vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see the dates in the attachments where I have been trying to work with this Credit Bureau, and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit report after credit report to show it is still being accurately reported as an item of credit for myself. TransUnion keeps saying they can not and will not delete the remaining fraudulent accounts from my credit reports. Denying my claims and disputes, even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.

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 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MN

Complaint narrative:
we are a licensed used car dealer that obtained a vehicle persuant to minnesota statutes sections 514.19 and 514.20. we sold the vehicle to our client who has had it reposessed 2 times from the lienholder previous to our obtaining the vehicle. the first time it was returned and now this time they refuse to speak to us or give us any information about recieving our vehicle back.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I like to make complaint against Citibank My debit was locked and cant get access To online banking I used my debit card online to make transactions and it was declined about three times then citibank locked my debit card and access to online banking I try to call them to verify my identity to restore my debit card they just ignore me and keeping my account locked.. 
All my money is there from work direct deposit paycheck and everything I can not purchase food and necessities using my debit card because they locked my checking 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 explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE! 

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. Also the credit bureau took more than 30 days to complete my 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 explanation
Consumer complaint received 2023-08-16 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 XX/XX/23 I checked my Chase bank account and noted 3 XXXX transactions on XX/XX/23 for {$2000.00}, {$400.00}, and {$100.00} paid to XXXX were authorized. Another transaction for {$35.00} was paid to XXXX XXXX XXXX was also authorized. No text, no email, no calls received from Chase Bank for those transactions. 

I went to the Chase branch in XXXX XXXX and explained to an agent of what happened to my account. The agent called the XXXX number on the back of my card and spoke to another agent who reported that a complaints will be filled on my behalf I need to get rid of my old card, and Chase would send me another card. 

On XX/XX/ I tried to check my account online to find out that my account was locked and that I need to call the XXXX provided to get it unlock. When I called the agent told me that my account was locked because of the {$1000.00} XXXX transaction I made the day before. I have explained to the agent that I did not authorized the transaction and a week before that I have explained to a chase agent that I will NEVER MAKE A XXXX TRANSACTION USING MY CHASE ACCOUNT. Again no text, no email and no calls received from Chase for that transaction. 
The agent reported that it could be that someone hacked my computer because the problem is not from Chase. 

I have contacted AVG antivirus to find out why an my laptop was hacked while I have an account with them to protect my laptop and phone. I have paid {$220.00} to performed a deep scan on my devices and they found no suspicious activity on my devices. I have made that payment using my Chase credit card because my checking account was still locked and Chase sent me a text right away before allowing the payment. Chase also send me a text and a en email to remind me to pay my credit my credit card. 

Chase had retuned the {$35.00} for XXXX transaction and the {$1000.00} transaction for XX/XX/ transaction with a letter that said the money returned to my account is temporary while they are investigating. Another letter received that Chase Had decided not to return the {$2500.00} for transaction made on XXXX  because they have proof that Ive authorized that payment. 

I am not some criminal making transactions and then trying to scam Chase out of money. That money is from my rent, food on the table, car payment, insurance payment and most of all my sons tuition. 

PLEASE, HELP ME GET MY MONEY BACK FROM CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To TRANSUNION ; " You are fully aware of the dates and reports that " you '' are reporting that I listed in my statement. I was clear about the reason as well. I will not repeat myself. I will not do your job for you, you are required to make sure your report is 100 percent accurate! I am not contracted with you, I did not give you any consent, written or verbal. You are in violation of the FTC, my UCC Financing statements, the lien I placed on my XXXX  in The XXXX XXXX XXXX in the legal section that is Authenticated by the NC Secretary of State, copyright infringement, Infring on a private trust, identity theft, securities fraud, extortion, conspiracy, defamation of character, Civil and American Constitutional rights violations.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Verve violated the SCRA and FCRA by failing to place the account in SCRA status when I entered active-duty service, revoking my credit line, and providing negative information to a credit reporting company. After multiple attempts to get Verve to put my accounts in SCRA status, Verve charged off my account in XX/XX/XXXX. In XXXX, I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX and hired an attorney to send a letter to Verve to get them to comply with the Federal/State statue. Verve then retroactively placed the accounts in SCRA status and issued a credit leaving a balance of {$540.00}. However, Verve refused to accept responsibility for their role in charging off my account, which harmed my credit report. Verve 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required Verve to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Verve only agreed to retroactively limit the interest rate and refund me checks after I hired an attorney to send a letter and filed an official CFPB complaint in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention. 

The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management. 

I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX  in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning. 

I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard. 

I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability. 

Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector. 

Sincerely,

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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. 

The letters are stated with items and issues. 

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 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SF VAGO, LLC
State: AR

Complaint narrative:
I refinanced a vehicle loan via Statefarm Bank in XXXX of XXXX. I paid off my vehicle loan in XX/XX/XXXX. Despite placing over XXXX calls with customer service representatives of Statefarm Bank over the last 2 years, I have still not been issued an electronic title release to the state of North Carolina in order to receive my vehicle title. 

I have confirmed with the North Carolina DMV that the title is showing held up in their system & can not be released with a paper lien release. Multiple DMV employees have stated that they must receive an electronic lien release from the bank in order to issue my title. I have placed over XXXX phone calls in the last 6 months to Statefarm Bank communicating that the NC DMV must receive an electronic title release. I do not have records of every call, but most recently I have placed calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Additionally, when I have asked to speak to someone in the Titling department at the bank, I was advised this department does not have a phone number, email address or any way for consumers to make contact. I have been promised that I would receive a call from the Titling department on several occasions ( most recently on XX/XX/XXXX ) & have never once received any communication from this department. The only thing I have ever received since paying off the vehicle has been several paper copies of the lien release via mail, despite clearly communicating to the bank that the DMV will not accept paper releases and must be provided an electronic release. 

My most recent call on XX/XX/XXXX, the representative I spoke with, XXXX, advised that there is no update from the titling department. They have told me for the last month that the Titling Department is pending communication with the DMV regarding this issue. We have heard this several times over the past year with no resolution. 

It is clear that the bank is not taking my request seriously and have made it impossible to make contact with the appropriate parties which should be able to solve the issue. Consequently, I am unable to sell my vehicle because I can not receive a title. 

Please let me know if you need any further details. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I completed a transaction through paypal with a known individual via friends and family that were completed in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that sender of the funds initiated a buyers dispute against me and a paypal case was opened. Roughly 20 mins later Paypal unilaterally decided the case in his favor. Paypal has acknowledged to me that he claimed through his financial institution that all transactions were fraud. Paypal reversed the transactions and are claiming that I have to reimburse them approx. {$1500.00}. I have evidence that the transactions were entered into legitimately and with a known individual. I have XXXX posts, messages, as well as a signed document when he took receipt the games that he reimbursed me for. Paypal has advised me that I have no recourse as the transactions were completed via friends and family and the financial institution issued chargebacks. However, XXXX ( XXXX, etc. ) provide chargeback rights for only 120 days after the posted date of the transaction. These transactions exceeded that timeframe not only of the card processor but also Paypal 's own policy of 120 days from the transaction date. Additionally, although PayPal is not truly considered a financial institution, my understanding is they are still held by government regulations such as Reg E. I would appreciate contact if this is a matter that your law firm would be interested in reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I opened an online bank account with ALLY BANK. Yesterday ( XX/XX/XXXX  ), for some unknown reason, ALLY BANK has locked my account citing only " suspicious activity. '' I've called ALLY BANK 7 times asking why my account was locked and they will not tell me what this alleged " suspicious activity '' is or was. I asked them when my account will be unlocked and they said there is no time limit. 

I have never had this happen to me before. Can someone please advise me on what to do? This can not possibly be legal. They can not be able to just lock my account for no reason and with no time limit to fix it.

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