vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
I am coming to you with a complaint I have against XXXX and their willful refusal to comply with the law. They have not only refused to come into compliance after being shown what the law says and being provided legal definitions of the terms used within the law, but they are also being dishonest based off of their previous statements. I have included copies of our correspondence as evidence against them. XXXX is reporting my financial transactions to my consumer report which they are forbidden from doing under the law. Posting when an individual has made a payment is reporting an individuals financial transaction. Posting when or how often a transaction is made violates my right to privacy. Under the law a company can only report if a consumer has an open/closed account, an account is in good/bad standing, if an account has been written/charged off or referred/sold to a third party and who that third party is. They can not report when or how often a financial or any other type of transaction is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, I made a sizeable payment to American Express and I booked upcoming travel, putting the flights on the card. Although I still had room on the card, the sizeable payment should have also more than covered the expense. I wanted points. On XXXX XXXX, the payment was posted. On XXXX XXXX, the flights were posted. The payment I made is not being reflected on my balance, I am now {$69.00} over my limit and have had valid purchases declined because my balance is showing without that payment. I called AmEx on XXXX XXXX, noticing the discrepancy. They agreed that my balance was incorrect and I should have at least {$2100.00} of usable credit. I was instructed to wait 24 hours to see the balance update, but wanted to use the card to book more travel that day so AmEx " fixed '' it right then. It is now the XXXX. The card has reverted back to the overdrawn balance. Things that should easily clear are being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I opened an account with Freeway Funding in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email by chime notifying me that an account was opened in my name. I did not open this account. I called and their company and their website along with their automated system appeared to be very shady. I did not want to disclose any further information to this company due to the lack of security they already show.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with Capital One XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
On XX/XX/XXXX I received a denial letter in the mail after filling out an application on line with American Express Card Company. After reading the terms and conditions on the back I called the underwriter department and asked them to send me in writing that I had gave them written consent to obtain my personal information from a third party company. They failed to acknowledge my request. I also informed them that I had pulled their prospective form along with their XXXX and XXXX filings which they didnt not abide by. I also reiterated that I gave them an application which is an security and in return I required for them to Issue me in exchange a Credit Card. I was transferred to an Manager on duty and was informed that they received my credit score from XXXX XXXX and with that Information I was not approved for a card. I Know that they violated my Consumers Rights along with Trust Indenture Act of 1939 ; Securites Act of 1933 ; Securities Exchange Act of 1934 ; 15 usc 1681, 15 usc 1682.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank has wrongfully restricted my account due to legally changing my name, which is complete and legal, and they have all necessary documents to prove a legal change took place and to verify my identity under the new name. Despite this, they have claimed my social security account doesn't match the name on my account ( it does ), restricted my account and closed my credit card information. They also restricted/closed my accounts nearly a week before the deadline they gave me to resubmit all necessary information ( which I did before the deadline ). It has been weeks, and I am about to submit my documents for a third time in person. Considering changing one 's name is a common situation for many people for many reasons throughout their life, and all three major credit bureaus have clear, specific processes to report a name change specifically for gender identity purposes, not only is this conduct outrageous, it is pathetic and unacceptable that they can't hold themselves to the same standard as the major credit bureaus and simply create a nondisruptive policy for this, or even any process at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX reported a collection debt of {$1100.00}, but I never received a check. It does appear on my XXXX credit report opened date XX/XX/2023, reporting a high balance of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I paid my debt and returned the XXXX equipment and this keep showing up on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: LA

Complaint narrative:
I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Seeing as my information was exposed to the XXXX data breach. I decided to check my credit and turns out there it turns out it was some damages on my report and according to the fair credit reporting act, ( FCRA ) 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian starts the week lying about another complaint by saying there STILL WORKING ON THE ISSUE which is a lie they are stalling

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX XXXX XXXX XXXX  ( the XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my account in the total amount of XXXX USD utilizing BOAs services. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ; ( iii ) whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BOA was in compliance with its own policies and procedures ; ( v ) whether BOA owed duties to myself, what the scope of those duties was, and whether BOA did not uphold those duties ; ( vi ) whether BOAs conduct was unfair ; and ( vii ) whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is legally required to exercise the care and skill of a diligent, prudent banker. In this case, the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, BOA must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
All of the evidence suggests that BOA could have foreseen the fraud, and disregarded even the most obvious dangers in this respect.

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 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
They have called me every single day for years and I have told them to stop. I have had to block their calls to get them to stop harassing me, but I can still see that they attempted to call me. Some calls are happening multiple times a day and once again it is every single day. I have told them about the situation about the debt and they still keep harassing me. The debt had occurred in 2017 and I still am getting harassed. 
The phone number is 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

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 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: IL

Complaint narrative:
SST bought my loan. Originally from XXXX. I never signed into a contract with SST. But I did want to repay XXXX asap. Since they helped me and clearly needed the money back badly. Because they would have no other reason to sell off my 100 % positive history loan to another servicer. 

So I saved up and made an offer to SST : Accept near full lump sum payment ( Payment in full, only waiving some interest off the end for not spacing it out in many payments. ) in exchange for marking my account positively as " closed/paid in full ''. 

SST agreed to my offer terms. Accepted payment. But then horribly failed to deliver. Marking my account as " closed/paid in settlement '' instead of " closed/paid in full '' as agreed. 

SST posted to XXXX, XXXX, and XXXX at a minimum posted negatively against our agreement. SST withdrew 2 additional payments from my bank account. Each time causing overdrafts because I did not agree to and did not plan money being stolen against our agreement. 

I did not consent to my loan being transferred to a shady, lying, and stealing company. I did not and would not consent to a brand new account with only 1 month ( short/damaging ) history posted to my credit accounts. 

I did and absolutely would not send a large lump sum complete repayment waiving only partial interest in exchange to be slandered negatively. 

Since SST has not honored the terms of our agreement I am requesting an immediate l refund of my lump sum payment amount in full. I am also requesting they delete their tradeline from anywhere posted. 

Please immediately launch a deep investigation of and shut down this scary, shady, lying, and stealing illegal scam operation. With XXXX review ratings of only XXXX, XXXX  unaccredited, we can easily confirm SST has a consistent pattern of malicious illegality against consumers. Upset they're suddenly hit with fraudulent activity by SST. 

My 3 part proposal is simple : Return my payment, delete tradeline, and no further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/23 I filed and Identity Theft and Police Report informing the credit bureaus of fraudulent activity on my credit reports. There is still one ( XXXX ) fraudulent account that has not beem removed.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

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 2024-01-22 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: AZ

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief