXX XXXX XXXX XXXX should be returned as they did not hold up their side of our agreement and refuse to communicate with me. I have filed reports against them through the XXXX XXXX XXXX  and through the parking association time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 BANK XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX C XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes 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 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 2022-11-10 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time of my absence Someone stole my personal information and begin to use my credit cards and banking account. I notify JP Morgan Chase Bank about the fraudulent transactions on the slate and freedom credit cards. I was informed that both accounts were closed due to nonpayment in late XXXX early XXXX. I inform CHASE fraud department that any transactions on the accounts at that time we're not my own and ask for the account to be reopen and place at the balance it was before I left. As of, XXXX, there has been no action taken on either account only negative reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: DC

Complaint narrative:
I received an email for a collection of a debt that was NOT mine ( I have NEVER had ANY loan, mortage, credit card, NOR I have ever been married ) to the person the collector is trying to get in touch with. My affiliation to this person is over 10yrs. 

The XXXX representative was dismissive, and could not provide information with how my email was obtained for correspondence for this debt. The representative hung up on the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: GA

Complaint narrative:
While review my credit report I noticed a few fraudulent inquiries and need them remove as soon as possible It is XXXX XXXX XXXXnquiry XX/XX/2022 XXXX XXXX  inquiry XX/XX/2022 XXXXXXXX XXXX Inquiry XX/XX/2022 XXXXXXXX XXXX Inquiry XX/XX/20XXXX 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please be advised that you are reporting the wrong Previous Addresse, see proof of address enclosed. Equifax is not compliant according to the FCRA Metro 2 reporting laws and are in violation. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I've sent a letter out stating that the debt that their trying to collect is not mines. This company has emailed me today on XX/XX/2022 trying to collect an debt that has been agreed to closed. All three of my credit bureaus have removed the fraudulent debt. I have proof of harassment in my email and fraud account HUNTER WARFIELD CREATED WITHOUT MY PERMISSION. I have proof of identity theft and {$1000.00} per violation due to hurting credit score and fraudulent activities as far as sharing my information to another agency. Wrongfully putting an fake signature that isn't mines on a lease that XXXX XXXX XXXX did not agreed to. The amount was {$6300.00} to {$6400.00}. No one called me or said anything about this debt which is illegal because I didn't agree to pay. I've requested who was the original creditor, original contract and no response. I've gave them more than 30days to respond and no response. Failure to respond, failure to validate the debt. U.S.C. 15. Improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA act. I've also seen on one of the documents I've sent, you can see where they force my signature on a lease which is illegal. I've never signed a lease or read one or ever agreed to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX and on XX/XX/XXXX TransUnion reported that i had a missed payment from XXXX XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXXXXXX XXXX has sent the proof that i never received any late payment but its still on my credit report.

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 2022-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
I called to request a refund on payments made during the interest-free forbearance period. They said they dont do that. They said there loans dont qualify for this. Is this true, they are a federal loan company, they are the New Mexico Student Loans. I also always wondered how my original loan was {$38000.00} but I have paid over {$74000.00} with a 6.250 % interest. I would like to know if this is true can they deny giving us the refund???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
TRUIST BANK, which " inherited '' my checking account from BBT, has been violating clients ' rights for a long time. This is not my first complaint, and they refused to negotiate with anyone to solve the past one. 

The issue now is that TRUIST BANK IS REFUSING TO RESPECT MY LEGAL RIGHT OF CLOSING MY ACCOUNT. 

They got in touch once ( in the transition from BBT, they eliminated ALL METHODS of written communication, which I really know to be illegal, since I have hyperacusis and do not use the phone ). They were disrespectful and starting threatening to demand my full attention and compliance. This is just too surreal for me to comprehend - how can a bank be allowed to function here when it simply violates ALL their clients ' rights? 

My first request from you is whether you can make them obey the law and close my account. 

My second question is what will happen if I just transfer all the funds, leaving it with {$5.00} only. In one month, the account will be delinquent ( maintenance fee ). They will try to collect. Doesn't that configure EXTORTION? If so, how are things done in the US? In the other countries I lived in, that's when you file a report with the POLICE, because it is a crime. 

It is also a crime ( a misdemeanor ) to refuse to allow a client close their account. 

I don't know what to do, and I got in touch with other customers. They report the same issues and they are all trying to close their accounts. 

I will be waiting for your instructions. You have my permission to use any means to force this quasi-criminal organization to follow the law. 

yours, 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 explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : 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