vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened Online Savings on XX/XX/XXXX at barclaysus.com. On XX/XX/XXXX, I received an email saying that my account was suspended. I called XXXX and they said " it is confirmed fraud '' even though I answered all of their security questions. I asked them if they could tell me any reason for being flagged as fraudulent, and they said they do not have that information. Then, I received mail and emails saying that I could deposit. Then, I called them on XX/XX/XXXX and they said the mail should be a mistake and " it is a confirmed fraud ''. I told them they are legally obligated to tell me the reason and or reason codes and they said the fraud department does not share any information with them. I am not sure why they are doing this. I think this is nothing but a discrimination. There should be a reason for being flagged as fraud, but they do not want to tell me what it is. They say the account is not opened but I keep getting emails and mail saying that I can deposit. Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

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 2022-11-30 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: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

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 2022-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
When my lease was signed for my XXXXXXXX Polestar XXXX XXXX XXXX XXXX XXXX XXXX XXXX Polestar XXXX XXXX XXXX  of the lease states Polestar Is responsible for my maintenance and operational costs. 

In XX/XX/2022 I got a flat tire in XXXX XXXX  I then contacted Polestar Roadside assistance to have my car towed to the Polestar dealership in XXXX to get my tire fixed. Upon my car 's arrival at the dealership, the maintenance supervisor advised me I needed to contact Polestar Financial to get the authorization for payout in order to get my new tire installed.

I then called Polestar Financial and after multiple transfers and supervisors, I was told by the polestar management they would not honor what was agreed to and signed in the auto lease. It's been almost 2 months since I was told they would get back to me with a resolution and every time I call the supervisor just advises me they will call me in 1-2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Approximately XXXX of 2022 I realized I had fallen Victim to a couple of scammers that lasted over a year. I met these two women online who claimed to be psychic women and possessed Devine powers. They claimed to be able to eliminate any negativity from your life, being abundance, and any past relationships. I was young and very vulnerable when I met these people. I was fresh out of relationship and just moved to a big new city by myself. These people claimed they would be able to bring my ex back, but I had to put In the work and it was very important I never told anybody. Once all of the work was complete I would get my money back the transactions started off with a simple reading : {$20.00} for the first session. They claimed to found the reason why me and my ex broke up, and they were the only ones with enough experience and skill that could bring us back together. I would send hundreds of dollars at a time for the work to be done each time I came back with hope of the work being complete and me and my ex would finally be back together. However it resulted in the opposite. They told me the work wasnt strong enough and required stronger materials such as bigger crystals and stones. I paid THOUSANDS for these materials I took out a loan from XXXX XXXX for {$8000.00} USD and sent my whole entire paycheck one time because they said it was cursed and had to be cleaned. As you are reading this I know it probably sounds obscured but its the truth. I was in a very isolated time of my life and their tactics made me feel like they were the only ones that understood my situation. Remember, I wasnt allowed to tell anybody, and once the work was complete I would get all of my money back. I sent over {$20000.00} USD to these people before I realized the actual amount I sent. I have put myself further in debt because I fell victim to their scam. I have reported everything to CashApp on different occasions and each time leads me to a dead end. I tried to dispute the transactions but they were no help. I received a message that said along the lines sorry about the fraud. We dont intend for our users to be scammed. There is nothing else we can do I never received an email from them stating why they couldnt dispute the charges. Only a verbal no we can not do that no actions/precautions were taken by CashApp to support one of their customers and it left me losing {$20000.00} USD I have proof of all transactions and actions that I have taken in attempt to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In according to the Fair Credit Reporting Act the following account has violated my rights. 
15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.

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 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
My phone and bank cards was stolen I called the bank and told them there was some unauthorized charges on my account I point the one out from cash that I didn't do or use. So I waited 94 day for answer. They refused to tell me anything or haven't sent me a email or letter about my case. I started sending emails tell them I'm going to file a complaint on them then they told me my case is close. I'm still waiting on the reason my case got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Captail One had a data consumer breach and failed to inform me ; Capital One Data Breach Settlement, otherwise known as In re : Capital One Inc. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX  ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I would like this illegal and misleading information deleted from my credit report from credit acceptance corp. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days

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 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted AMSHER COLLECTION SERV regarding this debit and that I don't owe this and had a very default time .. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters. PEASE SEE ATTACH DOCUMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CRESCO CAPITAL INC.
State: GA

Complaint narrative:
First off you XXXX XXXX XXXX XXXXXXXX because you never do XXXX and you won't do anything on this one either but the time is coming when I'm gon na be able to XXXX XXXX XXXX XXXX  just like the XXXX this complaint is against. 
This case pertains to Lone Mountain in XXXX, XXXX relating to my semi truck of which I have not missed any payments nor have I been late. Lone Mountain has illegally repossessed my truck. In the month of XXXX I requested a deferment. Typically, deferments are 30 day or until the next payment date. I at first spoke with the rep via phone. The deferment was granted but then they informed me that the payment date was too close so they couldn't process it. I was then instructed to file a stop payment on it. It's documented. I informed the rep that I would resume payment on XX/XX/22 as this was the same day as the insurance payment that their sister company had sold me during this time period. I wanted them both taken out on the same day as I was informed that the billing company was the same. Thus, the deferment was only 20 days. The next thing I know prior to the XXXX I was being sent notices via email that they were repossessing the truck and cancelling the insurance.This is totally illegal, and I am demanding my truck back. The payment for both the truck and the insurance were in my account and I was fully prepared to make the payments as conveyed to the Lone Mt. reps. I will attach email correspondence which confirms the stop payment. By law they are not allowed to repossess my truck under such circumstances. Now they are proposing to auction my truck off. This is discriminating and violates federal and state regulations. There have been other patrons that have requested deferment without any issues. They have no grounds as my payment record will prove. I didn't even receive a mandatory by law 10 day notice prior to their taking it. The term termination letter was sent after they had already repossessed the truck. Moreover they had no grounds to terminate the lease nor repossess the truck. The court hearing is over and there have been no charges or storage. Below is the party that started XXXX XXXX That doesn't however include what they did from XXXX regarding the harness and hacking the computer. 

XXXX Account Manager Lone Mountain Truck Leasing XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NM

Complaint narrative:
XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

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 2022-11-30 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: NM

Complaint narrative:
XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NM

Complaint narrative:
XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

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 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
If the servicer that is correct I paid {$900000.00} for a {$270000.00} house Or {$600000.00} interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CT

Complaint narrative:
1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 

2. Promissory note is false. 

3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 

4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : 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