vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I was issued a prepaid XXXX debit card by the New York State Department of labor during the pandemic as an essential worker. I only used it to withdraw cash from one particular ATM, the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX branch, because it did not charge any transaction fees. I was shifting my residence in the last week of XXXX. So, I did not go to the bank. I went to withdraw money on XX/XX/XXXX and noticed a depleted balance. I got suspicious and went online to look at the transactions. To my shock I found 5 fraudulent withdrawals from ATMs of banks, that I never visited in my life. Not once did i leave my debit card unattended, nor did i use it for any online or brick and mortar shopping. I immediately reported it to the debit card company. They send me a dispute form and the list of fraudulent withdrawals and told me to contact the police to file a report. When I visited the nearest police station, they insisted on having an affidavit to even take a complaint. They also asked me whether I was using a XXXX phone. When I replied positively, they said that XXXX XXXX phones were hacked and data was stolen.I plan to download an affidavit form and get it notarized and visit the police station again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom this may concern : As defined within the following message my name is XXXX XXXX XXXX XXXX and I am trying to file a complaint about the response that was sent to me by the XXXX personnel ... a correspondence was sent to the U.S. treasury department for there evaluation of the enclosed! 

There is one other issue concerning transactions which have taken place during my account business with the Bank of America ; on or about XX/XX/2015 when I opened my BOA account ( s ) I owned a Savings Account with Bank of America... but for some strange reason my Bank of America Savings Account was abruptly closed by the BOA branch located at, XXXX XXXX XXXX XXXX in the city of XXXX, state of Florida XXXX their telephone numbers are XXXX ( XXXX ) XXXX. 

What I am asking with this complaint is to be refunded for the more than {$800.00} that was in my BOA Savings Account which that BOA branch decided to close without my approval resulting in taking those funds from me... I requested a refund with an associate working in the branch via the address above, her name is XXXX XXXX XXXX XXXX she responded to my requests with her business card, and asked me to contact Customer Service at XXXX XXXX and try and resolve these fraudulent problems with my account. 

Please help, Sincerely, XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Florida 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 2021-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CT

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you

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 2021-12-08 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: CT

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX 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 and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CXXXX 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 XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XXXX, XXXX, my wife and I logged into USAAs website to learn more about a VA home loan refinance. We were very interested in what the VA IRRRL  program listed about reducing our current interest rate of 3.750 % and shortening our 30 year term considering that I am a XXXX XXXX XXXX  XXXX veteran on a fixed income. The rates 2.625 % and 2.633 % APR looked very attractive and we wanted to get started right away by talking with a loan officer. I called and was introduced to XXXX XXXX who discussed the program in more detail- including that USAA temporarily suspended their cash out program, which was of interest initially to us. I ran out of time having to attend a VA appointment, so we scheduled a call for the next morning. 

On XX/XX/XXXX, I received a call back from XXXX to proceed with the application. After giving my approval for a credit check, XXXX said that my XXXX score was XXXX and my wifes was XXXX - both outstanding. A new mortgage loan acct was created based upon the following quoted to me by XXXX : * estimated closing dates- XX/XX/2012 * escrow estimate - {$3200.00} * estimated closing costs - {$0.00} * LOCKED IN RATES - 2.875 % and 2.9160 % APR * {$800.00} principal & interest pmt * opt in for disclosures electronically completed anticipating to receive documentation of loan estimate. 

XXXX then congratulated me on the new loan and said I was to expect a call next from another loan office with the intent to proceed/ intent to close. He said that from there on out the loan would be transitioned to a processor, who would be my main point of contact going forward via phone or email. Thats why I was surprised to receive a voicemail message from him later that day after business hours explaining that he had more disclosures to discuss with me. 

The next day he called, saying because of a problem with the VA IRRRL program being so specific I was now looking at refinancing at a higher interest rate ( quoted 3.0 % ) and the need to possibly have to lengthen the term from 20 now to 30 years! Understandably, my wife and I were both flabbergasted and requested to take the matter up with USAA higher management. The solution he gave to remedy the problem never involved anything I had previously agreed to, nor ever would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hey, I was taken advantage of, due to malpractice, while several laws under the FCA were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, CAPITOL ONE BANK, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX, XXXX XXXX, XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX  occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 
I want them to zero out the account with the company or pay {$5000.00} in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have never prior to last month submitted a complaint to the CFPB asking for Discover Card to finally response to my many written requests for a credit limit increase. The CFPB has proof of this. 
Discover Card fraudulently responded, that they have already addressed this, when they did not, and they could not. It is impossible to address something before it occurs, absent time travel. 
The CFPB has access to Discover Cards enraging wicked, prior responses, which prove that Discover Card has never addressed a credit limit increase before, and that their claiming otherwise is completely fraudulent. 
Discover Card is fully aware that I do not have, ( nor want ), their app, nor do I have a phone to download their app to. Discover Card continues to discriminate against me for not having a phone. Not having a phone is legal, discrimination is not. 
Discover Card has no legal basis to refuse to communicate with me in writing, let alone repeatedly. 
But Discover Cards refusing to communicate in writing is a huge red flag, which speaks volumes about their complete and repeated, lack of integrity. 
First rule of business, get it in writing. 
Second rule, anyone who will not put it in writing, is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal Account : XXXX Name : XXXX XXXX For no apparent reason, Paypal locked my account for up to 180 days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the 180-day period expires. This is a ridiculous and scammy activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, CAPITOL ONE BANK, XXXX BANK/XXXX  XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX INC/XXXX  BANK, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXWALMART XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Ive submitted a complaint to the both Becu and XXXX and XXXX XXXX already. I have gotten no answer as to where my money has gone, I sent my fianc money 2  weeks ago and after he received it to pay our rent, the bank said it was fraudulent. I cleared this fraudulent problem on my end of my bank side is BECU. His bank XXXX XXXX says they sent the money back and refunded it to XXXX. BECU says they cant do anything else except wait for XXXX. Its been a week now and no one has gotten anything done to give us our money back. XXXX was recommended for me to use by a BECU agent to make a transfer. Now my money is lost, my husband has a negative account because he needed the money I sent him to pay rent and when he tried to pay it with the XXXX dollars I sent they took it out his account so the check bounced. someone in the bank canceled my transaction without giving the money to me or him. I have bills to pay tomorrow, and no food in my fridge. His account is overdrawn XXXX because the apartment took the rent out from his bank and not with his money. Now we have overdraft fees and late rental fees thanks to this hold up between banks I have no food or money to pay my bills this week either.

Company response to consumer: Closed with explanation