vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
My complaint is against cash app. Or square inc . 
On XX/XX/XXXX I was incarcerated. Being pulled over. Because my vehicle was on private property they did not tow it. 
On XX/XX/XXXX my car was broken into and the criminal XXXX XXXX stole my cash app card. He then used it for multiple purchases exhausting my money on the card of {$470.00} I noticed this when I logged back into cash app after being released from jail on the XXXX. I immediately started disputes. Due to the fact that I didn't have my cash card I can not access my email address associated with the account. I also didn't have the phone and number associated with my cash app. It would not let me log in. I have called and emailed cash app several times and each time they go through the whole process until the very end where they tell me they're going to try a one time money transfer between my existing and current accounts. ... They always come back to say due to security reasons we can not grant you access to this account. And when asked why? they say unfortunately we can not provide me with any further details. And that's all that happens. I have tried explaining to them I have tried to prove it to them with different information and they still can't help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to the Fifth Third branch in XXXX, Illinois on XX/XX/21 to deposit two money orders, one for {$270.00} and one for {$100.00}. I asked to deposit them both and get {$100.00} in cash. The teller informed me that because I had less than {$100.00} in my checking account ( my balance was ~ {$25.00} ), I would need to pay a {$5.00} fee in order to get {$100.00} in cash. I decided against paying the fee and deposited both money orders instead. 

This was surprising and rather nonsensical for the following reasons : -How does my payment of a {$5.00} fee make it any more likely that the deposited funds will clear? 
- Money orders are practically guaranteed available, unlike personal checks. 
- This fee seems specifically in place to target low balance accounts. 
-This is a high fee compared to the amount of cash I was trying to withdraw. 5 % of {$100.00} is a 5 % fee simply to access funds a day or two earlier. 

It would make sense to hold the funds according to the funds availability policy, if they are truly concerned that the funds ( although they were money orders ) would not clear. However, allowing depositors expedited availability at a fee, is more indicative of a short term loan, than a funds availability policy, since a {$5.00} fee does not make it any more or less likely that the funds will clear ( again, we're talking about money orders not personal checks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried To use This service Called XXXX And they blocked the transaction and account requesting tons of documents, their request are very strange an un usual, because I already transfered funds Using XXXX In the past, so they know very well that I'm myself and stil requested personal documents and thats against the privacy law Also if internet is not secure enought, then they should go offline and stop wasting customers valuable time they Are simply a bunch of incompetents that are not compatibles with internet and the web, they Answers like robots they have serios problems with their sistem since they can request the same exact documents a XXXX times, shameless and they are also a company of arrogants with a service that isn't priced good at all, their currecy exchange rates are not good at all, at least not for this planet They have to explaine, whty they request the same private documents unlimited times, for example XXXX times, what they are doing the multiple copies of customers private documents that they stack somewere in the XXXX or XXXX, since they probably don't have the funds to pay a salary to a us citizen Also they have to completely remove my private documents from their XXXX expensive system since I will never approve and use them again they are a bunch of Incompetens and they are not compatibles with the standards availeble in this world/planet market I will send further complaints on the web when and if needed, and the complaints are also unlimited, for them complaints are like a marketing strategy, they are really a strange company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of JD Byrider by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and CNAC, XXXX XXXX XXXX XXXX XXXX, and JD ByRider breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and JDByrider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Absent any reason for its decision, CHASE bank will not open a checking account under my name. I do not owe CHASE money and I never abused CHASE account or conducted unauthorized or suspicious banking activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX, I opened a Citi Bank Double Cash Card. My account statement for the billing period XXXX XXXX, XXXX XX/XX/XXXX showed a rewards balance of {$470.00}. The next account statement I received, which was for the billing period XXXX XXXX, XXXX XXXX, XXXX, showed that the bank rescinded the cash rewards points I had earned, leaving me with a {$0.00} rewards balance. I am a senior, and as with many seniors and people of all ages, I had to significantly change my spending habits in response to the pandemic ; as such, I had no activity on my card from XXXX XXXX XXXX. 

Though the account remained open between XXXX XXXX XXXX, I did not receive any statements or other communications from the bank or credit card company ( XXXX ) during this period of inactivity. I also did not receive any notification or warning that I was approaching 12 months of account inactivity, and was at risk of losing the rewards points, or guidance with steps that I should take to avert the loss. 

Upon receiving a statement for the billing period XXXX XXXX, XXXX XXXX, XXXX showing the bank rescinded my {$470.00} rewards, leaving me with a {$0.00} balance, I immediately called the banks customer service number ( XXXX ) and spoke to a representative named XXXX. He told me that he put forth a " request for courtesy reinstatement of points to The Team ''. He mentioned my good standing and this was a one-time request. 

I received a form letter ( attached, dated XXXX XXXX, XXXX ) denying the request to reinstate my balance of {$470.00} rewards points. On XX/XX/XXXX I called the customer service number provided on the letter to ask for a review of my situation since XXXX had suggested he expected that I would be granted the courtesy reinstatement. I was transferred to a woman who declined to provide further assistance, and insisted that the letter I received indicated that my file was now closed and there were no further steps she would take to reinstate my {$470.00} rewards points balance.

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 2021-12-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAD TWO CREDIT CARDS WITH CAPITAL ONE. CAPITAL ONE ALLOWED MICROSOFT TO CHARGE BOTH CARDS WITHOUT MICROSOFT NOT HAVING MY NEW CARD NUMBER AND THEN WHEN I DISPUTED THE CHARGE THEY INITALLY GAVE ME BACK THE {$75.00}, THEY MICROSOFT REJECTED MY DISPUTE SO CAPITAL ONE ALLOWED THEM TO CHARGE ME FOR OFFICE 365 WITHOUT ME PURCHASING IT. 

IN ADDITION AND THE WORST PART OF THIS IS THAT I WAS FORCED TO BUY MICROSOFT OFFICE BUT DO NOT HAVE ACCESS TO IT AND I CAN NOT REACH MICROSOFT TO GET THE CODE AND CAPITAL ONE REFUSED TO GET THE CODE. SO I HAVE PAID FOR SOMETHING I DID NOT PURCHASE AND NOW I CAN NOT EVEN ACCESS IT. 

I EITHER WANT THEM TO RETURN MY MONEY OR IF YOU CAN REACH MICROSOFT, AND GOOD LUCK, GET THE CODE OF WHAT THEY STOLE FROM ME FOR THIS SOFTWARE SO THAT I AM ABLE TO USE THE SOFTWARE THAT THEY STOLE MY FUNDS WITHOUT A PURCHASE. 

THIS IS FRAUD ON BOTH CAPITAL ONES PART AND MICROSOFT. HOW THE XXXX DO THEY GET AWAY WITH GOING TO THE BACK END OF MY ACCOUNT AND STEAL MONEY WITH NO PURCHASE AND WHY DOES CAPITAL ONE ALLOW MICROSOFT TO DO THIS? 

THIS IS THEFT AND FRAUD AND HOW MANY PEOPLE ARE THEY STEALING FROM BECAUSE THEY WILL ARGUE ITS ON A REVOLVING ACCOUNT. HAVE YOU EVER TRIED TO CANCELL ANYTHING WITH MICROSOFT? ITS NOT POSSIBLE. 

SO I WANT THIS INVESTIGATED AND I WANT MY MONEY BACK BECAUSE I CAN NOT ACCESS THE SOFTWARE, YET THEY STOLE MY MONEY WITHOUT PERMISSION AND HERE WE ARE AND I NEED THE SOFTWARE TO LOOK FOR WORK. 

I WANT THIS CORRUPTION STOPPED AND I WANT MY MONEY BACK AS ON MY LAPTOP THEY ARE ASKING FOR ME TO PURCHASE AGAN!!!!!!! 

P, LEASE GET TO THE BOTTOM OF THIS AS IT IS FRAUD AND ITS CAPITAL ONES FAULT. THEY ARE APPARENTLY AFRAID OF THE COMPANY OR THEY HAVE A CONTRACT TO ALLOW MICROSOFT TO STEAL FROM ANY NUMBER OF MILLIONS WITH A CAPITAL ONE ACCOUNT SINCE MICROSOFT AND CAPITAL ONE HAVE CHARGE BOTH CARDS I HAVE SINCE CLOSED BOTH ACCOUNTS SO THAT THEY CAN NO LONGER CHARGE ANY OF MY ACCOUNTS AS THEY ARE DOING IT ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: SC

Complaint narrative:
XX/XX/2021, Experian is reporting a account that shows XXXX, XXXX and XXXX  60 days each. There is now way a account can be 60 days late 3 months in a roll. I have disputed this account with Experian and XXXX XXXX twice. Experian responds that it investigated with the furnisher and the account is verified. So I have decided to file a complaint of the inaccurate reporting on my consumer credit report. I have attached my most recent consumer credit report as proof that Experian is not exercising the Fair Credit Reporting Act laws. 15 U.S code 1681 clearly states that consumer a required by law to have a ACCURATE consumer credit report. DELETE THE XXXX XXXX  ACCOUNT FROM MY CONSUMER CREDIT REPORT FOR INACCURATE CREDIT REPORTING 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 explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as 400 less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXXr.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a federally protected consumer and I am fully aware that Transunion has violated my federally protected rights by reporting inaccurate information on my consumer report, which caused me to be denied on several credit applications.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA XXXX however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within XXXX mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting

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 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 US Bank was supposed to pay my credit card with a check. They chose to pay with an electronic fund and refuse to give me proof of payment. 

I have asked repeated on a weekly basis for a trace number or transaction number showing proof of payment. They will not respond to the request.

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