vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a previous report stating that I had been denied an extension of my own credit from Chase bank. I sent Chase a handwritten letter asking them to please explain to me how a consumer is being denied. Chase bank responded back with a generic computer generated response. Their was also a supervisor by the name of XXXX who stated on a recorded line that he was aware of the laws I provided them, and that he was ok with Chase bank breaking them. He made it very clear that he didnt care about what the consumer laws states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mobiloans, LLC
State: ID

Complaint narrative:
I received a text message today XX/XX/XXXX. I called the number back and they told me that they took me to court and that they're going to arrest me if I can not pay half of the Debt but I never received anything in the mail about a court date or anything and this happened back in XXXX. They have all my current information but the debt was done in california. I tried to contact mobile loans themselves. They said it was sold to a 3rd party deck collector XXXX XXXX XXXX  I call That number and they told me that it was sold to another company in XXXX XXXXXXXX XXXX XXXX. I tried to call that company and their number does not go through. The lady told me on the phone that I have 2 hours To come up with XXXXXXXX XXXX or they are sending someone out to arrest me. But like I said I never received anything about me being sued or I would have responded. I am very scared I can not be arrested I have children.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I returned some items that I purchased but the merchant didnt return my money its been going on a month so I dispute the transactions along with proof that the merchant has received the items but yet my money wasnt returned back to my chime account after I disputed the transaction my account was close for what every reason along with money still being in my account the bank is still refusing to release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The company is reporting a 30 day late payment for XX/XX/2023. The reporting of this late payment violates the Fair Credit Reporting Act because experiences and transactions between the consumer and the person making the report are excluded. 

Also, a creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose unless the creditor has adopted reasonable procedures under " Consumer Credit Cost Disclosure '' and those procedures are mailed.

I also never provided any expressed written consent for a late payment to be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The loan is bad. I wasn't aware of this until I attempted to refinance. I did state that the loan was way too much at the beginning but I was told if I paid for one year I would be given the option to refinance. When I went to do this I was told the reason that I can NOT refinance is that the Loan to Value for this loan is 260.00 % The car is worth {$9400.00} My current loan is {$23000.00} I am a XXXX patient and I called to see if there was ANY WAY to negotiate a payment I can do. There are NO hardship programs. I am paying but I want to refinance so that I have a more reasonable loan and csr payment. They did NOT offer me any refinance options and no refinance company will touch this. They have literally tricked me with legalese and lied about options we would have later. Being that they are a financial company I am SURE they are aware that that kind of LTV is going to LOCK US IN. However when we asked we were told on a recorded line that we could refinance. No one will do that with this kind of LTV ever! I didn't know this! But I did see this was so high and I DID ASK AND THEY LIED AND SO DID THE DEALER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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 have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have 50 total payments missing from my payment counts for PSLF forgiveness. If the payments were added as they should be, my loans would be forgiven.  I had a total of 4 loans, all with the same issue. 3 of the 4 were forgiven in XXXX XXXX. One is left with no explanation. I have taught at the same location since XXXX, and my payment period is certified. 

I have opened a case with Student Aid and it is still pending. Missing Months include: 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 XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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 have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had put a credit freeze with the 3 companies approximately 2 months before.. I had trouble with one of the three doing this all by phone.. My mortgage Company wanted to do a credit check so I attempted to un freeze reports.. XXXX XXXX I was able to complete and unfreeze XXXX XXXX. Called Experian to get XXXX XXXX XXXX freeze lifted. Their FULLY AUTOMATED SYSTEM WITH NO HUMAN OPTION. I inadvertently put a freeze on my credit report.. The computer said they were sending me a pin in the mail ... This is the opposite of what I wanted to do .... I frantically started calling numbers I found online.. I contacted one lady.. After talking fo a few minutes her computer froze.. Nothing accomplished. Called back to the phone system from Hell. Finally got a HUMAN.. Explained the situation and she asked me for the pin that the computer said was snail mailed 3 hours before.. Obviously SHE WASN'T LISTENING.. As it stands 2 credit reports unlocked and 3 Skrewed Because of their lack of help customer service and communication.. This is a Mortgage Issue and time is of the essence... They don't care...

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This is a repeated complaint regarding CapitalOne 's annual fees and resulting lates fees, finance charges, and negative credit reporting. I have several cards, most of which I've had for many years, maintain in good standing, and most I keep completely paid. When I don't use the cards for an extended period of time, I should not be charged and annual fee. If I am using a card, and receiving the cash back benefits, then paying the fee is not unreasonable. 

Contrary to policy several years ago, CapitalOne now " automates '' the process of waiving annual fees and late fees, instead of allowing and empowering the individual phone agents with the ability to view the accounts ' history and offer the accommodation ( s ). 

The specific card is one of several I have not used for many months, yet is being charged an annual fee, subsequent late fee, and related finance charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a charge on my Capital One Venture Credit Card in XXXX. The exchange rate was 12 % less than what was advertised by Visa. 

Per Capital One : They do not charge any bank fees on foreign transactions and the Visa rate should be the rate reflected on my transactions. 

MY charge is currently being disputed and took some pushing on my side for them to understand what was going on and even dispute the charge. But given the size of Capital One and Visa this could either be a honest mistake, that needs to be rectified quickly for many card holders. Or possible intentional fraud that can push millions in profits towards these companies that needs to be investigated and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$0.00} XX/XX/2009 2009

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Block, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX XXXX my brother needed an airline ticket and had funds in his friend 's account his friend gave him his debit card number he funded my dad 's cash app account with {$230.00} to buy an airline ticket my dad sent the {$230.00} to me and I bought the ticket from XXXX XXXX return XXXX a lot and now 4 months later my brother 's friend files a dispute with his bank about the money that went to cash app my dad 's account when my dad 's account did not have any money in it with that dispute they saw that the money went to me to my cash app account and they took the money from my cash app account but they could also see that the money went straight from my account straight to XXXX XXXX we've called them and asked them about it and they always tell us is that we can't answer questions about that and hang up on us my dad never filed a dispute like it says on my messaging from cash app saying that XXXX XXXX filed the dispute on this charge he did not file a dispute he does not have an account with XXXX he only banks with XXXXXXXX XXXX cash app is telling him he needs to call his bank and find out what's going on his bank don't know nothing about it as I said he banks with XXXXXXXX XXXX XXXX will not talk to him because he does not have an account there they zapped my account for {$100.00} and they tried doing it again for {$130.00} when they couldn't get it out of my cash app they went to my chime account and try to get it out of my XXXX account with no warning no nothing just a text message seconds before they took money out of my account and how can they use my dad 's name saying that he filed a dispute when he did not he knew nothing about it that's another thing of fraud I just want my money back from cash app that they took to begin with my brother had all the permission in the world to access that account the gentleman gave him the debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
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  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. Convergent Account # 1234 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 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from DriveTime, and the vehicle is a lemon. I have spent several thousand dollars in engine repairs, and the car is currently inoperable. The first repair was done in XX/XX/XXXX ( {$990.00} ), to repair a warped gasket because the engine was damaged. The vehicle is currently in the shop due to more engine issues and the costs are {$1900.00} to replace the engine. I have contacted the dealer and the finance company to try and have the vehicle replaced, but they keep referring me to the warranty company to have the vehicle repaired. I have a young child and I'm a healthcare professional, so transportation is important. I no longer feel safe driving the vehicle, even if it is repaired. I also spoke with XXXX, and they advised me to voluntarily repossess the vehicle... I feel as though DriveTime sold me this vehicle in a predatory fashion, taking advantage of my age and background. This is my first car and auto loan, I'm XXXX XXXX XXXX... So If i do that, it will harshly affect my credit and I may not be able to qualify for a car loan for years.

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 2023-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC
State: SC

Complaint narrative:
The company is not being honest. They have received the {$2000.00} in funds for a down payment for my vehicle which shows in my contract as contribution towards payment and receiving the vehicle. The company is being dishonest and fabricated distancing of my old address and full mileage between their and the updated address which was 18.9 miles as proven by gps. Then harassing my mother at a different address in another town after already knowing where I lived her house was located in XXXX 40 minutes away from where I lived. 4 miles is a lie. Also, this company clearly sent out information regarding money owed after repossession which is considered wrongful repossession. Also this company has now illegal ran my credit report without my consent or notifying and a lawsuit is underway for their bad business practices. Federal states it is illegal for a company to run a credit report without consent. Federal violations with this company include but are not limited to. Reporting that an account was active after it was voluntarily closed by a consumer, Inaccurate statement of balance due, doing a soft pull on my credit report without my consent on XX/XX/2023 I was not made aware or asked by North state Acceptance if they can run my credit report. I am now also seeking arbitration, Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. 
Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.

Company response to consumer: Closed with explanation