vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
I was supposed to go fishing on XXXX  XX/XX/XXXX for two people with XXXX. I had prepaid that in advance with your group. It was stated as a 4-Hour fishing trip. It took 30 minutes to get out to the fishing spot and 30 minutes to get back. That would leave 3 hours of fishing. They only allowed us for to fish for about 30 minutes towards the end of the boat ride. We complained on board but they didn't care. 
I went to the XXXX desk when I got back to the XXXX XXXX XXXX resort and spoke to XXXX. He said to dispute the transaction with my credit card and that I would get the money back. {$330.00} I believe

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Company website indicates that you can cancel " pending payments '' within their portal. However, there is no visible or viable way to do that navigating through their web page. You have to call to cancel any pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Repeated calls to me and my spouse. Sent a false garnishment notice on XX/XX/year>. Debt is passed the statutes of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
Kickoff credit promised to raise my score significantly and pay me the money I out in it back to me. Well I never recieved any money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: LA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Ava Finance, Inc
State: NY

Complaint narrative:
I have an account with Ava finance to help build credit. I have been making payments for the last 6 or 7 months with no errors. With Ava finance, the app has to access your account through the company called plaid in order to connect and make payments. If the your account balance is low, they will not take a payment. Ive tried several different ways to access this account even using different accounts that have funds to make money Payments, but Im unable to access the account for last two months and even still to this day. so no payment has been made and I still can not correct this. I have contacted Ava multiple times through both of my emails XXXX and XXXX and even been calling their phone line ( XXXX ) XXXX. Numerous times. An automatic reply comes back, tells me troubleshooting ideas. Delete the app reinstall try it again. It also asked you to send your drivers license so they can verify you. I did all of that. Still, I can not enter the account to make a payment. Ive called them no one answers. Someone replied back to one of my emails that the company reported the correct info to the credit reporting agency. Totaling ignoring the fact why the payment can not be made and didnt even address my concerns. The reporting agency dropped my credit score by XXXX points cause of this. They listened to the info from the Finance company but nothing is fixed and has not been addressed properly so I can fix this account. I want to fix this account and restore my credit to back to where it was without all this damage made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
On Saturday, XX/XX/XXXX, I sent {$1500.00} to the XXXX XXXX via MoneyGram ( Reference No. XXXX ) for home delivery on the same day. However, the money was not delivered. On XX/XX/XXXX, I contacted MoneyGram and spoke to a representative about the undelivered money. They informed me that they would open an investigation, but it could take up to 90 days to resolve. In the meantime, my parents in the XXXX XXXX are in need and don't have the money to buy their medications. This situation is unacceptable, and I'm unsure about what steps to take to either get my money back or have it delivered to my parents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2024 XXXX XXXX attempted to charge me {$190.00} for services I thought were cancelled because of my dissatisfaction with their product. XXXX XXXX placed the charge on a previously cancelled credit card. The previously cancelled card was cancelled because of unauthorized charges over a year ago. Instead of Capital One notifying the merchant the card was no good and to contact me, Capital One just moved the charge to my new credit card. This has happened on too many occasions and I am tired of it. I reported this to Capital One and was told they would cancel my card and issue a new one. I needed my card for vacation next week and was told I needed to pay {$16.00} for expedited services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I have used cash app for more than two years with out any issues. Than one my account was town was compromised and I became a victim. I notified them immediately upon finding out and I filed disputes. It was blatantly clear that none of the charges that were accumulated in mind and then I made them charges and although this was the case cash out through there investigation decided to say or claim that there was no wrongdoing or no wrong charges and then went into retaliation mode and close my account and in doing so removed all records of previous transactions that were stored in my confirmation. I believe this was in retaliation to the fact of me find a dispute. I've been told by others prior to this day if you have a dispute their retirement and they just close your account because they don't want to pay out the money that they should be paying you back because they know they allowed charges to go through and they shouldn't have I find them being totally 100 % responsible and liable for all and the transaction event have occurred that were not authorized. I am in need of all my friends that were wrongfully taken to the return and for a heavy fine to be leveraged against this company for their participation in the criminal enterprising of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> my computer and accounts were hacked and I tried to resolve the issue with USAA over fraudulent charges. Initially they were great the charges in question were reversed. There were charges at multiple stores within the mall : XXXX for XXXX, XXXX, and XXXX totaling XXXX. Then the card was attempted to be used at the XXXX XXXX  for XXXX and then XXXX both of which were declined ( and have since disappeared from my pending charges ). As this was occuring I received a text from USAA about fraudulent charges that had multiple line items and I recognized several ( including a payment I had made earlier in the day ) I didn't notice the XXXX charge which was the first one listed. Once I contacted them regarding the charges hours after the event I stated that I responded Y to recognizing the charges but had not seen the first line item on the text and that was fraud but the others were not. I went through every charge I had made and verified all charges except the XXXX in even increments. They shut down that card and sent me a new one overnight. 
Next I contacted all three credit bureaus to put fraud alerts and a credit freeze for my ssn. The freeze and fraud alerts are still in place to this day. 
I continued on using the card as I normally do until the XXXX in XXXX  charges were put back on my account on XXXX. I received letters stating that they were not fraud ( despite them recognizing and declining similar charges and amounts within minutes of the XXXX  ones for fraud suspicion ). I contacted them back on XXXX after receiving this letter, restated my frustration and was told a supervisor would look into it and reach back out in 3-5 business days. I have heard nothing from them and am not getting any resolution even when I am told it is being looked into, nor did I ever receive any information regarding why they determined there was no fraudulent activity. I have a 20 year banking history with USAA for checking, savings, and insurance although the credit card was opened this year and am disappointed that I can not get any resolution and they are not upholding the fraud liability as originally stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I ended up agreeing to pay the debt off a less than what I owed with an agreement that the late payments would be reported as on time. I knew not to trust the representative.

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 2024-06-22 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-22 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-22 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-06-22 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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