vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: IL

Complaint narrative:
I refer you to East West Banks response dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 2022-11-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX Acct # XXXX, The XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # 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 an 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 explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX  XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021.

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 2022-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: NC

Complaint narrative:
At the end of XXXX XXXX, I requested early early termination of my lease via the Tesla app, as is required by Tesla, and was given a quote of {$0.00} to return. Given no other option by Tesla, I had to save the quote while I searched for another car. However, the quote expired right after I'd put in an order for a new car, again from Tesla. After waiting approximately two weeks, because Tesla couldn't give me a delivery date, I went into the app again to complete the return of my current lease. However, there was a new quote for {$12000.00}. Tesla was unable to resolve the difference between the quotes, and opted to not return my downpayment for the new car, which was {$2500.00}. So, in summary - - Tesla is not allowing customers to buy their leases out - Tesla has misjudged the market value to such an extent that a XXXX old car, with no damage, and miles remaining, is upside down {$12000.00} - Tesla 's return and purchase program intentionally lack clarity causing consumers to be stuck in their lease, over mileage, without recourse - Tesla refuses to refund their down payment even in light of the confusion they've created I attempted to speak to Tesla on multiple occasions, however, I was simply simply referred to the 'app ' over and over again even with my complaints about the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
ALLYFINANC - XX/XX/2022 XXXX ALLYFINANC - XX/XX/2022 XXXX ALLY FINANCIAL XX/XX/2022 XXXX I have never authorized Ally to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as ally please remove there is no open accounts on my credit with ally as of XX/XX/2022

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Im XXXX I had a card lost or stolen at XXXX  XXXX  in XXXX Hawaii when I went to pick up a prescription. I immediately called American Express and they said they would issue a card immediately that took over ten days to arrive. Then the problems, harassment, texts and emails in the middle of the night, threats to ruin my credit started. It seemed impossible because I always pay extra and have auto pay on my account thats XXXX every month on the XXXX, the last day of the billing cycle. I called and they hung up, they extrapolated at least 10 payments in a 30 day period plus taking multiple auto payments from my account they were unauthorized to take. At the end of the day they started more threats, threatening to reduce my credit, make extra payments and sending threats about ruining my credit. Finically I called and they said they saw the problem but failed to Fix it for the last week. These idiots created a new account and billing cycle on a replacement card and changed my billing cycle in XXXX on my existing account Ive had since 2002. This is NOT the first time American Express has changed a billing cycle without notice to deny me points I earn on large purchases, like construction costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: TX

Complaint narrative:
Investment account with XXXX. All of my funds were in the Interest Account ( ~ {$8800.00} ). They have closed access to withdraws or any transactions, will not respond to any customer service lines, and essentially locked me out of my funds. Accounts were locked in mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ftc report attached I am a victim of identity theft, the information, superficially on my Experian Credit Report ; there are 4 fraudulent hard inquires, which appears on my Experian inquiries, does not relate to any transactions that I have made. It is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed!

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 2022-11-27 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: DE

Complaint narrative:
I have sent several certified mail attempts to try to resolve these issues XXXX XXXX XXXX  has continued to violate my rights per FCRA i am requesting that this account be removed immediately at this point I intend to seek legal action due to the length of time interest rates and agony this has caused me here is proof XXXX XXXX and XXXX have removed this account to incorrect and non-verification over a year ago

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 2022-11-27 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and this account GM Financial is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about 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
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 I sent out a letter to the credit bureau Transunion asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I called in and was told that my investigation was completed and updated. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. On XX/XX/2022 I reported the claim to cfbp and Transunion responded back XX/XX/2022 saying how they will fixed the issue. On XX/XX/2022 they said everything is a 100 % accurate. I am very confused at this point because the same problems are still showing on the account inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. Now all this cant be accurate the accounts appear to be furnished by the same creditor why reporting data different. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so.This is grounds for removal. 

They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 
Another thing is this issue has been on going with not type of result at all it has been damaging to my credit with inaccurate information.I have been trying to dispute many accounts with them for a while now and keep ending up with the same results with not having a proper 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 non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2022-11-27 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:
I had an air conditioning system installed on XX/XX/2022 by XXXX XXXX, who offered an 18 month same as XXXX XXXX XXXX, through XXXX / XXXX XXXX XXXX Synchrony Bank. Despite significant difficulties with their XXXX XXXX, I was eventually able to access the online banking system, set up auto pay. A few weeks later, I received my first statement, which was confusing to say the least. Despite a general reference to the XXXX XXXX, the statement does not show the payment required to avoid 26.99 % interest rate ; the statement does show a minimum payment of {$230.00}, which would take 9 years to pay off the loan ( plus an additional {$16000.00} in interest on a {$9500.00} loan ), 3 year payment of {$390.00} ( which would still accrue {$4700.00} in interest ). I called Synchrony customer service, spoke with an agent who confirmed they do not provide the proper payment for the promotion on their statements, it is up to the consumer to " do the math ''.

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 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I'd like to report Venmo for a " bait & switch '' promotion to get consumers to open new Venmo accounts ( probably directed at current PayPal users ). I have received, and turned-down, many offers to open a Venmo account for a {$10.00} credit ( e.g. have a saved email offer from XX/XX/XXXX ). On XX/XX/XXXX I finally " bit '' after receiving a solicitation for new Venmo members only, to open a Venmo account stating you would receive a credit of between {$10.00} to {$500.00}. The official rules called it a " sweepstakes '' and just require that you sign up before XXXX, XXXX and they needed a phone number, and your " payout '' would arrive within 30 days. ( When I first signed up I didn't even realize it was a sort of " sweepstakes payout. '' ) After I signed up my Venmo account was ( is ) live but EMPTY. On XX/XX/XXXX I got a followup email wanting to verify my e-mail ( which I had done in order to open the account in the first place ). On XX/XX/XXXX Venmo e-mailed again stating I was " almost there '' and now they wanted me to link a bank account! I wrote their customer service to complain and advised I had not received any credit XXXX On XX/XX/XXXX they e-mailed me another solicitation to accept a {$5.00} credit stating " It's been a while, we miss you '' and to show our appreciation accept this {$5.00} within 2 weeks or it expires. I did not accept that. I now see that the official " sweepstakes rules '' state if you accept any intervening offers from them it voids their {$10.00} to {$500.00} offer. Seems like a classic " bait a switch tactic. '' I wrote to Venmo customer service to complain I had not received what I had been promised to open an account with them on XXXX, XX/XX/XXXX & XX/XX/XXXX. At no time did they say I didn't fulfill all the offer requirements nor that they needed a bank account to be linked ; They always said to be patient and it would take about 30 days to see the $ arrive in my Venmo account. Baloney! I have received nothing but " lulling letters '' from their customer service ( I saved all these email communications in my XXXX  account. On XX/XX/XXXX I told them I felt they had misled me to open this account and that the CFPB " frowns upon '' this sort of thing to get consumers to open new accounts and if they didn't remedy the situation I'd file a complaint with the CFPB ( XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They have my credit rating that I'm using over XXXX per of my. Utilitization which is not true. I have XXXX credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting 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 2022-11-27 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: IL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX I deposited a check with XXXX XXXX  under my small business name. After getting an ein number, proof it was my account, other bank verifying funds and doing everything chase fraud department wanted they refused to release my funds after cashing the funds into my account and said that the person who wrote the check out to me should just file an endorsement claim but that would only be correct if it was fraud but this is not fraud I had processed check under my non business account by accident. They have been difficult to work with me and when I call they hang up on me when I let them know I am recording for my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
AVANT.com aka XXXX ( who handles the frauds, and also XXXX  XXXX ) I had fraudulent charges made in Virginia on XXXX XX/XX/2022 as a convenience store. These charges put my card over credit limit. I have been trying to get this fixed since around XX/XX/XXXX to no avail. Today, XXXX XXXX, after another 2 hours on the phone and being hung up on numerous times, I was told there was a dispute started XXXX XXXX. 

I need this fixed as it has cost me not only XXXX, but much time and energy. It is also effected my credit scores.

Company response to consumer: Closed with explanation