vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX XXXX stock # XXXX XXXX XXXX, I filed out the XXXX paperwork to get the credit to purchase the XXXX. XXXX XXXX XXXX XXXX XXXX gave Reliable Credit Association Inc, XXXX XXXX Bank, and XXXX XXXXXXXX XXXX XXXX my personal information without my consent after XXXX XXXX XXXX XXXX XXXX denied me credit. I am aware of my open-end credit plan which is my right to contract unlimited without being denied persuant to XXXX XXXX of XX/XX/XXXX and XXXX law 73-10. I overstand Under the Truth in Lending Act Title 15 usc subsection 1602 ( f ), ( g ), ( l ), ( n ), ( p ), 1605 ( a ), Fair Credit Reporting Act 15 subsection 1681 ( a ), and Equal Credit Opportunity Act 1691 ( a ), ( XXXX ) that I, XXXX XXXX XXXX a XXXX Man has been denied and/or discriminated against by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX BANK because these banks/companies violated the above referenced consumer protection laws by not extending me my credit unlimited, in which I extended to them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
My wife and I decided XXXX day to try XXXX XXXX because we heard of their great service. So, on XX/XX/XXXX, we went to XXXX XXXX and got XXXX cell phones. XXXX XXXX XT, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. We tried the cell phones for XXXX days and we were very disappointed with their weak coverage in our area. We had to go outside the house to get at least XXXX bar. You can't do that when it's raining. I always use XXXX to listen to music in my car, but with XXXX XXXX I couldn't even download the XXXX that comes first. Finally, XXXX days later, me and my wife decided to take back the XXXX-cell phones where we initially got them from. We took the cell phone back before the XXXX XXXX  expired. XX/XX/XXXX, XXXX cell phones were return to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have my paper receipt that states all XXXXcell phones were returned on XX/XX/XXXX. A XXXX weeks later, I got a letter from XXXX saying that I owed around XXXX USD. I went to the XXXX store with my XXXX  receipts, and they told me to give it a XXXX days to clear that I didn't owe anything. I went back XXXX more times to the store since the bill kept arriving at my mailbox. I was finally told to talk to XXXX main office because it was clear on their side. To make matters worse, a XXXX XXXX started asking for payment to cover a missing cell phone. As a result, I contacted XXXX support office more than once. Phone calls always turned long and with the same result. I quote here XXXX agent " I see that we only received XXXX phones at our warehouse. This is why you are being charged with the missing phone. Do you have proof that you returned all XXXX cell phones? '' I did email copies of my receipts. But I never got confirmation when asked to get XXXX. I was always told " I am still working on this, but I will send to you confirmation about this case ''. Never received anything from XXXX. However, this XXXX dispute has caused a negative impact on my credit report. This is not fair to me that I am being held responsible for a cell phone that did not make it to the warehouse allegedly. I got XXXX phones at the store, and I returned the same XXXX phones to the same store on time. I have receipts of those XXXX cell phones returned. My credit report has been tarnished from XXXX to now. How am I responsible for the delivery of goods from the store to a warehouse?

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 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have called at least 3 times to request the overpayment of 1 month and 2 days of the of the mortgage balance. I also had an impound accoount. I verbally requested the refund sent to me. All of these conversations have been recorded. The Refinance close XX/XX/XXXX and I received the Full Reconveyance on XX/XX/XXXX. The last conversation I had with XXXX ( XXXX ) around XX/XX/XXXX again requested the payment and asked if they can send the refund immediately. I also asked him if the company if complying with the FDIC rules. He said his company does not have to comply with those rules. I have already requests the refund 3 times and they are aware of the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have send XXXX $ through western union on XX/XX/2023 which they promise to receive on XXXXXXXX XXXX XXXX but the money is still not received until today XX/XX/2023 for this I reported many times to the company, the company is just telling to wait from last XXXX days so today I contacted to western union XXXXXXXX XXXX XXXX XXXX. In hope that she will give me fair resolution for my problem but She is saying directly we don't have resolution for your case you just need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on mycredit report that were not open by me. That has been hurting me as i am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have TRUIST debit card that was fraudulently used by several companies. Bank refuses to return the money. They say they will investigate but they have not even called me to ask any questions. I filed the complain in one of the bank branches and I have been back several times. I was out of country on a cruise XXXX so I could not have charged anything in those days. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: AK

Complaint narrative:
XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 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 2023-11-13 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: MO

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 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management
State: MO

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 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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MO

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 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXXl Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are unauthorized accounts on my credit profile. They have to be removed as soon as possible. I am human there is no XXXX party involved. I have reported to XXXX, FTC, and Texas Attorney General. I have documents attached provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: CT

Complaint narrative:
At the child get together my phone and wallet along with my sons cash app card and my other cards used to fraud and steel money were taken, then on XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX. {$200.00}, XX/XX/XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX. {$33.00}, XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$800.00}, I wrote both companies providers Card by XXXXXXXX XXXX and cash app. The said the saw no error. But my son was smart and finally logged us back into the apps, we regained access and saw the fraud. We told cash app that the fraudsters texted support acting as if they were my child to raise the withdrawal limits to take more funds.Cash app left the routing and account numbers on my kids account the same and the debit card numbers the same after knowing of the fraud. It is being disputed and appealed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I emailed the Executives at USAA to include XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter was in good faith to ask about the equities and securities I assumed I was entitled to being that I was the holder of such. XXXX also expressed possible securities and equities fraud that have been committed and to get an understanding to why finding the Trustee who services the account was difficult. Information that im privileged towards. When XXXX  XXXX  XX/XX/XXXX came aboutfirst business day since such email. USAA executives retaliated by closing every single account I had leaving me a veteran in pain and continued suffering. I think the world and those member 's of USAA should know about this if not reconciled by XXXX  I have reached out to media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S Bank closed my account ( XXXX ) on XX/XX/XXXX for " suspicious activity '' I had a direct deposit of {$3500.00} deposited into my account while my accounts were in the process of closure so I was due a cashiers check which I never received. I've called the bank several times, different people have told me different things I was told that they deposited my money into a XXXX  account at my home branch on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ca. I have gone to the branch several times as well, I was told they would be able to give me a cashier check for the amount due to me. I was told on XX/XX/XXXX that I would receive my cashiers check the following day, I went to the branch and branch manager was not there. I was told to come back XXXX  XX/XX/XXXX. I went and I was told that U.S bank rejected the claim so I can retrieve my money and that they don't know when I'll be able to get my money back from them. Everyone has been useless in trying to help me get my money back so please help.

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 2023-11-13 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: Radius Global Solutions LLC
State: MI

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-11-13 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: I.C. System, Inc.
State: MI

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which involved me making deposits for a total amount of {$130000.00} XXXX  from my Chase Bank account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
XX/XX/2023 I received and offer through XXXX XXXX for an company called " Auto Pay '' for an auto loan refi at 5.99 % for 84 months. According to XXXX XXXX I had a very good chance of qualifying. The lender called me and said He has not seen anybody below 6 % in over a year. He also stated I would be above 7 %. On XXXX XXXX 's and on better business bureau 's website I found XXXX 's of similar complaints. This is a pure example of bait and switch. I asked to speak with the XXXX department and was given an invalid number. I called back and was given a different invalid number. I have a print screen of the offer and recorded phone calls.

Company response to consumer: Closed with explanation