vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: WA

Complaint narrative:
Hello, Block has my interest account in a necessary cold storage situation. I am concerned that the funds in my investor wallet are in cold storage and want to ensure that they are not being used to satisfy secured creditors if bankruptcy comes for Blockfi. They have paused withdrawals and transfers so I can not access my funds at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: IN

Complaint narrative:
This creditor has failed to validate a late payment. The refused to send me anything in the mail to validate this debt. XXXX and XXXX removed this account due to an error. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of 2022 -Balances XXXX  out every month -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 explanation
Consumer complaint received 2022-11-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.

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 2022-11-19 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX XXXXXXXX XXXX  shirts for {$230.00} at Macy 's in XXXX, MA. The computer malfunctioned during the transaction and they moved me to another computer and checked me out. I used {$10.00} Macy 's money on the final transaction bringing the price to {$220.00}. When I got my credit card statement I saw {$450.00} on it. I disputed the transaction but they denied it because the amounts were not the same, despite me explaining the reason for the difference and the proof being in the receipts. They also confirmed on the initial phone call that the bar codes matched exactly. The disputes department did not do their due diligence when researching this issue and I am stuck with a {$230.00} bill for a product I didn't buy.

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 2022-11-19 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a sears account in XXXX of XXXX, I paid and made all payments on time in XXXX of XXXX sears reported that I made a payment 30 days late AFTER the due date which is false, the months before I made 2 payments for a total of {$150.00} dollars in XXXX, an made another payment in XXXX for {$50.00}, after my efforts to try an dispute it from XXXX failed cause sears said that the information is accurate, my account which showed what was paid was disabled/removed and sears reason for deleting my account that PROVES I made the payment was that it was supposed to be deleted because we CLOSED YOUR ACCOUNT for inactivity, I still have the receipt that sears sent me before closing the account because i saved it, an I would like this to be resolved, since this is the only DEROGATORY mark on my 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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, I was attempting to put XXXX dollars in cash into my Chase checking account, and being that I had already walked 5 miles in a new city, I settled to deposit my money using the nearest atm that would accept my card I was well aware they would charge me a fee for depositing the same way if I were to withdrawal the bank I went to was XXXX bank to deposit the funds. After I deposited the cash I was told my the atm screen my deposit was complete. But it did not give me a atm slip as I requested when I put my card in. I checked my account immediately before leaving the atm and the funds weren't there. I put my card back into the atm and I would not accept my card after that it. It kept saying card not accepted. And then it gave me a atm slip saying the same thing. I went inside XXXX bank to discuss what happened with them to see if they could explain the process of what just happened, I was told that all I would have to do is wait 24 hrs and the extra money would be sent to chase after its counted.After that interaction I was able to get a ride thankfully to a chase bank. I was given the customer service number to call because they claim they didn't see any transactions done. I called the line the same day they opened an investigation I gave them all information they requested in that moment I was given a XXXX dollar credit temporarily. Less than 2 weeks later I received a letter the same day the money was taken back from my account. According to chase its my fault I put my money in another atm even though their policy says you'll just be charged a fee. I have a atm fee on my account for using the atm but no money has been deposited yet. Chase has blamed me and told me this is the first time this has ever happened and continues to be rude and disrespectful even though I told them I walked 5 miles and had no GPS and im new to the city. I kept being told I should have just went to chase instead of them trying to help me I was lied to by a representative saying they would re-open the case and returned the XXXX dollars which they have recorded but they never did and the supervisor I spoke to kept lying and never addressing that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finance lease end buy-out interrupted with Covid-19. I paid off vehicle in full XX/XX/XXXX. XXXX agrees and acknowledges to CFPB full payment received XX/XX/XXXX. - see attached highlighted dispute response XX/XX/XXXX. Bank statement of my payment withdrawal also attached. Repeated ignored follow up calls and emails to XXXX XXXX XXXX XXXX for them to complete title transfer after they received funds- see attached records. They wouldn't process transfer paperwork for 4+ months. A XXXX Service Rep told me the paperwork on my XX/XX/XXXX purchased vehicle was also sold to wholesaler. Rather than accepting error, XXXX continued false charge-off reporting thru XX/XX/XXXX. They have been made are aware and continue to provide incomplete and inaccurate responses to XXXX and CFPB. To date, XXXX refuses to provide me a breakdown of payments made ( including lease extension payments ) against actual amount paid at XX/XX/XXXX buyout. And why they had reported charge-offs into XXXX. For 2+ years XXXX has violated my Federal and State rights under FCRA and has made inaccurate statements to CFPB on this matter. They refuse to provide confirmation documentation of the sales price per terms of lease buyout ( extension payments should have been deducted ). Hyundai Motor finance has a serious history of consumer credit reporting violations as evidenced in the most recent XXXX XXXX penalty for widespread credit reporting failures.

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 2022-11-19 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: WI

Complaint narrative:
XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with XXXX  XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from XXXX  XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was discharged in bankruptcy which is also 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 2022-11-19 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: LOBEL FINANCIAL CORPORATION
State: CA

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 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a 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 2022-11-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX  XXXX Account Numer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a 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
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was automatically declined for a US Bank checking account without explanation. This means I will miss out on their {$500.00} bonus sign-up that expires in 2 days. I have already had trouble and faced rejections for being a XXXX  woman from other banks as systems think my legal name change is fraudulent. I would like clarity and verification for the reason why I was rejected.

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: IN

Complaint narrative:
I have requested to withdraw {$180000.00} of my wallet funds out of my account with BlockFI on XX/XX/2022. I have received an email that my transaction is in progress/pending, it states that it takes 2-3 business days for the transaction to process, currently my transaction is still pending to this day as other users have received their funds per social media posts. On XX/XX/2022 i received an email from BlockFi stating that they are pausing withdraws and no actions have been taken since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc
State: MD

Complaint narrative:
I transferred XXXX GUSD and XXXX XXXX into my Blockfi wallet so to transfer into my XXXX account on XX/XX/2022 at XXXX. I got confirmation that it went into my Blockfi wallet. I got two emails from Blockfi requesting to complete identity verification using my ID ( this case I used my drivers license as my ID ) to complete the transfer into my XXXX XXXX account. I got confirmation on both regarding the id verification. 
Both transactions were still showing as pending as of XX/XX/XXXX. Today XX/XX/2022 I received an email from Blockfi that my XXXX transaction request is cancelled. Both currencies are still in the Blockfi wallet. I wish to transfer my funds out of Blockfi to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
ACCT # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Breach of trust {$500000.00} liability surety tax. subsection c laundering of money under USC 1956, civil rights act 1983, and trespassing.

according to ( 26 USC 7201 ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution.

Tax owed by taxpayer {$58000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, 1099A, 1099B, 1099OID Original issue discount Forms 1040. violation of 1983, 1985,1964 civil rights Acts. stealing Federal funding 40 % of taxpayer money and putting it in a private CAFR Account and Embezzlement.

The tax forms 1099A, 1099B, 1099C, and 1099OID, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$58000.00} to ally that was delivered to the on XXXX XXXX After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. USPS XXXX XXXX [ 15 USC 1635 f ] - right to rescind the contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc

Complaint narrative:
I am a user of BlockFi - an cryptocurrency exchange and lending service, where I have roughly {$370.00} of XXXX in my 'Wallet '. In BlockFi 's terms of service ( https : //blockfi.com/wallet-terms ) it states : XXXX ) The title to the cryptocurrency held in your BlockFi Wallet shall at all times remain with you and shall not transfer to BlockFi. 

XXXX ) Except as required by a valid court order or applicable law, BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in your BlockFi Wallet unless specifically instructed by you. 

Recently BlockFi have been financially impacted by the collapse of XXXX ( another cryptocurrency exchange ), and have made the following announcement : " Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a withdrawal transaction in a 'Pending " state, that I created on XX/XX/XXXX at XXXX XXXX, which I initiated a number of hours before receiving this announcement in an email from BlockFi. 

BlockFi have been silent for the past week, and there have been news articles circulating that suggest that BlockFi is likely to declare bankrupcy in the coming days/weeks. I would argue that BlockFi are in violation of their terms of service by preventing me from withdrawing my asset, and I'm worried that my asset will become completely inaccessible to me if BlockFi were to declare bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: SYNCHRONY FINANCIAL
State: CA

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 XXXX XXXX Acct XXXX, Account name : SYNCB/CARE CREDIT Acct # XXXX Account name : # XXXX XXXX Acct 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 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