vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I bought a visa vanilla gift card at XXXX pharmacy in XXXX XXXX XXXX some of the numbers were missing and the bar had a scratch through it which made it un usable. I contacted them in XX/XX/2023 they said I would have a replacement within 30 days. that never happened I contacted them again in early XX/XX/2023 they said they were sending another replacement and wait 30 days. Never received it. I contacted them every month they still have not send me a card there is over {$200.00} on it and they are holding my money hostage. The company is Incomm Please help me it has been over 6 months i send questions to their email and only get a message back thanking me for submitting my documents but I didn't submit documents I was asking questions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Credit Card Acquisitions Group
State: IL

Complaint narrative:
XX/XX/2023. Foster and Monroe added a collection in the amount of {$1700.00} to my XXXX credit report. I am not liable for {$1700.00} debt with XXXX XXXX, I do not have a contract with FOSTER AND MONROE LLC, they did not provide me with the original contract as I requested. I contacted XXXX and XXXX, but they refuse to remove it from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by Chase Bank. Specifically, I have been reported as delinquent by Chase Bank, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by Chase Bank, as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy.

Furthermore, per 15 USC 1666b, a creditor such as Chase Bank is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by Chase Bank 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchase items from Amazon XXXX and make payments to Chase Bank using an Amazon XXXX XXXX XXXX online. For the past three months when going online to make a payment to Chase Bank. I saw that all of my primary bank accounts and the last four digits of my account numbers were posted on Chase Bank 's Website without my authorization. I want to know how Chase Bank received my accounts from my primary bank. I thought it was illegal for one bank to transfer a customer 's private bank account to another bank. I did talk to my primary bank and they told me they did not forward my account information to Chase Bank. I have not spoken to Chase Bank because I want CFPB to see it so that it does not happen again. In the past, Chase has been sending me emails telling me that I can be rewarded if I open a checking account with Chase Bank. However, I'm not interested in a checking account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: VA

Complaint narrative:
This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. 

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. 

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, 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 2024-01-25 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:
This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. 

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. 

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX on XXXX in regards to debt owed with Easy Cash approximately taken XXXX. The person that called me was XXXX XXXX at XXXX regarding making payment otherwise the case would go to court. On XXXX I requested a validation letter from her. I was emailed the information via XXXX from a XXXX XXXX XXXX on XXXX. Which when you open the XXXX it states that this has been signed. There was no information to click on if I agree or how to dispute. There are several red flags with this company website XXXX - is generic. Their letter head has an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that goes to a postal annex. XXXX XXXX voice mail does not state a company. On XXXX at XXXXXXXX XXXX XXXX I contacted Easy pay at XXXX. They said the account was transferred to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They gave me their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to them, and they are sending a validation letter via mail XXXX XXXX called again today XXXX to see how I wanted to move forward. I told her I had talked to Easycash and they referred me to XXXX, and XXXX PA. I then told her I would be working with them and to ceast and desist. But then she called me back and said she was not sure why they had sent the collection to another attorney when they are supposed to handle. She also told me to be careful. At this point I just want to know who legitimate and what information is correct. I want to validate that this is a true debt and to whom is to be paid so that this can be resolved before I get taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There is an issue with a transaction on my Amex Platinum ending XXXX that I have brought to American Express ' attention several times, most recent being on XX/XX/2024. The transaction is {$3700.00} charge from XXXX and reference is XXXX. I have made it clear to American Express that the charge is unauthorized, made with someone else 's XXXX account with my card details accidentally saved on a former employer 's PC. Luckily whatever order was made ( I think, since I don't have receipt from XXXX and they do not work with me since I am not the account owner or purchaser ) was delivered to my address ( although under wrong name ) and I was able to return the whole thing to XXXX, which I have also demonstrated to American Express and they've even acknowledged the fact that I did indeed return the goods. Regardless of the issues, Amex has been unwilling to fix the issue and they keep calling me that more information is required, but whenever I call back ( XXXX ext XXXX ), nobody picks up the phone even though it is during normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AL

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
Received notification from RSI Enterprises , Inc. ( XXXX ) XXXX www.rsico.com/consumer/ for a debt owed to XXXX XXXX XXXX XXXX for account number XXXX in my name : XXXX XXXX in the amount of {$130.00} from date of XXXX This debt is NOT my debt and I have no idea what this is for and why are they sending me this debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Ask for a 1099-c form. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
A company sent me XXXX to my PayPal account and it has been pending since XX/XX/2024 I asked PayPal why this is pending and they said it's because it was sent by e check and that it has to go from their bank to the federal reserve and then to paypal and it can take 7 to 10 business days. The XXXX was taken out of this business account on XX/XX/2024. I have called paypal everyday since the XXXX of XX/XX/2024 and I keep getting told the.same.thing ... that it can take 7 to.10 business days. I called the Federal reserve today XX/XX/2024 and was told that it takes them 2 business days to do what they need to do. So that means that my money should have been available on the XXXX or XXXX at the latest. Paypal is stating that it won't be released until the XXXX of XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood Inc informed me by email on XX/XX/2024 that Robinhood Inc had unilaterally updated their Customer Relationship Summary. I do not agree to the updates they have made. I have tried to contact the company however they do not provide customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
My 15+ year checking account with ETrade ( now Morgan Stanley ) was locked without explanation. Upon calling I was told that I needed to provide identification and paystubs. These were provided and the account still remained locked. I called again, spoke to a woman by the name of XXXX XXXX who told me the account was locked in error and that we should have never had to produce the additional documentation. During the time the account was locked, a vendor payment and student loan payment from our checking account was rejected by Morgan Stanley, incurring a bounced check fee from the vendor ( which Morgan Stanley did reimburse ), however, the student loan company considered the bounced payment a " missed '' payment and moved the fixed rate loan to a much higher and floating rate. The number of payments on the loan went up from XXXX to XXXX, equating to {$2600.00} in additional fees that we will have to pay over the term of the loan because Morgan Stanley 's self-admitted error. They have declined to cover any of this new interest expense resulting from their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and I am a business man and these errors are effecting my ability to properly run my business.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My monthly credit card payment to Bank of America 's office in XXXX, Texas seemed to get lost in the mail. I had my bank- XXXX XXXX  XXXX stop payment on the two checks I had mailed to Bank Of America and issued two new checks that did make it to BOA. My account is now paid off in full. But suddenly out of the blue the original two checks I asked XXXX XXXX  to stop payment on were processed causing an account credit of {$1800.00}. I can not reach a live person at BOA to get a refund and my bank charged me for stopping payment on the original two checks but still processed those checks when they turned up late. So, I am paid up but want a refund from BOA for the double payment. But, trying to get live person at BOA to assist me has not been possible. Herding cats and communicating with the dead is easier that communicating with BOA! I just want my refund!

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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. Account name : # XXXX  XXXX XXXX, Account number : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX XXXX  XXXX XXXX, Credit Report : # XXXX, Credit Report : # 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 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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