vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: CL Holdings LLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
Hello this is XXXX XXXX. My address is XXXX XXXX XXXX is XXXX, FL XXXX. 


On XX/XX/XXXX I was at the soccer field off XXXX XXXX and someone steal my wallet and then he made some unauthorized transactions. I called the police and I got the police report. Actually he steal my wallet and my XXXX and I find my XXXX from from that area by tracking XXXX. XXXX I lost like {$2800.00} {$400.00} in cash and {$2400.00} from my credit cards and debit cards XXXX XXXX already credit me {$1000.00} by the way store and Branch app is refusing to credit me my funds Here is information about the Branch app transactions {$200.00} XXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXXXXXX  ay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL I have an open dispute case with the BranchApp, and they are refusing to refund my money Branch Dispute Case # XXXX XXXXbranchappXXXX Also, I have attached the police report and the transactions screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One and XXXX XXXX XXXX XXXXXXXX did not provide proper disclosure. Per 15 USC 6802 Obligations with respect to disclosures of personal information. During this credit transaction XXXX XXXX did not give me documentations of opting out. Per the FCRA that is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i opened a chase account, deposited money on a check, tried to send the money out because i had just opened the account and did not have the debit card, i was told i would be able to access and use the funds when the check clears. it cleared, tried to send, now im banned from chase, closed account, can never use them again, they are mailing me a check with the deposited money, no information as to why they would make me wait 10+ business days to receive a check with my funds wasting my time and causing me to be late on bills, i havent had a bank in years, this is how they treat people?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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 have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-03-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
Late XXXX my debit card was stolen. Someone had withdrawn {$800.00} dollars from my checking account. When I noticed my card was gone I immediately reported my card stolen. I started an investigation cancelled my card, changed my pin and was issued a new card. I was mailed paperwork about my fraud claim that I completed and mailed back. US bank immediately transferred the funds to my account. About a week later they took {$800.00} out my account and told me that my claim was denied. I made several attempts to understand why my claim was denied and each time I spoke with someone I either got a different story or I was told that my call was sent to a manager and I would get a call. I have not spoken to anyone however they have on their notes that someone had tried to call me. In XXXX I spoke with someone again and I was told that my claim was sent to the wrong department and the video footage was never checked at the atm that my funds were stolen from. I was told that would happen and that I would be sent new paper work and that my claim was starting over since it was wrong the first time. I never got paper work and I never heard anything or received my funds. I have called several times since then and nothing. Now we are in XXXX I call again and I was told that the system automatically skipped my claim because I was already in the system and that I would get a call. I never did and this point that {$800.00} has set me back quite a bit because not only was {$800.00} taken but now {$1600.00} because they took the funds back. Since then I have been behind on all of my bills and the bank has not tried to help me at all. I am starting to feel like they are not going to help me. Every time I call I am just getting the run around and different stories about my claim.

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2024 I made an online purchase of a tax software from XXXX XXXX XXXX  XXXX for {$52.00}. This purchase was posted on XX/XX/2024 by the credit card company. There are XXXX additional charges of {$52.00} on XX/XX/2024, which was posted on XX/XX/2024 by the credit card company. XXXX XXXX XXXX XXXX acknowledged the XXXX purchase I made and send me the confirmation email with the activation code. 
When I noticed the duplicate charges on my credit card statement, I contacted the credit card company and provided the information regarding the duplicate charges. Credit card company has declined to process the claim on the grounds of insufficient information. I contacted the XXXX XXXX Representatives, who were unable to provide me the details of the additional information needed and informed me that the case is closed.

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 monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It all started when I was trying to set up autopay with Verizon. Instead of pressing the Apply button, I pressed Apply now. The apply now button was for Synchrony Bank 's verizon visa.credit card unbeknownst to me. When it came, I shredded it because I did not want it. On XX/XX/24 Synchrony Bank sent me a letter to activate my card account number last 4 digits ending in XXXX. When I tried to call them, I did not have the card number because I shredded it so it was difficult to get through to a live person to explain. The next thing that happened was Synchrony sent me a bill in the amount of {$110.00} for what? Someone at Synchrony ILLEGALLY activated a card that I shredded and never used. They continue to tell me that it is linked to a Verizon account. I have gone to Verizon and they have called Synchrony Bank on my behalf several times and twice we were transferred and disconnected. Verizon has checked everything for any links there are none connected to Synchrony. Synchrony continues to send me bogus charges on a credit card that was NEVER ACTIVATED. I just received another letter from Synchrony dated XX/XX/24, account number XXXX?? stating that my current balance is {$140.00}. All I want Synchrony to do is to close any accounts under my name. I owe them XXXX and they owe me XXXX. Verizon also called and their fraud department has done nothing and I have yet to hear back from them. I WANT THEM THEM TO CEASE AND DESIST.

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 monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened a Capital One 11 mo CD account in XX/XX/2013 that had a 3 month penalty. Managed account exclusively using the app, which prompted me to renew at maturity and provided various new options for term and rate. I selected a 14 mo, which at no point disclosed that the penalty doubled from 3 to 6 months. Communications received from Capital One after account opening confirm other account details but not the higher penalty ( some refer to a disclosure document which is linked but does not open on app and does not appear in the apps Statements and Documents folder ). Customer service agent told me that higher penalty was disclosured on the website when I opened my original account - suggesting that I was supposed to retain knowledge of penalties for products other than those I was buying 12 months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am looking to dispute that they do not have my authorization to report any of my information.

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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Lease a XXXX XXXX XXXX in XXXX of XXXX file for bankruptcy in XXXX. I never put car in my bankruptcy but credit acceptance put themselves in my bankruptcy.I didn't find this out until 2 years later I was still paying the car note on time every month when I was trying to trade car in I was told that I was gon na be upside down the loan. So, I reached out to credit acceptance and was told to surrender the vehicle and that I wouldn't owe them anything. My lawyer never agreed on the affirmation agreement of the loan. They continue to let me make payments on something that's was paid off on bankruptcy I didn't know about. They also messed my credit up and I had to dispute the repossession off my credit report cause I surrender the vehicle after I was told to do so without owning them anything

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a purchase from XXXX  paid features. I turned off the auto-renewal feature, which should be outlawed in the first place. XXXX charged me {$590.00} via autorenewal anyway. I didn't try to contact them because their tech support was almost completely unresponsive so I decided not to waste my time trying to reach them. Instead I contested the charge with Bank of America. They denied the claim twice after many months. Their explanation was that I was using the software because I logged in the system. This makes XXXX sense because XXXX has many free features that also require logging in. I am logged in right now but not paying for any paid features. I can not understand how this response from Bank of America is fair or logical in any way. I have screen shots of the XXXX web site showing I turned off the autorenewal feature. This situation is ridiculous.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.

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 2024-03-17 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
inquiries that was not authorize or recognized complain I contacted XXXX Experian about the following to be removed from my credit report immediately 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 ) I made complaints to XXXX and Experian about not recognizing these inquiries and might be identity theft and or 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 non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
A Concora Destiny credit card was opened in my name without my consent. I attempted to contact the company and they requested information I was not willing to give them because I was not sure they were a legitimate institution. The automated teller on their phone line for their credit cards changes between asking for the last four digits and all nine digits of your social security number and upon requesting to be transferred to an agent the teller says that they are a debt collector. The entire thing seems very suspicious and I did not trust giving them my SSN. The account in my name that I did not open currently has a balance of {$170.00} and a credit limit of {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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 XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am a Victim of identity theft my credit is froze nor do I use my credit for anything this is Fraud. I have police reports as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: LEXISNEXIS
State: OH

Complaint narrative:
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Kriya Capital, LLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.

Company response to consumer: Closed with non-monetary relief