vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am having issues regarding interest fees and late charges that has been applied to my credit card store account from ROOMS TO GO/SYNCHRONY ; As I was checking over my payment history, I noticed that I was being charged interest fees despite the fact that I was under the impression that a promotional offer stating " no interest '' until XX/XX/XXXX. Also the first payment of XX/XX/XXXX until present ; I have been charged a late fee of XXXX dollars to currently they are charging late fees of XXXX dollars. I believe this situation may be in violation of the terms advertised at the time of my account opening. As a consumer, it is crucial for me to have clarity regarding the agreements made by my credit card issuer. I would appreciate your assistance in investigating this matter ;

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 2024-08-16 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: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for Jefferson Capital to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went to my bank to deposit a tax refund check that I've received from the irs which is internal revenue services. That was XX/XX/year> and then on XX/XX/XXXX the check had been cashed by jp morgan chase bank. Then they put a restriction on my account when the funds was ready they said when the check is verified by the irs then they will release the hold of my funds. But yet they didn't do that they closed my account without reasoning saying that they no longer can do business with me without any reasoning. I never had an account with this bank until this year so I dont see what the problem is. Also I've contacted the irs about this issue they said that the check is good and clear I shouldn't be having any of these issues they even told me that they will send proof that they check has been cashed by the bank. The bank claims that they sent the check back to the irs but the irs said they never requested for the check to be sent back. They were also trying to figure out if they check wasn't variable how was it cashed. So the irs then sent out proof documents that the check was cashed and that chase cashed the check. So once I've received the documents I then went bank to the bank and I had the irs agent on the phone as well because we are trying to figure out where is my check or the funds. XX/XX/year> I went into the branch with these documents to let them know that they did cash my check and also the agent wanted to know how they verified the check which email they used to verify but they didnt want to inclose any of that information i just want my check back or they need to release my funds this has something to do with discrimination because of my XXXX XXXXXXXX I can't be owed a certain about of money this is crazy to me these banks just stealing people money and nothing is being done about it but this situation here something needs to be done i have bills and debt to pay just like everyone else they shouldn't be holding my funds and then close the account and dont are cant send any evidence of what there doing thats a violation to EFTA and thats why I'm filing this complaint today enough is enough. jp morgan bank and other banks already been sued already because of situations like this and then I asked for the corporate number they told me they dont have the number I have to wait til somebody reach out to me with is XXXX excuse my language but I am furious this is now XXXX and this issue has not been resolved ASAP and everyone there need to lose their job. Even the lady that was helping me saying that was wrong she just work here and this issue is above her and her pay rate which means she couldnt't help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: VA

Complaint narrative:
I have already filed a complaint with the XXXX credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On the date of XX/XX/XXXX, I transferred a amount of {$7700.00}, from my XXXX XXXX account, to my citizens bank account.. 
I wanted to invest my savings into my cryptocurrency account. Shortly after Conducting a Wire Transfer to my own cryptocurrency account with XXXX I couldnt access my account I contacted the Citizens bank immediately and was told I could go to my local branch and read my funds that were still in the account..when I went to the local branch.. I was told by the teller and bank manager that I could receive any funds from a closed account and they didnt have any other information to give me at that time. Citizens closed my account on XX/XX/2024 with out any reason, and I still have not received a cashier check with the remaining funds nor have I been able to have any success at any citizens bank branch in my local area.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Doxo, Inc.
State: MN

Complaint narrative:
Doxo XXXX paid XXXX XXXX XXXX XXXX in CA {$200.00} using my credit card for a bill on an Account thay was not mine. I live in XXXX  and have not been to XXXX  for any XXXX XXXX. My bank filed a fraud claim, and resolved the issue returning the funds to my account. Now Doxo XXXX XXXX turned me into collections with XXXX XXXX because the can not get their funds back for the payment they made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX XXXX XXXX-manager was suppose refund half of the amount paid ( refund {$130.00} ). The hotel was in shambles. Under construction. There was no parking. No place load and undload your luggage from the car. Spoke with XXXX on XX/XX/XXXX and said he would take care of it. Called Capital One on XX/XX/XXXX and XX/XX/XXXX and said it was taken care of, to get the refund of {$130.00}. Email form XXXX to Capital One was sent. Never received the refund from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 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: CT

Complaint narrative:
Subject : Urgent : Resolution Request Regarding Unauthorized Account and Credit Reporting Issues Dear Consumer Financial Protection Bureau, I am writing to formally address a significant issue with XXXX XXXX XXXX  that has persisted despite my numerous efforts to resolve it. 

On XX/XX/XXXX, I discovered an unauthorized account in my name with XXXX XXXX XXXX. Subsequently, on XX/XX/XXXX, I contacted XXXX XXXX XXXX  and spoke with a supervisor. During this conversation, I clarified that I had neither authorized the creation of this account nor provided any documentation or verbal consent for XXXX XXXX XXXX  to access my Social Security number. The representative assured me that the account would be removed and that it would be reflected as such on my credit report. 

However, as of XX/XX/XXXX, the unauthorized account remained on my credit report. I reached out to XXXX XXXX XXXX  again, emphasizing the urgency of removing the account from my credit report. 

On XX/XX/XXXX, XXXX XXXX XXXX  responded, acknowledging my prior communication from XX/XX/XXXX, and confirming that the account would be removed from my credit report by XX/XX/XXXX. Despite this acknowledgment, I requested documentation to verify that XXXX XXXX XXXX  had contacted all three major credit bureaus to ensure the accounts removal. 

Unfortunately, on XX/XX/XXXX, XXXX XXXX XXXX  responded without providing the requested proof of communication with the credit bureaus. Furthermore, subsequent requests for documentation made on XX/XX/XXXX, and XX/XX/XXXX, were met with no response from XXXX XXXX XXXX. 

I have since contacted all three credit bureaus directly, and they have no record of the account being investigated or removed. The absence of my signature or any authorization for XXXX XXXX XXXX  to access my Social Security number or credit report has caused me significant emotional and financial distress. 

XXXX XXXX XXXXXXXX XXXX repeated violations of consumer protection laws, their erroneous assertion that a spouse or family member can add individuals to an account without consent, and their failure to adhere to regulatory requirements highlight a disregard for legal standards. 

I respectfully request your assistance in addressing this matter to ensure that XXXX XXXX XXXX  complies with all applicable consumer protection laws and that my credit report is corrected accordingly. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LA

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. 

XXXX Account # XXXX, has violated my rights -XXXXXXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX # XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX, has violated my rights -XXXX XXXX # XXXX, has violated my rights -XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2024-08-16 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: LA

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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LA

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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
I found frivolous items on my credit report that do not belong to 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 non-monetary relief
Consumer complaint received 2024-08-16 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:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.

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 2024-08-16 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:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: ME

Complaint narrative:
1st Issue : I called the CashApp support phone number ( ( XXXX ) XXXX ) and spoke with a gentleman regarding a transaction for my debit card that was declined when I had funds to cover the charge in the account. I asked him why this happened in an attempt to ensure it wouldnt happen again he told me that, I had " exceeded the limits for the week on using the card ''. When I asked him what the limit was again to ensure the same mistake didnt happen again. He told me that " he didnt know and couldnt tell from his end ''. I asked to speak with a supervisor or someone who would have more information on this, and he refused to transfer me ; that there was no one that would know the answer. I asked him to provide me with the terms of CashApp and use of the cash app debit card. He said that he did not have access to that and could not send that to me. After this interaction he also went silent and refused to speak with me more because I " kept asking the same question '' .After this interaction I transfered my funds out and decided to close my account. This was on XX/XX/year>. 

2nd issue : Because I received my direct deposit from my payroll company to my cash app account that I had just closed, I submitted a new form to my HR department to exclude the Cash App account. Unfortunately, by the time HR processed that new direct deposit form, the funds had already submitted to my cash app account ( that I had just closed ). I called the Cash App support line on XX/XX/year> to find out if they had received the direct deposit amount from my payroll company and what the process was for them to send that back. I provided them with my phone number my email address and the account number to the Cash App account. The woman that I spoke with said that she was unable to find my account. I asked to speak with someone who could look back or help me with this situation and she said that there was no one that could do that. I asked her what she recommended I do, and she said " to not call them again '', and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TN

Complaint narrative:
I am writing to formally report a concerning issue with a debt relief company named Freedom Debt Relief. I used their services and paid XXXX  monthly from XXXX until XXXX, in which I paid over XXXX dollars with the expectation that they would negotiate with my creditors to improve my credit situation. Unfortunately, I recently discovered that they failed to pay off a few of the debts that was listed and a a result, I am now being sued by that Creditor " XXXX '' which was actually the smallest debt listed. The situation has caused me significant distress and financial harm, as I relied on Freedom Debt Relief to manage and resolve my debts responsibly and they DID NOT!!!. I believe that their actions may have violated the consumer protection laws, and I urge your office to investigate this matter. I am concerned about the practice of this company and the potential impact on other consumers who may be in a similar situation. Freedom Debt Relief ( FDR ) literally requested me to STOP paying my bills and instructed me not to answer the phones for my creditors ; XXXX told me they would handle it and not to worry ; Here it is XXXX and my credit is ruined and I am still dealing with creditors from the past.

Company response to consumer: Closed with monetary relief