vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/2022 I have requested a validation of debt, to understand why Ally Financial was requesting for payment, when the contract was with a different party. I never received any check stating an amount of money for a loan. 

They have not fulfilled my request, and trespass on my property on XX/XX/2022 to take the vehicle while I was in peace playing with my children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA. After the complaint was submitted, the Company, Cascade Capital Funding LLC corresponded by pointing fingers at who released my medical records to them, a third party. When, in this same case, the same letter, from Cascade Capital Funding, had my medical records inside. The letter sent to me did not have documents bearing my signature that I gave the authorization to release my medical records to third-party contractors. This is the first, failure to validate, and it is a direct violation of HIPPA. In conclusion, this HAS to come off of my medical records, immediately. All parties involved has to delete this from my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
Applied for a line of credit with this company. Was approved pending payment of a {$250.00} deposit. The account sat open but the actual line of credit was never released so that I would have access to it. I decided it wasn't worth the effort so I closed the account and requested that my deposit be returned. For over a month, I heard nothing from this company. So I filed a complaint with the XXXX. Once they received that complaint, I got an email stating that the system no longer had my back account information and they needed that information in order to return my deposit. Additionally, they stated that they were short staffed and that is why it has been taking quite some time to respond. I responded to that email with the requested information and to-date, I have not heard back from this company and that was over a month ago. I've sent several emails asking for a refund and I do not hear back from them. I would like to have my {$250.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I transferred XXXX $ then XXXX $ through banking XXXX to a person who texted me asking me to buy a laptop from them ( I was looking to buy one on XXXX ). I sent the money as a down payment, but the seller claimed the money had never been received. I hassled with him for a while, but after he asked me to send more money, I realized I had been tricked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Company denied me for a checking account based on credit score. 



XX/XX/2022 XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX XXXX was denied an extension of credit by PENFED. On XX/XX/2022, I applied for a Free Checking Account. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). PENFED has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both proof and evidence that I have been discriminated against, you are also criminally liable. PENFED CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX, XXXX. 
Without prejudice, all natural inalienable rights reserved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have an amazon 5 % card. In XXXX it showed I had XXXX cents in rewards. I log in today and it shows XXXX rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX at XXXX to XXXX XXXX  I had made a atm deposit of about XXXX $ cash with XXXX eye witnesses with me I tapped my card put my pin in inserted the cash atm started counting for what felt like 5 minutes then the screen went white and error popped up and it said this machine can no longer take cash deposits I call the bank the following day and they said they will start an investigation about 10 days go by and I call them back and they claim they broke down the atm and found nothing I asked they look at the cameras because I was for sure there and they said its a 3rd party who manages the atms this is chase bank on XXXX and XXXX in XXXX Colorado I am very upset with XXXX as I just opened this account and it is my first bank account ever Id really like this to get resolved as I have bills to pay and XXXX is a pretty big setback when your on minimum wage!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank
State: CA

Complaint narrative:
I paid my balance and to be sure I covered all outstanding charges I added an extra {$50.00}. This was over 90 days ago and I have not received the positive balance. I have called 3 times and was told there is no timeline for the funds to be remitted. I have been told that the request was already put in on their end but they have no further information. Considering the timeline I feel I'm owed the funds as soon as possible. I would like the process expedited and an explanation as to why they were not automatically remitted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. LVNV Funding, XXXX XXXX, A Bankruptcy that I NEVER filed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage pulled my credit without consent and now refuses to reverse the inquiry and will not share the many voice recordings justifying my claim. I was told by XXXX XXXX and XXXX XXXX that it would cost Rocket " XXXX  of dollars '' to reverse the inquiry. 
I have reached out to XXXX XXXX ( General Counsel as least 12-20 times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX I received a text saying From Santander Bank : Did you attempt to make a purchase for {$370.00} on debit card at XXXX # XXXX. REPLY YES/NO/HELP. Dont want fraud texts? Reply Remove. 

I replied with No I then received this text From Santander Bank : Thank you for confirming your activity. You will be contacted shortly. Dont want fraud texts? Reply Remove.

Upon this I received a call from what I now know was the person committing the fraud at XXXX for XXXX minutes and they pretended to be helping me with a false transaction in XXXX, GA. I spoke to the person on the line and told them I have never been to XXXX. They asked for me to read them the one-time-passcodes sent to my cell phone number and I gave them the one-time-passcodes for them to access my account to help me with the fraudulent charges. They then told me that I would not be able to access my account for 10-12 hours while they do their investigation. 

The next day I signed into the mobile Santander App and saw that there was a transaction of {$930.00} to someone named XXXX XXXX. I do not know anyone named XXXX XXXX. 

I called the correct fraud number for Santander and they assured me that they will handle the situation and promptly blocked my access to mobile and online banking.

I went to the branch near my home and brought all the records text messages and phone calls with time-stamps.

After 10 days they told me that my claim was denied. I believe I am wronged because Santander claims to protect its customers from any type of 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXX XXXX XXXX XXXX inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX XXXX XXXX {$670.00}, XXXX XXXX  XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX # XXXX {$2200.00}, XXXX/XXXX # XXXX $ {$0.00} XXXX XXXX XXXX # XXXX {$0.00}, XXXX  XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT 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