vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account is passed the statute of limitations for Georgia which is 4 years. This account is 7 years past delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: CA

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 U.S.C 1681. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I initiated a transfer on XX/XX/XXXX. My bank deposited the money into Chime on XX/XX/XXXX. Chime withheld the funds through XX/XX/XXXX, well beyond the maximum 5 day limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This is in regards to my Costco Citi Card. My wife has made every payment on time from XXXX until our last 2 billing cycles. Normally she uses the app on the phone with no problem, but then it stopped allowing her to log in. The 1st time, I was able to make a late payment and had late fee waived and created a new log in. The same thing happened again with the new log in, saying it was not correct info. I called and spoke to Citi service and tried to see what the issue was. They told me that the log-in we always used was removed due to inactivity, but it was how all our prior payments had been made without a problem. Even though they deleted my online login account and caused 2 payments for 2 successive bills to be late, they will not remove 2nd late fee or the hit to my credit as well as reducing our credit limit. This was caused by them, but we are the ones getting hurt.

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 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover, one of the nation 's largest lenders, is improperly restricting how loan funds can be used. When extending all non-credit-card products ( including Discover Home Loans, home-equity loans, and Discover Personal Loans, unsecured loans ), Discover explicitly states that the loan proceeds can not be used to pay off existing Discover credit card balances. This restriction appears to violate several laws, including the Equal Credit Opportunity Act ( ECOA ) which prohibits discrimination, the Federal Trade Commission XXXX which prohibits unfair or deceptive practices, and potentially antitrust laws by limiting competition. As a consumer, I should have the right to use my loan funds to pay off my debts as I see fit, regardless of whether the debt is owed to the same lender providing the loan. Discover 's policy unfairly limits my options as a borrower and appears designed to keep borrowers locked into higher-interest credit card debt. 

This is particularly worrisome given Discover 's market power, and the XX/XX/2024 planned consolidation of XXXX XXXX and Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: VA

Complaint narrative:
XXXX XXXX XXXX Bank has abused consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: AZ

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 informationisinaccurate.

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 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This account is passed the statute of limitations for Georgia which is 4 years. This account is 7 years past delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
They keep closing my accounts without talking to me via phone or in a local branch. I had a women that is a under cover agent I used to date and didnt know giving enlisted XXXX individuals my info and bank account where they were logging in online and XXXX  my money to herself and others my XXXX XXXXXXXX payments from XXXX XXXX XXXX XXXX  the trying to close my XXXX account down. I need a investigation and compensation over XXXXXXXX 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 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CIG FINANCIAL LLC
State: KY

Complaint narrative:
i did not authorize anyone from this company to check my credit or run a credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
So the debt is on paypal and my friend that I know said that he is going to send some money through XXXX and I didnt know how much it was and it was XXXX and he told to put it into cashapp and send it to him but the XXXX wasnt from him it was from another person and the. The person said to send thier money back but I didnt have the money and they charged back and I dont have the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im being denied to make a payment a payment on my credit card. Fifth Third Bank has been placed a hold on my account which causing an issue with me payments online or through customer service. I have no way of making a payment on the balance owed. They informed me to go to the branch and submit a check but I dont have checks to my payment checking account. When I asked to close the account since I cant use it or make any payments to remove the hold they refused to do so. How can I use a card that I cant make payments too?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Need copies of all initial applications, as to FCRA section 609 ( c ) requirements. Also sending the documentation showing the actions they have taken to protect my personal information as per Gramm-Leach -Billy Act. Status of each account and documents showing they were neither gifted nor abandoned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: William D. Meeker Enterprises, Inc.
State: DE

Complaint narrative:
I seen a hard inquiry today on credit karma and email. I didn't apply for any loans it's say some CIC MORTGAGE.i don't know who they are why they run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute the reinsertion of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. XXXX  This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

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 2024-06-22 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: CA

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 U.S.C 1681. XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681. ( 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 2024-06-22 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: CA

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 U.S.C 1681. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
8 late fee charges of {$35.00}

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 explanation
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. My personal nformation has been used to obtain goods and services. I contacted Transunion and told them that this inquiries are fradulent and provided proof, even though they told me this inquiries were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) 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 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing this complaint because there is a debt collection tradeline in my consumer reports. I have not received any notice of information regarding this alleged debt which is in fact a statutory violation of the FDCPA. I am uploading a notice of debt validation to ensure compliance from the collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In late XXXX, a person called Chase Bank pretending to be me. They asked for a replacement debit card to be sent to an address not associated with my account, a vacant house and hour away from where I live. This person also asked for the pic code to be delivered to that same address. Once this person got this card and code, they charged over {$1000.00} over two days. I saw these charges and cancelled the card immediately and told Chase that I did not ask for a card and I have never heard of this card 's account number. I made police reports to two departments and provided all of this information to Chase. Chase will not refund my money, even though it was Chase who sent out the fraudulent debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX my wife and I were going through our gift cards, and found XXXX {$100.00} XXXX  gift cards. The cards said they needed to be activated online to be used, but the website wouldn't work. When we called in the number on the back, we were told we'd need to upload our drivers license to a sketchy online website ( XXXX XXXX XXXX  ) in order for them to send us new cards ; however, when I researched them online it sounds like this is a situation rife with potential for identity theft. ( See XXXX XXXX XXXX ). Additionally, they request a copy of the receipt on the website ( but didn't on the phone ), which we don't have at this point in time, but we opened the packaging ourselves today ( XX/XX/XXXX ), so we know that they weren't already used. 

Additionally, when we called in the issue to their hotline, we had to give the card number over the phone twice ; once to an automated system, and once to a human. This practice seems sketchy as well, as the human could just steal the card info.

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 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint because the debt buyer MIDLAND CREDIT MANAGEMENT INC is coercing the payment of an alleged debt by issuing warning to sue over an alleged debt that has not been validated as of XX/XX/2024. I have not received enough information regarding the alleged debt. Coerce- persuade ( an unwilling person ) to do something by using force or threats. 
" They were coerced into silence '' persuade obtain ( something ) by using force or threats. 
" Their confessions were allegedly coerced by torture ''. The company violated my rights under the FDCPA per 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Section 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person, 15 USC 1692 ( 4 ) ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action, 1692e ( 10 ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has me on legal track as if they are counting down in an attempt to pressure me to pay an unvalidated debt. I want to highlight per 15 USC 1692i ( b ) legal action by debt collectors ( b ) Authorization of actions " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
i did not authorize anyone from this company to check my credit or run a credit check 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 2024-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I took out private student loans from Sallie Mae from approximately XXXX. Because of the monthly payments once out of school, I would go into forbearance for XXXX year at a time. When I would come out of forbearance, interest only accumulated each time, so I would continue to do the forbearance option year after year. My loans have now snowballed. There was even many periods where I would do the income driven payment plans, so have paid tens of thousands of dollars back already. My balance today is around {$110000.00} at XXXX, where I believe Navient hold the loans, which previous to Navient I believewas Sallie Mae. I did consolidate federal and private loans all together with XXXX in 2021, but it has done nothing but hurt me and limit my options. I honestly need this entire balance XXXX and out of my life. It is ruining my life. Continuing to send me $ XXXX {$10000.00} checks without having to show proof of what the funds are needed for from XXXX while only XXXX years old is criminal and predatory.

Company response to consumer: Closed with explanation