vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/, a company called XXXX XXXX charged me an overage of {$1000.00}. I had subscribed to their service for XXXX XXXXXXXX a couple of months prior, on XXXX XXXX XXXX. I used my Mastercard with Capital One to make the initial purchase. I submitted a dispute with Capital One for the overage charge. Then, after Capital One reversed the charge dispute, they rebilled me on XXXX XXXX XXXX, and I called a representative. The representative changed the coding of the dispute to reissue the disagreement, which reflected that I didn't receive the merchandise as agreed. After doing so, I received another charge reversal on the XXXX XXXX XXXX I submitted documentation showing that the billing page clearly stated XXXX XXXXXXXX, and there were no other indications of other charges. They rebilled me on the XXXX of XXXX. I sent a letter to Capital One ( attached ) citing the Mastercard policies on receipt delivery for subscriptions, as the vendor does not conform to the Mastercard policy requiring receipt delivery by text or email. Also, they do not provide a form or direct phone number on their website to cancel the subscription, which is also against the Mastercard terms. Capital One wants me to provide documentation that I did not receive the services as agreed. I also explained that I did not receive the text/email receipts as I had explained in the letter, and the Capital One agent that I spoke with asked I provide documentation to show that I did not receive a text or email with a receipt if I didn't receive it how can I provide proof I didn't? The lack of evidence is the proof... Also, I explained the fact that hiding the overage disclosure behind the terms of service page on their website is a deceptive billing practice, which Mastercard has a policy against as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I contacted Chase to dispute six charges from " FUNDED ACCOUNT, '' totaling {$940.00}, and one from XXXX XXXX XXXX XXXX XXXX amounting to {$6000.00}. I contested these charges because these companies provided misleading and false information, failing to uphold their promises. 

Upon my initial contact, I provided all requested information, including additional details sent on XXXX  ( attached ). Chase processed the dispute and refunded only two of the charges, refusing to take similar action for the remaining five charges. Their response stated that although my dispute was valid, it was submitted too late for them to intervene. 

In a detailed letter sent on XXXX XXXX XXXX XXXX XXXX I reiterated the specifics of the situation and raised a critical question : why were the two charges processed in a timely manner for dispute, while the other five were deemed too late? Notably, all these transactions occurred within the same two-day period. 

Despite my persistent efforts to seek clarification and a refund for those charges, there has been no communication from Chase up to the present date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly asked Experian to remove bankruptcy from my account it clearly goes against the fair credit act law as the u.s bankruptcy court of XXXX does not report any information involving bankruptcy directly to any credit bureau! I ask to be presented proof of this. If not please delete immediately off of my credit report. Am Experian employee lied to me and said the courts provided information on it to them which is against the law I have this conversation recorded which is attached down below

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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 inructions 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 inructions 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this.

Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this.

Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was charged XXXX by Chime for using an out of network ATM, on top of the XXXX fee the ATM operator charged. I understand that this is in alignment with the terms and service that I agreed to, I, however, still believe this to be an extortion junk charge. I am unaware of any technological, physical, or hypothetical justification for charging extra money to complete electronic transfers and quickly. Chime isnt paying anyone anything more for me to access my money. Theyre just charging me for the convenience. 

Further, the fact that it costs me either {$3.00} or 3 to 4 business days to move money from my bank account into my XXXX XXXX account is also junk. I can send {$100.00} to my friend instantly for no fee. And they can send me {$100.00} instantly for no fee. So why can I not send myself {$100.00} instantly for no fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My account was freezed by American Express for no reason. I can not transfer my money or use my money. I call them and a representive tried to transfer my call to the right person, but no one answered the call. I waitted more than 30 mins and the call still can not be answered. I am very worried about my money. I think they are not safe in American Express saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XXXX XXXX I attempted to report fraud and a scam to XXXX XXXX which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX, and was not identified by XXXX XXXX as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this period of 37 days, XXXX XXXX XXXX XXXXXXXX indications that there was any problem with this payment. 
On XX/XX/XXXX, XXXX XXXX closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XXXX XXXX XXXX XXXX XXXX 
I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. 
XXXX XXXX filed a suit for collection against me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested it be dismissed since XXXX XXXX had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond XXXX XXXX requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though XXXX XXXX is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if XXXX XXXX refuses to do a fraud investigation.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Peruse the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime opened up my disputes for unauthorized activity as requested but decided to open two seperate disputes for the same incident. One was for XXXX and the other for XXXX. Well i get a notification one day later which was super fast to investigate that my claim was approved but what was approved was the dispute for a XXXX They senied the one that really is needed for my electric bill. Even though that XXXX transaction they approved was one minute away from the teansactions they denied and even same merchant. I contacted them asking how one minute in time made a difference and nobody knows ( but understand my frustration ) it makes zero sense. And if my electric goes off because they are refusing to put my money back where it belongs i really feel like there should be a heavier price to pay. I have contacted police reguarding the matter of whoever stole my tablet but they didnt even care to investigate its like the denial was automatic. Claim number XXXX is the one that was denied that needs to be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: ID

Complaint narrative:
I made a direct debt to pay a utility bill twice when my card had the funds to cover it. These transactions were pending, which you would know the funds are taken from me where I can not use that amount. It took a week or so for those funds to post when card company declined the payment due to no funds in my account to cover which makes no sense when I applied payment the funds were placed on pending. I have receipts from the utility bill with dates and amount. This is not the first time card company does this to me. I called them the reps are rude and refused to transfer me to management and said nothing more could be done for me and hung up on me. A year a ago the management said the same. I asked them to give me bank information to dispute and discuss and they declined. I did then mention I'm looking to file a civil lawsuit and that I am going to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
On XX/XX/ Robinhood locked my account and and said I need to verify transactions so I told them the debit card I was using was a new account that I opened up when I got my taxes so I couldnt show a bank statement so they said they cant do nothing and is holding my {$1100.00} so I waited a month showed them the statement then they told me I have to verify some other transactions about a bank account statement from a couple months ago they said because of two cancelled deposit. I told them im not sure what bank that is because I have a couple bank accounts and old ones too. So they said they cant help me and my money is still stuck and Im not sure what to do.all that money in Robinhood account came from my job works money which gets deposited into Robinhood and my tax money which I showed proof. My money stuck and I need help getting it out.

Company response to consumer: Closed with explanation