vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the night of XX/XX/XXXX, we discovered that our phone had no signal. We immediately tried to log into our bank account and found that our password and account had been changed by someone else! Since it was late at night and we couldn't go to the bank, we contacted the customer service of the bank over the phone to have our account frozen. The next day, on XX/XX/XXXX, we went to the bank to inquire about the situation. It turned out that someone had changed our information over the phone and even changed the address to the thief 's address! On that day, we went to the counter to change our information back. The bank staff assured us that our account was now secure. 

However, on XX/XX/XXXX and XXXX, the thief made two transfers online, XXXX for XXXX and the other for XXXX, to an account with the name XXXX and ending in XXXX. The thief also transferred money from that account to a company credit card ending in XXXX for repayment ( the credit limit of the XXXX XXXX XXXX XXXX credit card was already maxed out, which can be verified by the bank ). We felt that the bank 's security system was clearly compromised and requested the bank staff to provide us with information to report to the police, but they refused and assured us that the stolen money would be returned. On XX/XX/XXXX, the bank temporarily credited us with XXXX and XXXX. Due to concerns about personal information leakage, we closed the company account with the remaining balance. 

In XXXX, we received a letter from the bank requesting repayment of the XXXX. We immediately contacted the bank staff at the counter, who checked our account and confirmed that the balance was XXXX, advising us not to worry. However, on XX/XX/2024, we received another reminder from the bank to repay the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are a numerous amount of accounts, and inquiries on my reports that I never applied for or given any authorization to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are a numerous amount of accounts, and inquiries on my reports that I never applied for or given any authorization to do so.

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 2024-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Equifax and XXXX are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To date, I have received notice from PayPal 's consumer credit services that they are implementing a {$1.00} per month junk fee to provide paper bills to customers. This fee has not yet posted to my next billing cycle ; however, given the power that credit service providers have over credit reporting, and the control they have over the access to and format of electronic billing, customers should be entitled to receive paper bills as a consumer protection without being charged a fee.

I am submitting this complaint in part for the practice itself as far as PayPal is concerned but additionally as this action comes right before the FTC ruling regarding prohibition of junk fees so that the information might potentially be included in that decision making process.

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 2024-03-23 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: 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.

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 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 explanation
Consumer complaint received 2024-03-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I

recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages. Thank you for prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have XXXX calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I had the loan however the interest was so high that I felt as if I was going to take longer than advertised to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tried to get my home refinanced, and found out that these accounts were on my credit reports. I've never did business with any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Marlette Funding, LLC
State: CT

Complaint narrative:
A few weeks ago I received an email offer from best egg, for a pre approval of {$3500.00} and 0 % apr introductory rate for the first year. Since I am trying to lower my dependency on credit cards I signed up, thinking that I would transfer my credit card balances and just work on paying them all off. After I applied. I get an email saying that I only got approved for {$1000.00}. I figured I would go ahead and take it because something is better than nothing and its still a 0 % APR introductory rate for a year and I would just move over credit. Then two days before the credit card came in the mail and says the 0 % APR is only good toward purchases and not balance transfers or cash withdrawals. Well thats game over I dont want the card should not be on my report and I feel its false marketing? And canceled my card before activating it but I do not want to sell my report. They got me to agree for a credit check under false pretenses and then change the terms of the card and just not fair life is hard enough especially when youre on XXXX XXXX XXXXXXXX, or a income. I need help getting out of debt. I dont need more restraints to remain in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
THIS PERSON IS NOT BOND OR LICENSED TO COLLECT IN MY STATE. IS REQUESTING FUNDS FROM 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 2024-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
MERCEDES BENZ FINANCIAL HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I was trying to buy a chess set from a XXXX company called XXXX XXXX back in XXXX of XXXX. They don't take credit card or XXXX XXXX payments so the only other forms available was a money transfer through WISE. I had set up to have the money transferred over ( {$600.00} ) and WISE said that it was completed so i reached out to XXXX XXXX to see how long it would take. They said 8-10 days. After 10 days they still haven't shipped and they would take up to weeks to respond to me attempts at emailing them. When they would respond they would make up excuses about having it ready to be shipped out during the week, but I still haven't recieved a tracking number or confirmation of shipment. I try to go through WISE to see if they can resolve this dispute and they intentionally make it difficult on their website about making disputes or filing a claim against transactions. So I reached out to my financial institution at XXXX to do a charge back against them at the beginning of XXXX. Now, XXXX weeks in, I suddenly get a notification from XXXX XXXX  that WISE has responded to my claim so I check my wise transaction and it showed that they just sent my payment " again ''. And I had reached out to XXXX XXXX and its been over two weeks since they last responded to an email. They also keep making up new excuses on why an item won't ship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor XXXX XXXX XXXX XXXX XXXXXXXX and the debt collection agency, Sunrise Cred. I have no business dealings that include a contract with my signature to either party. Both parties have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX fraudulently charged my credit card 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 monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I made a deposit on XXXX for an order from one of their participating companies.. 

The company did not produce the goods in the agreed upon time fame and insisted on a dircet Wire Transfer for the full amount claiming they would refund the Credit Card Deposit. 

I reported the Wire Transfer demands to XXXX and they refused to assist even though a Wire Transfer ouside of the XXXX site violates there terms and they warn agianst it. 

I then filed a Chargeback Request through Chase, my credit card company and they refused the chargeback saying " While you may have a valid complaint ... the transactions are valid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Tried to get my home refinanced, and found out that these accounts were on my credit reports. I've never did business with any of these companies.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried to get my home refinanced, and found out that these accounts were on my credit reports. I've never did business with any of these companies.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Subject : Complaint Against Fortiva Regarding Unauthorized Reopening of Account Dear Federal Trade Commission, I am writing to file a formal complaint against Fortiva, regarding their unauthorized reopening of my account despite explicit instructions to close it. On XXXX, I contacted Fortiva to request the closure of my account due to fraudulent opening up a credit card in my name without my knowledge. The representative assured me that the account would be closed promptly, and I received verbal confirmation of the closure during the call. Additionally, I followed up with written instructions via email as per their requirements. 

To my dismay, I received an email notification from Fortiva on XXXX, indicating that my account had been reopened. This action was taken without my consent or authorization. Disturbed by this development, I immediately contacted Fortiva again to address the matter. During this subsequent call, I reiterated my request for the closure of the account and expressed my dissatisfaction with their disregard for my initial instructions. 

Furthermore, I possess recordings of both phone conversations as evidence of my communication with Fortiva representatives. These recordings clearly demonstrate my explicit instruction to close the account and the acknowledgment from their representatives. 

The unauthorized reopening of my account by Fortiva not only violates my explicit instructions but also raises serious concerns about their adherence to consumer protection regulations. This incident has caused inconvenience, frustration, and potential security risks as my personal information remains accessible through an account that I explicitly wished to terminate. 

I urge the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against Fortiva for their negligent and potentially unlawful actions. Additionally, I request assistance in ensuring the permanent closure of my account with Fortiva to prevent any further unauthorized access or actions. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation necessary for your investigation. 

Sincerly, XXXX XXXX

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 2024-03-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I do not recognize this report on my credit report. It is a fraudulent account that I do not own.

Company response to consumer: Closed with explanation