vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank allowed XXXX XXXX XXXX Florida to take {$120.00} from my account. I had purchased something over a year ago and was not satisfied with the purchase. I told Chase it was an unauthorized charge and they placed the money back. I also told them many times to ban this company from doing it again. The company did it again and Chase is refusing to put my funds back. They send me 2 messages one stating they couldn't stop them from doing this and another saying they put a ban on this company from doing it. I have not received my {$120.00} placed back in my account. 

If I don't receive it, although it will be a hassle, I'll take my business elsewhere. Hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: FL

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. There's late payments on my accounts and i want the late payments to be removed immediately from the account under 15 U.S.C 1666B 15 U.S. Code 1605 - Determination of finance charge. There is also inaccurate information that's reporting thats hindering my report. 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 : Remove these unauthorized inquiries that weren't consented. 
XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Please remove these inquiries.

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 2023-03-11 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: Freeway Funding, Inc.
State: CA

Complaint narrative:
My car is financing is thru Freeway Funding XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX In XXXX of 2022, my debit card was not returned by a default ATM machine. My car payment was due XX/XX/XXXX, being my debit card was misplaced I went thru a called XXXX because XXXX would not take a XXXX party payment. XXXX IN TURNED SENT FF THE WRONG ACCOUNT #. XXXX XXXX CALLED STATED THEY SENT THE WRONG ACCOUNT # TO XXXX. I CALLED XXXX AND EXPLAINED MY CONCERNS BECAUSE MY CREDIT SCORE DROPPED A Whooping XXXX POINTS. XXXX SAID WRITE A LETTER EXPLAINING THE ISSUE, I DID AND XXXX STILL WILL NOT CHANGE THIS DOXO MADE MY PAYMENT LATE 2 WEEKS THIS HAS BEEM A HARDSHIP I COULDNT RENT APT XXXX I TRIED TO TALK TO XXXX THEY ARE VERY DISRESPECT OVER THE PHONE. THEY HAVE POOR REVIEWS FROM CONSUMERS DURING COVID. I HAVE NOT MISSED A PAYMENT EVER UNTIL THIS MY CAR IS ALMOST PAID FOR AND NEEDS IT REMOVED.

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I've submitted a fraud claim with Schwab about a company withholding my funds. I had used my schwabb account and debit card to deposit funds into an application known as XXXX XXXX. When I went to withdraw these funds from the app they were being withheld and then my account was removed from the app and essentially the existence of my account with the application completely disappeared. I reached out to customer support for the app and they were of no help and would not reach back to me about this issue so I submitted a claim with schwabb about every deposit I made to that application using my account information or debit card information and put a stop payment as well. Schwabb for weeks has not reached out to me about this fraud claim, has done absolutely nothing to recover my funds, and has not given me any updates after repeatedly reaching out. I have not even received temporary funds for the time of the investigation either. They are not holding up their part of the agreement to protect consumers from fraud and letting it run rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: 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. 

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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 2023-03-11 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: 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. 

U S DEPT OF EDXXXX  Account number # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX number XXXX XXXX ; U S DEPT OF EDXXXX XXXX Account number # 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 an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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 2023-03-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or around XX/XX/23 I was reviewing my Experian credit report I noticed that there was a some Inquiries plus a few extras that wasn't there before, that I made a attempt to dispute months earlier. After calling and requesting for the Inquiries to be removed I took it for face value that Experian would do the right thing. But as we all know now Experian has is still continuing to practice deceptive and misleading practices. Experian made me believe that any and all unknown, non written correspondence, or court ordered Inquiries that wasn't connected to any open accounts would be deleted. 

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 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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I 'chatted ' with someone from XXXX because i could not get them to answer the phone.. they gave me an email address to send my cancellartion to ( which I have in writing from XXXX XXXX ) they continue to call me, email and harrass me and now have sent to collecrtions.. I should sue them this is harrasssement, they refused to accept my letter of cancel nor communmicate with me..I operated 100 % on fair grounds and was paid in full when i in fact cancelled.. My provider got purchased by XXXX and i had alway had bad experience with them as co. that is why i switched to XXXX years ago. Please fix this .. i will hire a lawyer as this is causing me strress and humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Spring Oaks Capital LLC, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
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 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX 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 DEPT OF ED / XXXX : # XXXX XXXX DEPT OF ED  / XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-03-11 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:
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 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 DEPT OF ED / XXXX : # XXXX XXXXXXXX DEPT OF ED / XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX//23 I provided Citi with a XXXX payment to close out the existing balance on my card. The payment was provided by XXXX XXXX and received by Citi but balance was not adjusted and payment not recognized by Citi for over two and a half weeks following payment. I called multiple times and was told by customer service a variety of reasons why the account was not reconciled. Citi attempted a third party three way call with someone they claimed was a XXXX XXXX rep at which time personal fiscal information was requested. I terminated the call and contacted XXXX XXXX who advised pulling back my payment. This was done. I called Citi and attempted to work with a customer service agent to ascertain what amount of payment would not initiate the same behavior on their part. I was advised to make XXXX payment which would clear my account immediately. I did so on XX/XX/XXXX and now have been told that the payment would not clear and I would need to wait indefinitely for Citi to recognize. This violates the T & C of the card for timely recognition of payment and account balance adjustment.

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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I have a wage garnishment sent to a court in a county I moved out of in XXXX. I moved from there to XXXX  in XXXX and back to XXXX in XXXX till present day. The original debit or portfolio recovery sent this collection to javitch block law in XXXX who sued me in XXXX XXXX XXXX. I cant do anything about it. This is 100 miles away from where I live and have lived for 5 years. Now I have garnishment papers from my work with the old address used to sue me. I have no way to stop this as I was deceived by javitch block. My due process in court was violated by using these tactics of filing so far away from where I live so I wouldnt know about it and have a chance to appeal. I have no idea how this is legal. I had a prior creditor XXXX XXXX XXXX  who got ahold of me in XXXX about a debt and I worked with them paid it in full and everyone was satisfied. I can prove my willingness to do this with a court getting involved but javitch block denied me of this and now I have the embarrassment of my employer thinking Im some deadbeat person.

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 2023-03-11 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased my XXXX XXXX XXXXXXXX XXXX brand new on XX/XX/2020 at XXXX XXXXXXXX in XXXX, Texas. Which has now been renamed and brought out by XXXX now. The truck was {$37000.00} the total of everything was {$42000.00}. We paid a total of {$4000.00} down. 

We, are exercising our right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as WE was never told WE had 3 days to rescind the transaction nor was WE given the notices that come along with all consumer credit transactions. We are rescinding the transaction, and rescinding my signature endorsement ; Furthermore, you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also named has failed to clearly & conspicuously disclose my right to rescind ; We, participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 USC 1681 C-2 XXXX XXXX # XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

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