vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: U.S. BANCORP
State: NY

Complaint narrative:
Heritage Financial Credit union zeroed out my credit card without notice to the consumer.

Heritage Financial Credit then sent my information to a 3rd party service provider without given the consumer the chance to opt out or explain what was going on. 

I began getting phone call back-to-back every other day from Elan financial services saying that I owe them money for credit card. I never herd of Elan financial services in addition I do not have a contract with them. I have spoken with Elan financial over the phone and asked them to send my personal information back to Heritage financial credit union. I have no idea whets going on and since my personal information has been shared with this company. I have been harassed by them day and night. I never had issues with Heritage Financial credit union, I made my payments on time and was never late over 30 days. I would like to file a lawsuit against Elan financial, they have caused me to have emotional stress and can't sleep at night and now they have reported incorrect information on my credit profile. Heritage has not provided me a chance to opt out- Elan financial services has violated my rights under the FCRA . Violations are several from this company and Heritage financial credit union. Gave no time for consumer to gather all information to make a decision.

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 2024-02-09 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: MD

Complaint narrative:
I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EQUIFAX. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I was sold on a TV in a Best Buy store XX/XX/XXXX with fancy language of 0 % for 2 years ( CitiBank card ). The sales associate then went on to cleverly say that **after** 2 years interest would accrue at whatever rate.. Sounds great, right? 

I accepted and signed based on that cleverly worded statement made by the sales associate. Not once did the sales associate say if the balance is not paid within 2 years you will get charged all the back interest ( almost XXXX )! 

Fast forward to XX/XX/XXXX as I am looking at my statements I am blown away by an almost XXXX dollar finance charge. I immediately called CitiBank/Best Buy and was moved up the ladder to XXXX, an Account Manger for CitiBank out of Tennessee. 

According to XXXX, I am out of luck due to it being too far back ( 3 months ) to waive the interest fee even after offering to pay off remaining balance ( {$1800.00} ). 

XXXX also stated that they did include this information in a disclosure sent out but he fails to understand that a *reasonable* person wont really read tiny, confusing, contractual, confusing language especially after being explained the appealing 0 % terms and conditions by the sales associate with an intention to get a sale completely glossing over the back interest aspect. 

Now if the Best Buy sales associate was clear about the terms and said : " Be sure to pay this back within 2 years or you will get charged all the back interest '' I would not be in this financial situation. With ''getting the sale '' as a motivator for the best buy sales associate the back interest aspect likely is easily omitted since I'm sure they didn't want to lose a sale. 

CitiBank should be responsible in the almost predatory-like manner that their credit cards/promotions are sold. XXXX stated to me that Best Buy employees are not very well trained in explaining terms to customers and are not very knowledgeable about terms. 

XXXX did say Best Buy sales persons are very knowledgeable on products and I completely agree because the sales person sold the heck out of that TV. He knew everything like : resolution, XXXX XXXX XXXX placement of TV in space, refresh rate, audio, etc. We chatted for about an hour or so but the employee still failed to mention the kicker of " If you don't pay back in 2 years you will owe XXXX dollars. '' I feel like I was baited and switched financially and taken advantage of and CitiBank/Best Buy should remedy this situation.

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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
In XXXX the vehicle I purchased completely broke down due to mechanical issues. I finally was able to work on getting it fixed but that placed financial burden on me along with raising costs of living. I reached out multiple times to GM financial during the summer and fall of XXXX and was told there was nothing they could do. I got behind on payments but made payments as I could. On XX/XX/XXXX I reached out regarding a pending payment that I did not authorize. The representative I spoke with kept going in circles and either couldn't or wouldn't answer my questions or provide any kind of assistance. The payment was returned. Now I am trying to schedule a payment just XXXX week out and I am told I can't because of the returned payment. So my account is past due, but they won't schedule a payment because the payment they tried to process without my authorization was returned. I was told via chat to call in to schedule it but when I did, they said they couldn't do it. I'm just trying to get caught up and there has been no assistance, offers, or any kind of resolution even offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked credit in XXXX and XXXX of last year. I opted out of monthly report but it makes you put in credit card info just to see what is posted. I cancelled in XX/XX/XXXX after I seen a record of purchase. I cancelled again in XXXX XXXX. Then in XX/XX/XXXX I see a purchase of {$27.00} on XXXX XXXX after I cancelled on website. I dont take any action until XXXX and then they tell me that I dont have a account. I see the purchase in XX/XX/XXXX of XXXX. I have been charged every month XXXX. I got on phone and called to cancel. They finally sent email of cancellation but no refund of membership that I did not want or opted out of just to look into 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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with Experian XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card 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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint against JP Morgan Chase Bank for their failure to comply with the regulations outlined in the Electronic Fund Transfer Act Regulation E. On XX/XX/2024, I initiated a XXXX payment in the amount of {$1500.00} to a contractor for services that were never completed as agreed upon. Despite my repeated attempts to resolve the issue with JP Morgan Chase Bank, they have refused to refund the unauthorized transaction. According to Regulation E, consumers are entitled to protections regarding electronic fund transfers, including the right to dispute unauthorized transactions and receive prompt refunds. However, JP Morgan Chase Bank has neglected to adhere to these regulations and has disregarded my rights as a consumer. 
Furthermore, I am deeply concerned about the lack of knowledge and training among the managers and supervisors at JP Morgan Chase Bank regarding Regulation E. It is evident that there is a systemic issue within the bank that needs to be addressed to ensure that consumers are protected, and their rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2024 at XXXX XXXX I used the XXXX  ATM located inside XXXX XXXX station at XXXX XXXX XXXX XXXX XXXX XXXX however my {$140.00} withdrawal did not dispense from the ATM. So I called the number on the ATM. They informed me to call my bank. My bank is chime. I contacted Chime, filed a dispute, and XXXX days later they closed the dispute without giving me my money back so now I am at square one. I called the ATM owners again and can not get any answers into whos going to refund my {$140.00} that did not come out of the ATM. I feel like if a true investigation was done they would see on multiple cameras that the money was NOT dispensed. 
I have provided the receipt and the case number and have filed disputes in addition to the original dispute because its not right for me to just be robbed of {$140.00} hard earned dollars. 

At this point I do not know what to do and still havent recovered my {$140.00} loss just a bunch of excuses. Both case numbers in the second photo attached are from XXXX. The first one is the initial dispute and then the additional dispute filed once Chime closed my dispute and did not refund my money nor offer me any provisional credit Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings
State: TX

Complaint narrative:
On XX/XX/2024, I received a call from XXXX XXXX, Senior Recovery Agent with HF Holdings , Inc . Phone : XXXX XXXX fax : XXXX Email : XXXX XXXX XXXX, com XXXX XXXX indicated to me that he was trying to collect {$6300.00} from me and stated that I had a relationship with a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an individual with that company by the name of XXXX XXXX had purchased inventory from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Phone : XXXX XXXXXXXX XXXX XXXX XXXX called me on my cell phone with threatening tones and stated to me my social security number and other family members names. I informed XXXX XXXX that I had nothing to do with that company or XXXX XXXX creating a debt. He continued to make phone calls and send over documents showing that XXXX XXXX and XXXX XXXX created a debt with his client. I stated to XXXX XXXX that he was trying to fraudulently collect money from me that I don't owe, however he continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I tried to withdraw XXXX XXXX dollars from an XXXX  atm and I didnt take the money out in time because I just had a XXXX so my mobility is a bit delayed!! So the atm took my money and told me to contact my financial institution!! So I contacted my financial institution which is cash app and I contacted XXXX  atm and they told me that cash app can perform a regulation E transfer back into my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the XXXX rescinded those legitimate payments and erroneously notified the Experian credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that XXXX be assessed an appropriate penalty.

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 2024-02-09 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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a Capital One Credit card in the mail that I never applied for. In XXXX of 2023, I reported this to capital one and the account was never closed. I did not apply for a credit card through capital one. Another inquiry has been made though capital one to open another account in XX/XX/2023. This was also without my knowledge. I have disputed these through expirian and flagged my account. I believe someone has stolen my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I filed a purchase protection claim with Chase Bank. The credit card is Chase Sapphire Reserve. The claim amount is {$2400.00}. My claim number is XXXX. 

The bank intentionally delayed the reimbursement process, and their agents gave me misleading information during our conversations. Please see more details below. 

I have already provided all the documents listed on their website. However, they asked for additional documents. To assist them in making a decision, I immediately provided the additional documents they requested. However, after one week, they contacted me again and asked for further additional documents. Again, I provided them with the documents they requested. After another week, they asked for more documents. Moreover, they repeatedly asked for the same documents which I had already provided to them. Finally, their agent told me he thought the documents were good enough and that my case should be approved by the examiner within 24 hours. 

However, my case is still pending. I had to contact them again. Now, they have informed me that the examiner may require more additional documents to make a decision. 

Overall, they delayed my case by repeatedly asking for the same documents they already had, requesting additional documents ( which are not required by their policies ), and giving me inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: PA

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 2024-02-09 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: U.S. BANCORP
State: OR

Complaint narrative:
All credit card Presentments are in the Positive, if I owe a debt, should it not be negative?

Am I paying for a debt that isn't mine?

Are securities frauds occuring in these security transactions?

Am I not the beneficiary to a trust account?

This request Pursuant to Section 5 552 of Freedom of information act, and the privacy act, for a full disclosure and release of all records and/or data contained in the files of your department and/or agency under y name and/or identifier to my name. 

This request is to verify the following laws, and have use of my credit line to protect me from the serious harms and frauds being perpetrated against me, the living being, flesh and blood. 

Public Law 1, 48 stat. 1, refers to H.R. 1491 to which the U.S. Govt. and the State are the Trustees of the Trust created under this Public Law 1 which placed all property of the People into the U.S. Govt and State, and that these posessions are a " Trust '' to be used as a credit line.

Public Law 10, Chapter 48, 48 stat 112. Refers to H.J.R. 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In 1933- President Roosevelt passed HJR 192 June 5, 1933- and since the government had taken the gold, and the People had no money, the government would pay the debts for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Policy, PL 73-10. Not only does this insurance policy ( law ) protect the legislators from conviction for fraud and treason, but also it protects the People from damages caused by the Federal & State governments.

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