vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Bank refusing to return deposited cash amounting in {$1300.00} or more. Account is in risk management due to a returned personal check that was never cashed or released into my account. I have no knowledge of the deposited check being bad account is now in a hold a status. Have spoke to multiple branch managers, fraud department associates etc and everyone is giving me the run around. Account also has fraudulent mailing address listed for California. I do not live in California  nor have I ever had another US BANK account. Presented receipts stating cash was deposited and they still have not released my funds.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and TransUnion illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX XXXX  investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TRANSCARD, LLC
State: MD

Complaint narrative:
A card was given to me from XXXX XXXX  that has XXXX on the back in XXXX XXXX  XXXX with an expiration date of XX/XX/XXXX. 

This is in violation of the credit card act of XXXX which states that a gift card can not expire within 5 years of issue. 

I called XXXX  and transcard about having another card issued for the remaining balance but they refused to issue a card or compensate me in any other way even though I told them that it is a violation of law to forfeit the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america EDD card. A XXXX attack of XXXX of XXXX fraudulent charges against my account resulted in loss of {$3400.00} This happened XX/XX/XXXX and XX/XX/XXXX XXXX. 

BofA said the claim must be processed in small batches. Over the next few months i received literally XXXX of letters detailing random claim amounts. I have spent hours on the phone trying to resolve. Eventually I managed to get {$3000.00} back in XXXX and then {$170.00} on XXXX and i charged {$15.00} to the card. This leaves me missing {$210.00}. I had one CS rep who spent 2.5 hours with me on the phone and added up and agreed and resubmitted. But then they re did the claim and erroneously paid me {$450.00} but reversed payment before i could claim any of it. 

The process they are using to audit the transactions is clearly flawed. The customer service reps say there is no complaint procedure. All they can do is put the whole thing back in the system which may take months. 

Why cant someone do what i have done and compare deposit, fraud and my withdrawals to see i am owed money still. 

Beyond frustrated. I get nowhere talking to customer service. I end up shouting at them which is frustrating. Today another XXXX hour call and supposedly a request has been submitted to reaudit my claim but i have zero confidence. 

Hoping this service can help as it feels like I will never get this resolved through the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ID

Complaint narrative:
Square Inc. took {$210.00} from my bank account on XX/XX/2022 stating that XXXX ( an email that I have never used nor heard of ) has been connected to my business account- XXXX XXXX XXXX. This is the extent of the information regarding the negative account balance they will give me, they will not tell me what the amount is, where it was charged or how it was charged, nor given me even an actual phone number to call a representative on so I can prove this wasnt me. Now as of XX/XX/2022, Square has withheld a deposit of {$270.00} from transferring to my bank account, siting it was to again resolve a negative account balance, but this time it was for my business- XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On or around XXXX i saw alot of pre-approvals on Credit Karma. At first i didnt pay it no attention but Credit Karma kept sending me all sorts of different pre-approvals telling me that i was pre-approved for credit cards, personal loans and that i can refinance my car. Everyday i would see these offers everytime i logged in to check my credit scores. So after after few months of being told that i was pre-approved i thought i was now in the perfect place to apply. I got so many offers through Credit Karma i started telling my whole family about vacations and investments we were going to use these pre-approvals for. So i applied on or around sometime in XXXX  and i got denied for two credit cards and a personal loan. I was distraught, i was very very angry and i felt deceived. I was marketed to for months. Credit Karma told me that i was pre-approved, this was a lie! I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad i became anti-social. My XXXX  went from 0-100. Now everytime i see pre-approvals i immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that i havent checked my credit as frequently as i should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted disputes with XXXX, XXXX, and TransUnion regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by 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 2022-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted disputes with XXXX, Experian, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by 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 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Seven days after applying for a home loan with rocket mortgage XXXX would not provide a loan estimate worksheet after repeated requests. it wasn't until I asked to be a signed a different agent that he finally provided it.

Rocket Mortage ( XXXX : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Two separate transactions on my Paypal account that are unable to be cancelled. The first is in the amount of {$12.00}, the second is for the amount of {$28.00}. There is no option to refund these payments. The services I was purchasing were not provided and the sellers immediately blocked all forms of communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2022-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!

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 2022-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On/around XX/XX/XXXX I sent Transunion my ftc report XXXX a police report and also and affidavit of truth certified mail, proving them with information/instructions on what to report on my consumer export ad well as what needed to be removed. They failed to remove all said accounts and inquiries. I reached out to them on/around XX/XX/XXXX and advised them if error and they advised they would open a dispute after I advised they had all my paperwork already. They still didnt removed said accounts. Damaging my credit

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 2022-09-09 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I have contacted Hyundai motor finance on several occasions. I have contacted via call and mail about inaccurate payments history on my account as well as an automobile payment made in full not being updated. I didnt give consent to report on my consumer report and I am being violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed out my checking account and credit card accounts in XX/XX/2022 with Capital One. Received confirmation closure letter and check for small balance and that should be the end of story. But its just not. I open a new checking account with XXXX. No problems, no issues, XXXX is holding up their end of the bargain. But, NOT Capital One. I log into my XXXX checking account, and on Monday, XX/XX/2022 at XXXX theres a debit payment for {$200.00} withdrawn from my bank account by Capital One. The reference code is : XXXX XXXX. I already know Capital Ones policies on online payments. There prospectus clearly explains that any funds going out of your account electronically must be going into an account with the exact vesting. If I do not bank with Capital One, then they committed fraud against me, and withdrew {$200.00} out of my XXXX checking account without my knowledge or permission. That {$200.00} is to pay my electric bill due today, XX/XX/2022. I contacted Capital One, and not to my surprise, I got what I expected from their very untrained call center agent ; Nothing. 
I am requesting that the {$200.00} be put back into my XXXX checking account immediately. Thats called : Theft By Taking, its a criminal offense. And, Im filing a police report as well. I have had the worst problems with Capital One, with them continually mismanaging my bank accounts. I already know they will send me a form letter signed with someone by the name : XXXX. Its a cowardly way to operate a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma advertised multiple credit cards to me with pre approval odds at 90 %, give or take, but I would always get denied and take hits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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