vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
On XXXX I was charged by merchant XXXX XXXX XXXX twice without my authorization. I was charged {$110.00}, and an additional XXXX ( with a {$5.00} tip included for a total of {$120.00} ), but the charge with the tip included is the only charge I authorized and signed for. I inputted a claim with Chase Bank and they notified me that there isn't anything they could do and to reach out to the merchant. When I reached out to the merchant, they tried to justify the double charge and the fact that they swiped my debit card twice for the same transaction. I have a receipt showing the charge for {$120.00}, the one which I signed for and submitted to Chase as proof, but they refuse to acknowledge it. Therefore, they advised they will be taking the provisional credit of {$110.00} back out from my account. I should not be responsible for the merchant double swiping my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
My dog was suffering and needed an expensive operation at XXXX in XXXX. 
The veterinarian handed me a card from CARE CREDIT subsidiary of GE Capital Retail Bank, because I literally maxed out my cards to save my dog battling XXXX. 
The CARE CREDIT Representative I spoke to said We operate as a nonprofit because we know how much we love our animals and operations prescriptions can be expensive. No worry. Theres No interest as long as you pay total borrowing within two years. 
Total {$2000.00}. Credit Line. I used only about {$1800.00}, Paid back more than {$950.00}, I desperately needed small amount to begin surgery, so I took the deal. 
Somehow that number ballooned to over {$2400.00}. AND WORSE, they reported me to credit. 
I had great credit. Now I have Poor credit and its only been 8 months! 
Im furious. 
I dont know what to do. 
The veterinarians missed a XXXX lump and my baby died. 
Worse My mother is fighting XXXX XXXX too and somehow Im moving forward on fumes. 
Advice would be greatly appreciated. 
I dont have a credit card. I destroyed it knowing Id never use it again. 
CARE CREDIT - SYNCHRONY BANK Account number is : 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 monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
Few weeks ago, I reported an issue with Discover Credit Card about some miscommunication and misunderstanding via a platform of a third-part institution. Then, they sent me a letter with information of a person I didn't know, including personcal identification information and his/her busness information. So, I suspect that they sent my information to somebody else. I tried to call them, but no one pick up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a 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 plan as late for any purpose.

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 2023-12-09 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a 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 plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello, I use Discover credit card. On XXXX XXXX, they helped me enroll in a program, but didn't tell me that my account would be suspended when I enrolled in the program. They said that I accepted their terms and conditions. But I have no impression that their statement said the account will be suspended. Their communication app always automatically exit, and when I retrieve it, the information they sent to me will appear 5-10 minutes late.

For me, this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two {$500.00} American Express Gift Cards from my work in XX/XX/. 
As of writing this, I have been able to use the cards on only two transactions over the course of the past year. One was a XXXX in-store purchase and the other was a XXXX in-store purchase. This gift card no longer works at either of those locations. The second gift card has not worked anywhere. One of them shows a {$500.00} balance on the online balance checker. The other shows a {$410.00} balance ( {$500.00} minus the two transactions that worked ). 
All other transactions, both in-person and online, are declined. The customer service agents seem to essentially have a script regarding the declines being " for safety reasons '', but the cards have essentially been rendered useless as a result. 
Furthermore, the website advertises the ability to add cards to digital wallets, use them anywhere Amex is accepted online, etc. All of that is false. They are rejected from all digital wallets, and can not be spent at any online retailer that accepts American Express. 
Put simply, these can not be spent anywhere reliably, and the high rate of declines leads to a high level of XXXX  when attempting to use them to shop in-person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Received a bill from XXXX but never had a phone there. Went to office, they said it was a fraud not to worry. Now is on my credit. Tried to dispute but they said it was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
Over the past several months I have been going back and forth with XXXX in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. XXXX has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX XXXX XXXX XXXX CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and XXXX CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past several months I have been going back and forth with Experian in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. Experian has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX. XXXX and Experian CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and Experian CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.

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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Surepay Lending Group LLC
State: UT

Complaint narrative:
They claim I took out a loan with them, but I did not. 
They say perhaps my identity was stolen, but my credit has been locked down for years. 
I have to manually unlock it, so I'm aware of every credit related transaction. 

Originally they had been calling every month or so for about a year. Each time I spoke with them I asked them not to contact me again. 

Recent logs ( as far back as my phone goes ) - XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Call unanswered XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Texted. Asked not to be contacted again. 
XX/XX/2023 - Asked them to contact the right person and not me. 
XX/XX/2023 - Two additional texts. 
XX/XX/2023 - Call. Told them they were wasting my time again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: WA

Complaint narrative:
I filed a dispute with Experian because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Experian, their site states Delinquent payments remain on your credit report for seven years from the original delinquency date, and even one 30-day late payment can damage your credit score. Of course, the more payment due dates you miss, the greater the negative impact is on your credit score. Its almost been 9 years. They said it will remain until XXXX XXXX  I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.

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 2023-12-09 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: NY

Complaint narrative:
In accordance of the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish an account without my written permission. 


As you can see above even with some of the accounts they show duplicates and the reports are not accurate at all. I am learning more and more about my rights and what can be done to prevent things like this from happening and affecting my credit reports unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I paid off an installment loan. 

Fifth Third Bank After the loan was paid off, the online account was immediately closed, and all records were removed. 

The following two days, scheduled payments that I could not cancel because they deleted the account continued to be withdrawn ( one of which I stopped from another bank ). The bank is saying they have no records of these withdrawal attempts, and I have to provide proof from my other bank because they didn't keep records of the additional attempted ( one of which was successful ) transfers. I was powerless to stop these because they had already closed my account. 

In short, Fifth Third Bank succeeded in withdrawing {$1500.00} from my checking account after the installment loan account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — Store credit 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: AZ

Complaint narrative:
First of all, I see that the cfpb closed my original complaint ( Complaint ID XXXX ) and I don't know why. This is far from being resolved, but since that complaint was filed, this is what has happened, which is really nothing to resolve it : 1. I have received at least 30-calls from Kohl 's . The 1st 5-6 calls were from XXXX XXXXs overseas to whom I made it perfectly clear that I would only speak to and deal with someone from the U.S., an American I can actually understand what they are saying. Those overseas people refused to transfer me to the U.S. 
2. After those 5-6 calls, I and out of the approximately 30-calls received, the next 3 said they could not send me what I was asking for, which was a detail of the purchases I made, they claim I owe for, showing my returns/credits, and/or credits for merchandise I never received. 
3. The next 4-5 calls, I would answer, and hear laughing and then they would hang-up, and then the next few calls, I would answer, they hung up, I could not hear anything. I know all of these calls were from Kohl 's because the name Kohl 's is displayed on my phone screen. 
4. What kind of corrupt yoyo company is this? I have now just stopped answering their calls. I now PREFER an American, I can understand, in the U.S., not overseas, email me so that we can get this resolved. I don't like owing money, and this has gone on for several months. These people hire some REAL NICE customer service reps!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I applied for an Income-Based Repayment Plan on XX/XX/. My student loans are serviced by Mohela. As of XX/XX/, the Income-Based Repayment Plan has not been processed and I have received no word from the company. I contacted Mohela on XX/XX/XXXX  to ask for a status update, but so far I have not received a response. In the mean time, Mohela sent me a bill for {$5100.00} due on XX/XX/. This is a sum I can not afford and would otherwise not be billed if my Income-Based Repayment Plan were processed on time. I am concern this will put me into delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2023 I spoke to a very rude condescending XXXX XXXX XXXX, ( at least that is the name he gave me from XXXX Tx ) ( XXXX ) XXXX. Since he refused to give me any information, I had to ask and then demand NUMEROUS times to speak to a supervisor, because he kept refusing me, and he continued to refuse to transfer me, telling me his supervisor is XXXX. Fast forward, here we are! Take a look at ALL Of the Complaints not only I have had to file against this lousy corrupt crooked bank but all the other consumers as well. How do they continue to stay in business?

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The card advertised getting a digital number and not having to wait for the physical card. It also did this during the setup process. This match is my expectations with the other two cards I have with the same company. I did not get the digital number. I spoke with managers and support and they said that this particular card is not eligible for that yet it is advertised as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am the victim of identity theft and I have disputed the XXXX XXXX account on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXXXXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX. I have done everything that I needed to do to prove that that is not my account.

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