vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
( XXXX XXXX XXXX ) I applied for a balance transfer of {$6300.00} from American Express to XXXX XXXXXXXX XXXX for the 0 % APR for 21 months. I submitted the application on my phone. Unbeknownst to me, XXXXXXXX XXXX XXXX automatically entered a VIRTUAL NUMBER for my saved American Express  card . XXXX XXXX XXXXXXXX notified me that the transfer can take up to 6 WEEKS. Sometime in XXXX, I called XXXX XXXX XXXXXXXX, they said " It went though. Just give it some more time ''. 

The transfer was approved. I activated my XXXX XXXX  XXXX card. On XX/XX/2023, I noticed an auto-payment of {$220.00} hits my bank account. My full balance of {$6300.00} was still sitting at American Express. I call XXXX XXXX XXXXXXXX again ; we came to the realization that the money went to a number I don't recognize. They thought it could possibly be fraud. I called Amex they said, " No, that's a VIRTUAL CARD NUMBER. You can't transfer money to a virtual card number. You need to call XXXX XXXX XXXXXXXX to transfer the money to the correct account ''. I called XXXX XXXXXXXX XXXX, they say, " this happens more time than you can think. We'll reject that application and resubmit. Give it 6 WEEKS. You can track everything on the online account ''. 

On XX/XX/2023, I logged in to my XXXX XXXX XXXXXXXX online account. I can't see any activity as far as my Balance Transfer. At XXXXXXXX XXXX, I called XXXX XXXX XXXXXXXX. They only see the transfer in XXXX. They say, " I've never heard of a virtual card. You need to call Amex. They haven't sent the money back, it's there. All they have to do is transfer the money from the virtual card to the physical card. They can do that. If they are giving you the run around, have them to call us ''. At XXXX, I called Amex , " Is there a way you can transfer funds from my virtual card to physical card? ". Amex agent says, " We can't see a virtual card on our end, that is only for your eyes. It is for security purposes. You can do it online, because it is for you ''. 

I try to gain access to said virtual card, I can not find it. 

I had a conference call with an Amex agent and a XXXX  agent at XXXXXXXX XXXX. The XXXX agent said- '' I see, in XXXX, there was an appeal to receive that money back to re-apply it to the correct account. Give it 30-60 days ''. 

As a result of this botched balance transfer, I owe both XXXX XXXX XXXXXXXX {$6300.00} and American Express {$6300.00} PLUS the accumulated interests since i can not afford to make payments on two cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, consent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2023-09-11 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: Incomm Holdings Inc.
State: OR

Complaint narrative:
I bought a Vanilla Visa Gift Card on XX/XX/23. I activated my card an hour later. I was unable to use it anywhere online. I call Vanilla, they say give it 24 hours. I did. It still does not work. I called again and they said they would send me a check. I call, no check has been sent. They have me send pictures of the card front and back, the envelope it came in, receipt and sub receipt. Today I call they want my ID or current bill. I send it. They say they haven't gotten it. I have filed claims with them and XXXX where I bought the card. They lied to XXXX and said I tried to make reoccurring payments. I did not! I tried to pay a bill online, I tried buying on XXXX etc. and everyplace I tried to used the card it was declined! It also can't be used at restaurants, gas stations, hair salons, and the list goes on. I keep getting the run around. I want my money back that I put on the card and what I paid for the card, it's useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Procollect Services LLC
State: ND

Complaint narrative:
I disputed my debt and per their paperwork it says they must send a verification of debt. I never received verification letter. I have received a summons for it without the verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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:
recently my information has been stolen and these are fraud reports.

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 2023-09-11 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:
recently my information has been stolen and these are fraud reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was contacted by what a I thought was Paypal about a charge by a hacker of a payment of {$1200.00} that was made on my Paypal account. I did not have a Paypal account, but Paypal told me that the hacker had creacted one in my name. I was sent to a page to claim a refund and this page contained the bank information to for the refund. This is where Paypal ( the real hacker ) to withdraw {$27000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : XXXX. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
This is about an issue I'm having with certegy payment solutions. They are a company that makes recommendations about whether a consumer 's credit worthy or if it would be risky to allow a check to be cashed. I have been having the same problem for several years now. I am not allowed to cash a check at XXXX because of risk factors. XXXX provides a receipt with a transaction number and other particulars and says to call Certegy to find out why. When i call Certegy, Certegy apologizes and says they have no negative information on me. So why did XXXX deny me cashing a check? They can't answer that. They are evasive and speak in vague terms. They were talking in circles. And the icing on the cake? Today after being on the phone for over an hour, the supervisor pretended she couldn't hear me and hung up on me. So I immediately decided to file this complaint. 

This is my life. My money. Why can't I get a straight answer from them?

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 2023-09-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
North Carolina deed of relief by and between XXXX XXXX  note Holder. Who only released the property to 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I received a 1099-C releasing me from the dept on a vehicle but the XXXX credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from Ford Motor Credit Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NM

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 non-monetary relief
Consumer complaint received 2023-09-11 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: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-09-11 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: WI

Complaint narrative:
I applied for an auto loan at XXXX XXXX XXXX and was denied because Expedian is still showing a bankruptcy open from XXXX, when I completed my chapter XXXX that as filed in XXXX. 
There can not be 2 bankruptcy open at the same Time. Due to this incorrect information I was not able to be approved. 

I tried to login my account With Experian and the wrong email address of is used as my option to reset it. 
I spent 2 days 10 hours trying to get to a live person, and not able to purchase a car because of the Inaccuracies on my credit report and the inability to login.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank have restricted me from my debit card and i no longer have access to view any of my accounts, notices, letters or statements. I have several refunds and credits going into those accounts, and I need to be made aware if they will be shipping those funds to me through mail or not. This has been nothing but trouble and frustration dealing with this bank. They have charged me over {$600.00} in overdraft fees which I have had to call in and complain about because they post transactions late intentionally to incur these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAP ONE NA Bank XXXX XXXX XX/XX/XXXX XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE NA XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: MD

Complaint narrative:
XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX XXXX  from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed 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 non-monetary relief
Consumer complaint received 2023-09-12 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: CA

Complaint narrative:
This account states date opened XX/XX/XXXX No data provided for this account in since XXXX of XXXX to XXXX of XXXX. 

THEN ALL OF A SUDDEN OUT OF NO WHERE STATES THIS ACCOUNT IS IN COLLECTION OF XX/XX/XXXX. 

THIS ACCOUNT IS OUT BY TIME XX/XX/XXXX IS THE 7 YEAR DROP OFF MARK. 

IN ADDITION, THIS IS NOT MY ACCOUNT! 

PROOF MY ACCOUNT PROOF STATUS OF ACCOUNT PROOF WHY THIS ACCOUNT ISN'T DROPPED OFF AFTER 7 YEARS OF BEING ON CREDIT REPORT.

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