vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have two Chase bank credit cards. In XXXX was charged over {$120.00} in fees for XXXX. They claim I was given notice in first quarter. Notice was primarily about Chase XXXX and cash transaction piece was misleading, incomplete and unclear. They only refunded one charge on one card heres the language TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. 

I think the balance of charges should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/2022, i went to a branch to opened a checking account with XXXX XXXX, i deposited my work check of {$800.00} dollars, the funds were deposited and i could see those funds when i log into my account, i was told i would received a debt card in the mail 5-7 business days after opening the account, today is XX/XX/XXXX and i have not received a debt card, my rent was due on XX/XX/XXXX and now i'm late and was charged a {$58.00} late fee from leasing office and a notice to evict, i work overnights long hour shift, so that made it difficult for me to go inside a branch to load cash. 

each day i called the wait time exceeded 30 mins and call just looped over and over, finally today XX/XX/2022 i spoke with different customer service reps with 5th third and was told the debt card was sent out on XX/XX/XXXX and it will take 5 - 7 Biz days, yet i opened the account XX/XX/2022. 

I believe 5th third is holding my money XXXX and i urgently need access. 

i can not pay my rent, i cant buy gas or food, because i have no card to pull money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I received a letter on XX/XX/22 from Receivables Performance Management regarding a XXXX XXXX account for {$3900.00} that does not belong to me or my company. I do not know who opened this account but the RPM rep informed me the account was opened on XX/XX/22 and closed on XX/XX/22. Please remove this collection from my company, XXXX XXXX XXXX business 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 2022-10-10 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2022 I received a notification from my XXXX app saying that a collection hit my account for XXXX. I have not been to XXXX so I dont understand why XXXX is hitting my credit. I called XXXX and disputed the collection of of my credit. Not only did it drop my credit tremendously but it showed on my account again today. I believe I am a victim of identity fraud. I have reported identity fraud before and this is getting really frustrating. I shouldnt have to worry about my score dropping due to something that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These people are putting me through XXXX to access my account. I have given up on attempting to use thier website online, to manage my account, i wait to review all transactions on my paper statement when it arrives, and submit any disputes by mail, because i can not access their websites i enter my valid credentials and they impose XXXX, a third layer of security which asks to send me a text with a code which i have to enter to access my account. The phone number that I have on file ending XXXX, is no longer my number. The capital One Bank credit card will not update my new number and, as such, is wrongfully withholding access and discriminating against me and I take these tactics as undue hardship and burden unfairly disadvantaging me financially and emotionally I can not access my account and I believe that these unscrupulous financial institutions are intentionally and maliciously without my permission implementing this deffective technology to our detriment without any consideration towards the consequences of damages. The refusal to accept my new number, discrimination is wanton wilful and unlawful. You can call upon the phone number service provider to testify as to the fact that my name and identity is registered to my phone number because capital One Bank, upon implementing their defective multi-factor authorization without my permission, claims that my number is not valid or acceptable or compatible with their defective technology resulting and clean that they are have the right to deprive me of access they refuse to bypass their defective technology and this has been one of the most disrespectful and uncalled for offenses have ever had to deal with. 

I am a human being alive with blood that will identify my identity. 

I lost my card at the atm machine at the physical capital One location and they refuse to return it to me, I had to report it in person and request a replacement be sent right away however even in person they told me they needed to send me a text with a code for extra verification for security to validate my identity to complete the request. The same error of the effective technology kept on refusing my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2022-10-10 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
We purchased a Solar System from XXXX XXXX XXXX XXXX and financed through loanpal/goodleap we had issues from day one. The system never performed as it was sold to us by the company. We had techs coming out every other month to fix issues with it. We were trying to get them to come out and fix the most recent issue when we found out that they closed their doors and left us out to dry with a system that does not work and has never performed as it was supposed to. We have a 25 year loan on a system that does not work and has never worked as we were told it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: TX

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. 

MECHANICS BANK AUTO XXXX XXXX Account # XXXX The above account have violated my rights. 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 2022-10-10 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a FTC report in reference to the following accounts that are we reporting and have not been throughly investigated by the following credit bureaus. This continuous inaccuracy has caused me hardship and denial in extension of credit.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-10 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: REGIONS FINANCIAL CORPORATION
State: TX

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. 

Enerbank USA - Account # XXXX The above account have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I'm looking for itemized breakdown of bills. Due to the fact, it looks like they are double billing me for procedures. 
Also, now getting bills going back to @ 1 and 1/2 to 2 years old. 
Also, before procedure in XX/XX/2021, they told me if I paid in full of what I owe they would give me a {$100000.00} discount, then get a bill months later for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi, On XX/XX/2022 I was charged {$19.00} by Equifax. I tried ending the trial online but I guess it did not actually go through the day before. When I called on XX/XX/XXXX around XXXX I was on the line for about 25 minutes with a very rude agent named XXXX who said I could not terminate my account subscription and that I would have to wait until XX/XX/2022 for the subscription to end. Due to personal reasons I needed that money and could not continue with XXXX subscription, it's too expensive, plus my XXXX XXXX credit card already has a monitoring service for free. I asked to speak with a supervisor and was hung up on. I called back and spoke with another agent around XXXX and she asked her supervisor who declined to refund me and terminate my subscription on the same day I was charged. I made it very clear I would not be using this service at all for the next 30 days and that I should not be billed for it if I do not want it. It got charged the same day and I did not want to continue with this. I did not want the service. I told them this. I will be disputing with my bank. They said its fine and did not care, I've never experienced something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I applied for multiple pre-approved credit card offers through Credit karma that were deceptive and misleading. The actions resulted in multiple denials for credit, which in turn caused my credit scores to drop and my credit rating to suffer. This in return made my search for a new vehicle a struggle and once approved for a 2013 vehicle the interest rates were significantly higher causing undue financial duress for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
I have contacted my current student loan servicing company and the Federal Student Aid office to obtain the original loan application for my spousal consolidation loan as well as my Master Promissory Note. I was told by MOHELA that I would receive my MPN emailed to me within a couple of business days. That was on XX/XX/XXXX. I have sent follow up emails and still have not received a response. I was told by MOHELA to contact the Federal Student Aid office to get a copy of the loan application for my spousal consolidation loan. The FSA told me to contact MOHELA. This was also on XX/XX/XXXX. I have sent multiple emails and have received nothing. I would like a copy of my Master Promissory Note and the original application for my Spousal Consolidation Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Hi im wanting to submit complaint against Ally Auto bank. in XXXX it was considered a total loss, my insurance paid over XXXX. And now Ally is trying to say i owe over XXXX $ and i have my statements from Ally and i owed XXXX that was with my XXXX XXXX statement. vehicle date of claim was XX/XX/XXXX. and my last statement from Ally, dated XX/XX/XXXX that my balance was XXXX $! which is not possible. I've called them, and just faxed em all copies of proof but they have alot of fraud cases, but they are blowing me off. i need to sue

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