vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: NJ

Complaint narrative:
My information may have been acquired via a data leak and may have gotten into the wrong hands.

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

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 2022-07-31 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: NJ

Complaint narrative:
My information may have been acquired via a data leak and may have gotten into the wrong hands.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One offered me a no fee overdraft which I tried to avail myself of the opportunity on XX/XX/2022. I was denied the overdraft and when I called the bank to find out why, the response I got was that the system processes the " so called overdraft '' and that no live person could override the decision of the system. The first person I spoke to said the overdraft will be between {$100.00} and {$500.00} but to my chagrin, I could not get the least, the {$100.00}. The explanation another person from the bank gave was that no one is guaranteed the overdraft even after being approved. I feel the bank is just luring people to open accounts with them with the overdraft enticement only to deny them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
This is the work from home scam. First, I received a text message on XX/XX/22 regarding a job opportunity as a language and Cultural Specialist. After chat through XXXX - XXXX XXXX, for some questions, they sent an email with a job contract which I signed back. On XX/XX/22, they sent a check attached on email and asked me to print it out and deposit to my bank account. 
That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After confirming the check was in, on XX/XX/22, they instructed to send two payments, {$900.00} each to XXXX using transfer platform XXXX. After I made the transactions on the same day, I accepted my bank to process the payments and the payments have gone through after I realized this is a scam. Per my google research, the check is fake and will be returned to sender. In next 10 days or so, if the check is not legit and returned I literally will loose {$1800.00}. My bank said they can't recover my money sent via XXXX because I have accepted these transactions and nothing can do for the check. The scam company contacted me first on text messaging and asked me to install XXXX XXXX XXXX XXXX app and contacted with rest of the conversation through it. Not single phone conversation was made. There are XXXX people I was contacting with : XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXX Sales Services XXXX XXXX The money I sent through XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, this in reference to complaint numberXXXX 

I believed the matter had been resolved, but I attempted to log into my XXXX savings account yesterday, XX/XX/2022, after the bank temporarilyre-enabled my account, allowing me access to my online account and my funds. 

However, XXXX XXXX has " XXXX '' my account AGAIN without notifying me or explaining whyI can't access my account or my funds. 

Once again, I can not access my account or the remaining balance of {$3000.00} I have in the account. 

I need access to my funds to transfer my money back to the bank of origin and close the XXXX account. I have no interest in ever doing business with this institution again. 

XXXX XXXX should be investigated for abusive consumer practices. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: LA

Complaint narrative:
We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX  that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX  was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
At the beginning of XXXX I called to have both of my vehicles deferred and I was told that I would have to call back to request the deferment on XX/XX/XXXX because my payment wasnt late enough to be approved for deferment. I waited until the XXXX and called back to try the deferments again. I was approved on one within a few days but was denied on my XXXX  XXXX, which I was never notified of denial. I then called back on the XXXX to check the status of the deferment and was told it was denied because the deferment would not cover the balance due, even though it was only 30 days late ( one payment ). I asked how I owed an additional {$500.00} at that point and they said that I had made an agreement to make a payment, which would defeat the purpose of me needing a deferment. I explained that I wouldnt agree to that when the whole reason I was deferring a payment was because I could not pay. I then had to submit another request for deferment for two payments because one of the agents put that in their notes. I still have no resolution and it feels like they are making excuses not to approve this deferment. Very frustrating when just trying to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX, XXXX, Account Number or Identifier XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act convergent these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a XXXX  GIFT CARD from my work for XXXX dollars. I tried to go online and register it using the provided website ( XXXX ) and was given an error message. I found this website to be and act suspiciously as it wouldn't let me login into my account from any different computer I used. After a while, I gave up and called the Customer service number provided on both the website and gift card. I gave my card number to a person who could hardly speak XXXX only for him to mumble that my never-before-used gift card was flagged for misuse and I would need to be issued a new one for no given reason and it would take 7 to 14 days. I was very upset because this seems to be the case for this website/gift card company if you check any review site ie. XXXX. XXXX is a website that never works and it seems like the people running the site keep changing it so that it can not be accessed unless you use an obscure web browser, not like chrome. It is obvious that there is foul play abroad for a gift card company that is available in all major retails.

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 2022-07-31 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts # 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 credit reporting agency Can not furnish a account without my written instruction. 

Accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company MIDLAND CREDIT MANAGEMENT , INC is trying to collect {$810.00} from me for an account they claim I owe. I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Credit Management has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, American Education Services incorrectly reported XXXX of my student loans as defaulted upon, during the pandemic student loan forbearance period. No payments were due during this period, so there was no default assignment warranted. They were then reassigned to a collection agency, XXXX, who advised me of the issue and they've been stuck there since XX/XX/XXXX. I've been told that they are in the process of being assigned to good status, for the last 10 months, but nothing has happened. 

In addition, this default status is on my credit report, impacting my credit score.

I will not be able to qualify for the temporary PSLF waiver until this is rectified, and that due date of XX/XX/XXXX, is rapidly approaching. 

Appreciate your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: LA

Complaint narrative:
I had these inquiries removed from XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all of these were not authorized and therefore had to be removed. Now, Equifax didn't remove any and said they were are factual. Equifax, I believe didn't do any kind of an investigation, If so, they would have seen that these accounts had already been removed by XXXX. To add to that, XXXX been removed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
Accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: GA

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 15 U.S.C. 1681 SECTION 602 A states the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: GA

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 15 U.S.C. 1681 SECTION 602 A states the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation