vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email on XXXX stating that my Chime checking account was placed on hold. I emailed that back a couple of days later to see what I needed to provide to get my account unlocked. I didn't receive an email back till almost a week later asking for documents like proof of address, ID and statement for the incoming deposits. I get direct deposit from my employer into my account as well as my XXXX that I have open as well. I also get deposits from friends and families when they XXXX XXXX me. I provided all documents Chime had requested. I kept getting the same email over and over asking for the same documents and that they're sorry they couldn't complete the verification. I have called customer support and all they could do for me is " escalate '' the ticket and to wait 24 hours. I have given them plenty of time to verify my identity. I have rent this week and my employer had already submitted payroll this Wednesday so I was not able to cancel my direct deposit for this payroll. She had also messaged me this morning and told me that the direct deposit went through when the representative I spoke to at Chime said that " Since your account is on hold, any incoming deposits will be returned to the issuer in 1-3 days. ". Then why did my employer say it went through? I'm highly dissatisfied with Chime and their customer support. I can't access my funds I've worked for to pay for rent and will be evicted soon if I do not pay. How can I do that if my funds are stuck in an account that Chime refuses to unlock even though I've given the proper documents they've asked for. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: NC

Complaint narrative:
The Company is USA auto Car dealership servicing financing buy here pay here dealership XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company closed boarded up seven months after financing a vehicle with them. i went there because my car was not running or working like it should it would only go up to 40 miles an hour. I was told when any of the cars where in need of repait that I was to take to any XXXX XXXX they would repair and honor my warranty. I did go to XXXX  and they informed me they would no longer honer US auto because there agreement turned out to be fraudelent with them as well. 2. next took my vehicle to a depended mechanic i always go to XXXX XXXX XXXX XXXX XXXX NC XXXX the car for them to see what was going on with my car, when i picked it up thye said they would not simply even touch the vehicle it seem to be the engine was bad along with some very serious electrical problems he would not touch it it was so bad. I will give you alist of of issues i found from the beginning to finance this car. XXXX the vehicle is XXXXXXXX XXXX XXXXXXXX it had XXXX mile when finaced asing price was {$24.00} dollars the downpayment in two parts was {$1400.00} to pay the vehicle off in full somehow became {$40.00} after i really dig downed and looked hindsight after i was not getting the monetary credit of my XXXX payments each month 2.In the the time i had the car I had to pay 3 different finace companies without notice the finace companies were changing, thay were Us auto financing, XXXX XXXX when my problem began, lastly car repossed by westlake finacing to when i inquired found out they were not a fince company but credit collection agency who ask me for full price of the car threatened to repossess the vehicle, many letters from them, as of a week ago theydid take vehicle at XXXX in the morning never knocked took my dmv tags with them which have reported my tags lost stole. i want remedy ihave had pain and suffering XXXX XXXX XXXX XXXX XXXX  XXXX for over 25 years XXXX  on XXXX  I used that car to get back in forward to treatment until I could not no more. You will ask did I not pay my payments any more after no warranty, I was not able to find who I was paying my money to, I was not given monetary full credit for the payments I did make, and yes I would not continue to throw my money in the air like that, My last payment to these XXXX XXXX was XX/XX/XXXX i believe. so i just want answers and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Commonwealth Finance is reporting a debt from XXXX XXXX XXXX in XXXX. I have not resided in Florida since XXXX. I have disputed this charge several times in which they have refused to remove from my credit. I did not XXXX XXXX XXXX XXXX any time since XXXX. If this is my account then Commonwealth has retolled/reaged this debt which is a violation of FCRA. I am requesting this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
In less than 3 hours, I have received over 25 calls from different phone numbers all from Central Mortgage company. I did not request information. They have refused to stop calling me. I have blocked all numbers that have called me. I have both denied calls and answered calls asking them to please take me off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX of XXXX I disputed a collection account with Experian. Experian did not send any correspondence assuring there would be an investigation. Experian ignored 2 Letter sent on my behalf. More than 60 days passed. In the second letter I asked them to delete the collection titled XXXX XXXX XXXX  The amount is {$4100.00} per FCRA law this is a violation. As of XX/XX/XXXX that item is still on my credit report. Im asking for help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I ordered a XXXX from a XXXXXXXX XXXX  seller who prompted me to pay with cash app. I paid half of the price, so XXXX at the start, and half when shipped, so XXXX when shipped. The seller sent me an old tablet with a bulging battery ( to the point the screen was coming off ) instead, and blocked communication with me. I reported the seller on XXXX and cashapp and requested a refund, but both actions have not produced results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquires. I have sent 4 letters to Transunion and they haven't done anything and this is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On Thursday, XX/XX/2023, I used the XXXX money transfer services to send {$110.00} from my back account with XXXX XXXX XXXX. I received a verification from my bank an hour later that the money was taken from my checking account and sent. A couple days later, I checked with the vendor that should have received the money but they said it never arrived. I trust the vendor because I have purchased from them before using a credit card. This is the first time I used XXXX services. I first contacted my bank ( XXXX -- XXXX ) and spoke to XXXX who was very helpful. She verified that the transfer was sent through XXXX, a service XXXX XXXX XXXX offers. She gave me the XXXX transaction ID of XXXX. I took that number and contacted XXXX customer service ( XXXX ) and they say they couldn't help me, to call my bank which I already did. I asked the XXXX employee on the phone why she could not trace the transaction and she refused. In fact, she hung up on me. 

The reason for this complaint is that this XXXX service has taken my money and not delivered it to its intended destination. Furthermore, they would not look into where the money went. I believe my money was accepted under fraudulent pretense. Please let me know if you need any other details. Thank you for the service you prove. I appreciate what your organization does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have recently started dealing with a debt consolidation company. I have informed my credit card company of this and updated contact information as suggested. Discover continues to call but now also calls my work. Every Day. I have never given them my work number or contact information. It is not listed on my account as a point of contact either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a bank account with Citizens Bank online on XX/XX/XXXX under a promotion to earn up to {$400.00} after certain requirements are met. First threshold was a direct deposit of {$500.00} within 60 days to get {$300.00}. Second threshold was to get {$2.00} for every debit transactions up to {$100.00}. I met both requirements but did not get the bonus. 

I contacted customer service via the phone 2 times and follow-up with chat messages. Via a phone call, a Citizens Bank agent claimed I was not qualified for the {$300.00} because the direct deposit came from a credit union. Via email, a Citizens Bank agent claimed I am not qualified to receive the {$100.00} because I must not be a primary signer on a previous Citizen Bank within 6 months and their record showed I have an account X months ago. The last time I have a Citizens Bank account was sometime in XXXX. Based on the bank account activities, I should be entitled to the {$400.00} bonus. 

Link to promotion : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Hello I did not see a selection that specifically dealt with my complaint, This complaint is specifically about the business practice of navy federal credit union application criteria process. 

The process is vague and flawed, XX/XX/2023 I made an inquiry ( live chat ) as to what specifically, were they looking for in order to apply for a personal loan, I specifically asked " can new members apply for a personal loan? '' the answer was yes, I then asked, How long do I need to be a member to apply?, I was told specifically, ( see text log ) as soon as the account is created, based on these comments, I made a decision to apply on XX/XX/2023 On XX/XX/2023 I received a denial letter with one of the factors being, I did not have sufficient time with the credit union, It felt like a bait and switch, As a new member, I would have waited until the required length of time and then applied for the loan. Either the representative is untrained or the credit union is deliberately enticing people to create accounts to get more applications, either way, I was harmed, I could have applied elsewhere and received the loan, this credit took that option away, At this point, I do not desire to take legal action, but would ask that my application be appealed and reconsidered without the factor of " length of membership ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: MD

Complaint narrative:
XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days this law because I am a victim of identity theft!!

These accounts should not be furnished on my consumer report as they are in VIOLATION| Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Sul to subsection ( c ) any consumer reporting agency may furnish a consumer report under ti following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CO to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of my bankruptcy accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted XXXX, Equifax, and XXXX on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes : XXXX XXXXXXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified XXXX, Equifax and XXXX on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified XXXX, Equifax, and XXXX my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with explanation