vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cashapp offers these short term loans... I've used them a handful of times... always paying balance in it's entirety early. 
Thursday the XXXX of XXXX, they started taking 10 % of every deposit..NO reason, no explanation, nobody knows " why ''. They have given me multiple confirmation numbers..but do nothing..for a total of 3 mystery deductions so far. Flat out stealing. 
It should be noted that customer service is rude, short, and loves running you in circles. Got ta dig to find out cashapp is owned by Block Inc ( cashapp, square ). Other than that? They have fake " help '' on the internet ... my favorite is the " cashapp fraud protection team '' XXXX XXXX XXXX, but they don't really exist. 
So, I have been waiting 1 week... today I caught on..not happy. 
In summary... they are making unauthorized transactions that have had me moving money, making calls, canceling appointments, and on the phone non stop. I have filed with the XXXX, the FDIC wasn't a good fit..but I'm seeking legal counsel. 
It's amazing frankly, I called for what I felt was a minor glitch ... turns out they are stealing..they know they are... they are not accountable. I look forward to taking them to court. I can't be the only one though... and it needs to get exposed, corrected. 
XX/XX/XXXX XXXX took {$2.00} XX/XX/XXXX XXXX. {$2.00} XX/XX/XXXX also Sunday. {$10.00} Only takes a XXXX to bounce a check ... and NOBODY is handing ME any breaks..I want them accountable. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
I submitted a claim for XXXX reimbursement for my wife 's transportation to the XXXXXXXX XXXX on XX/XX/year> in the amount of {$4.00}. A copy of the XXXX XXXX report was included with the claim to show that services were rendered on XX/XX/year>. There was no charge for the clinic service. The claim was denied for reason " Document missing expense amount. '' The document did not have an expense amount because there was no fee from the clinic for the XXXX XXXX. However, transportation cost should still be reimbursed. My claim clearly indicated that the {$4.00} was for XXXX XXXX. 

This is substantially the same issue as the processing error that occurred with my own recent claim for transportation to the same clinic. Optum Bank admitted that they made an error, but they obviously have taken no action to retrain their employees. As such, Optum Bank is perpetuating the problem. Only the most persistent customers -- those who complain to the CFPB -- are getting reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: VA

Complaint narrative:
This complaint is in response to a previous complaint # XXXX. 

In that complaint, a US Bank representative responded with a copy of the terms of the offer which I had requested over the phone previously however had received inaccurate information based on the written screenshots now given. 

Disclosure # 1 on Page 4 of that attachment provided by the US Bank representative states " ncludes this verbiage : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements '' and I had a {$5000.00} Direct Deposit enter my account on XX/XX/XXXX therefore 60 days from the last day of XXXX would be XX/XX/year>. 

In the response from the US Bank rep however, he stated that the last date for the bonus per the terms was XX/XX/year> by using the 90 day qualification requirements and starting the 60 day timer after that, which is contradictory to the terms attached in this document from US Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning Services has added over 400 inquiries about my personal information I did not give them consent to consume. Under the Fair Credit Reporting Act ( FCRA ) as a protected consumer. Im now opting out of any and all authorization I may have given you in writing, unwritten, verbal, non-verbal per Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) section 604 Permissible Purpose. Im requesting all information and inquiries be removed/deleted from my consumer report. I never gave any permission under Fair Credit Reporting Act ( FCRA ) section 604 to have my personal information reported on my Early Warning Services consumer report. Per 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party. ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. Also per 15 USC 6802 ( b ) ( A ), ( B ) and ( C ) Opt-out. 15 USC 6803 ( a ) ( 1 ), ( 2 ) and ( 3 ) Disclosure Required. I never received any disclosure from Early Warning Services. Per this law as the consumer I was required to receive a Disclosure letter. I will use 15 USC 6805 to enforce these consumer codes that have been broken. If need be I will make a Whistle Blow complaint with the Security Exchange Commission ( SEC ) as Early Warning Services is Co-owned by the major banks in the United States XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX and XXXX XXXX. I will also include all of the Indenture Trustee Banks if needed. I demanding all information/inquires be deleted from my consumer report within 4 days per the Fair Credit Reporting Act ( FCRA ). All information is unverified without my consent or permission. This information posted to my consumer report has caused me to suffer because of denial letters I receive from other Entities. This is FRAUD and must be stopped IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: RI

Complaint narrative:
I have {$3000.00} in a bank called XXXX XXXX XXXX XXXXXXXX through the XXXX company Juno. Starting on XX/XX/year>, I was locked out of my account due to the bankruptcy of a vendor that XXXX uses called XXXX. I have no way to get my money out. 

Additionally, I had a transfer in flight of {$2800.00} from a XXXX XXXX XXXX on XXXX account that has not bounced back yet. 

I would like to get access to these funds in order to move them to a local credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My XXXX XXXX XXXX XXXX was stolen on XX/XX/XXXX, and to this day Go Insurance has yet to pay out the remaining bank note to PNC Bank despite my numerous emails and attempts to reach anyone at XXXX  to resolve this. I am in the middle of applying for a new loan and the lack of attention and punctuality from XXXX XXXX is unfairly and inaccurately hurting my XXXX XXXX because this loan from PNC is showing as delinquent. 

Timeline : - Vehicle Stolen XX/XX/XXXX - Claim Filed with XXXX via the XXXX App XX/XX/XXXX - No response from XXXX, no email, no phone call, not even a confirmation email or text that my claim had been filed. 
- Had call with XXXX giving statement and starting loss process on XX/XX/XXXX. 
Vehicle was stolen XX/XX/XXXX, have police report and all that. Cant find total loss letter or anything like that. 
- Per emails from XX/XX/XXXX and XX/XX/XXXX between XXXX and I, she indicated she was waiting for payment to go through to lien holder. I said thank you and asked what the vehicles assessed value was, she then asked me how many miles it had. Seems like they had no idea what the value was yet, but were claiming to be waiting to have payment to lien holder go through. XXXX. 
- XX/XX/XXXX XXXX indicated via email she spoke with the bank ( PNC ) and was advised to allow a few days for payment to process in their system. Said she would give them a call by end of that week ( week of XX/XX/XXXX ). 
- XX/XX/XXXX crickets from XXXX between XX/XX/XXXX and XX/XX/XXXX, I send email to check back on XX/XX/XXXX and never heard anything from XXXX or anyone at go other than the chat bot since that email was sent. 
- XX/XX/XXXX XXXX XXXX at XXXX via XXXX chat system, told me to email XXXX XXXX at XXXX XXXX. My email to XXXX bounced, I left her multiple messages and never heard anything from her or anyone else at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
They wrongfully took signatures for a service was not provided and will never be provided. I never signed anything. This is fraud. Experian is the only credit bureau that reports this on my account. My wife XXXX XXXX XXXX XXXX successfully disputed and won the claim to be taken out of her Experian report as provided in the support ( screenshots of her account showing the deletion of this loan, her case is exactly the same as mine and XXXX has the same support for both ). XXXX have unauthorized information of mine including contracts I did not sign and driver 's license I never provided. My case is nothing different than wife because they are claiming the same contract. Please review the screenshots and check her account I can call and be on the phone with her if necessary. This is a scam I had to hire a lawyer for. XXXX provided the SAME supporting information for both of us. I'm requesting the immediate removal of this loan. This loan seems to cover a timeshare in which they claim I had access to but I never had access at all. I CAN NOT pay for nothing because no product or services has been received. Loan number XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have had a PayPal credit account for over a decade. They have recently become more and more annoying to do business with so I decided to open a new credit card with XXXX XXXX and balance transfer the remaining PayPal credit balance to end the financial relationship. 

I opened the XXXX XXXX account on XX/XX/XXXX and initiated a balance transfer. To do so, I had to gather the PayPal credit account number, which they do not provide. They give only a part of it. To get the full number, I had to pull a credit report. I set up the transfer as per instructions by XXXX XXXX. 

On XX/XX/XXXX, I contacted PayPal customer service to check the status of the account and was told in no uncertain terms PayPal Credit does not do balance transfers in or out. So I utilized the balance transfer checks XXXX XXXX provided to write myself a check and deposit it, then pay PayPayl Credit. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating my balance transfer was approved. I assumed it was for the check, until I checked my XXXX XXXX account and saw two transfers and two fees. I immediately contacted XXXX XXXX who were extremely helpful and understanding, but unable to reverse those charges. I was directed to contact PayPal.

I contacted PayPal on XX/XX/XXXX, once the overpayment was registered in their system, to request a refund. I was told a check would be processed and I'd receive it in 7 to 10 days. 

Today, XX/XX/XXXX, still having no sign of the check, I contacted PayPal credit again and was told the original time frame was incorrect because " reversing a payment '' takes 2 to 3 weeks. So at this point I'm stuck with a double charge on my credit card, two balance transfer fees, and the end of the month looming to just be extra sure I accrue extra interest, all because PayPal Credit gives incorrect information and refuses to account for why I was told things incorrectly or to expedite the solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY These OPENED AND CLOSED accounts should not be furnished on my consumer report as they are in VIOLATION. Ive submitted proof of Identification and Ftc Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Dispute initiated XX/XX/24 As of XX/XX/24 verification of debt and removal of inaccurate collection account has not been resolved or removed by 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXXXXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief