vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase XXXX XXXX credit card for which one of the benefits is that you receive {$25.00} in XXXX " XXXX '' credit every six months. On XX/XX/XXXX, I received {$25.00} in XXXX credit from XXXX. Then, on XX/XX/XXXX, I received another {$25.00} in XXXX credit. At that point, my account had {$50.00} in credit. Ten days later, on XX/XX/XXXX, {$25.00} in XXXX credit expired without warning. I booked a flight on XX/XX/XXXX which made use of my remaining {$25.00}. On XX/XX/XXXX, I received another {$25.00} in XXXX credit from my XXXX XXXX credit card. I booked a flight and used the credit, but then had to re-book the flight, so I cancelled it. When I went to re-book the flight, I was told I could not use my credit because some department at XXXX had to " verify '' the cancellation. I booked the flight on my XXXX credit card ( a separate Chase card from the XXXX card ). About a week later, the {$25.00} XXXX credit re-appeared in my account from the previous flight cancellation. 

There are two problems here. First, my XXXX balance should be {$50.00}. It is not reasonable for XXXX credit to expire in ten days, or even three months. The XXXX Terms and Conditions do not say anything about expiration at all ; terms 25 and 26 at XXXX XXXX XXXX ( " XXXX XXXX expiration '' ) are erroneously the same as terms 23 and 24 and do not reference expiration. XXXX has designed this page so that the terms can not all be printed at once. Second, I should have been able to use my {$50.00} XXXX credit when I re-booked my flight on XX/XX/XXXX, confirmation number XXXX. I could not. When I today to find out if I could apply it retroactively, I was placed on hold for about an hour and told that the relevant department was closed ( after being told that only XXXX could help me, which turned out to be incorrect, apparently, because they couldn't ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I reported a fraud activity to my bank CitiBank about cheques, which were deposited into my account that I knew nothing about. My stolen deposit card was used for purchases and money transferred from my account. When I reported this, the bank decided to close my account upon investigation. A few weeks later I received a statement saying my account balance is XXXX. Then a few days later another letter saying the cheques have been returned and my account was negative {$15000.00}. A couple of day later my account was closed. Any attempt to open a new account has failed.

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 2023-07-31 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: MO

Complaint narrative:
On XX/XX/2023 a seller used a fake name and account to sell football tickets. Everything seemed legit until I sent the money. Once money was sent, I did not receive the tickets. I sent {$500.00}. I should have trusted my gut but have done these transactions in the past and they were fine. This one was not. 

I reported this to PayPal and they just said a complaint was filed. I am trying to stop the payment to the person. The email they provided is XXXX. Need to make sure they do nothing like this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I received a new XXXX and signed into my Venmo account with my new phone on XX/XX/23. I then tried to send money to a friend and it said my account has been suspended, even thought I was able to sign into my account and verify it was my account. When I called a rep for Venmo, they said it would 3-5 business days to resolve the issue. I then received an email asking me to take a picture of my ID and send it with a picture of me holding it. I don't believe this is very secure and it is not right that they are holding my money XXXX and not going to resolve it for 3-5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, I have a mortgage account with Webster bank. I have noticed a calculation error on my escrow account, whereby the account is reflecting a shortage and requiring an additional payment of {$2000.00} each month. I have called XXXX 5 times to correct this and havent been connected to someone who is knowledgeable in Escrow. This is a very big issue as I will be liable for an additional payment of {$11000.00} over what I am supposed to for the year due to clerical error and XXXX has been unable to help me resolve it. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NJ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc.
State: FL

Complaint narrative:
I experienced some technical issues with my direct deposit. My employer, XXXX XXXX XXXX, rather than redeposit my paycheck into my checking account they mailed me a Wisely App card. I reviewed the card terms and conditions of the card and found them completely unexpectable. I later discovered that the employer disclosed all my personal information - - full name, date of birth, social security number, address, phone number and so on -- to Wisely App card. 

I contacted Wisely XXXX Card to transfer my pay to my bank account and delete all my personal information. They refused to take any action. They told me that I had to activate the card and pay the fees to get my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I currently have a Capital One Credit card that I have had since XXXX. When XXXX happened in XXXX, mine and millions of others ' lives came to a sketching halt, resulting in many without a job, including myself. I reached out to capital one multiple times and they refused to work with me in any way, I have since had on time payments and continue to do so. capital one is being predatory to my credit because of a global pandemic that no one could do anything about but wait for it to end. I am requesting the removal of reported late payments from Capital One for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/23, I made a payment in the amount of {$250.00} to XXXX XXXX. I checked my M & T checking account ending in XXXX and I noticed a possible duplicate payment to XXXX. I contacted XXXX first to confirm if they had received two payments on the amount of {$250.00} each. The company confirmed that the had only received one {$250.00} payment. I called M & T Custoner Service # XXXX on XX/XX/23 to open a complain # XXXX. They indicated that I would get a letter mailed to me within a week, and that they would investigate the issue. No letter was sent so I called back on XXXX and had to explain again the fact that M & T had taken out of my checking account and additional amount of {$250.00}. I also told them I had not received any letter as I was told, and this new representative told me that they had not even started the investigation. I also opened Dispute # XXXX, and mentioned that I had also noticed that my Overdraft Line of Credit ending in XXXX had made a transfer in the amount of {$230.00}. On XX/XX/23, I went to the XXXX XXXX branch and spoke to the Manager who was very proffesional and apologized i had experienced that issue. She stated that she had the ability to return the {$250.00}, which was completed on XX/XX/23. She explain that she was unable to refund the money in the Overdraft Line of Credit. On XX/XX/23 I paid a total of {$230.00} which included {$1.00} in interest to cover for the Overdraft caused by the additional money that was deducted from my account. If the extra withdrawal would have not been taken out, my account would have not overdrawn. It is XX/XX/23 and I have received no letter. I call the branch again to see what they can do and they told me the complain or dispute was closed out. I am assuming because M & T thinks that by refunding the {$250.00} I would be satisfied. If M & T would have contacted me as they said they would, they would have known thay they still need to refund me for the {$230.00} payment I did against my overdraft line of 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 monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
This complaint is about Thunderbird Collection Agency or TCS. They call repeatedly from multiple different numbers. 
A recorded name of XXXX XXXX from number XXXX. Identifies at TCS Another call from someone named XXXX XXXX -- the recorded message just say " this is XXXX XXXX. Call me. This is XXXX XXXX '' I have looked up both TCS and XXXX XXXX. Found quite a bit of bad information about Thunderbird Collection Service TCS and its owner and director XXXX XXXX. Many claims of fraud reported. I have tried to call back to tell to stop and their is no way to leave a message after phone phone picks up call. 
I have no idea what this could be? They never ask for me by name. It is never a person, always a recorded call. IT has been going on for months -- mutliple times/week. 
I have blocked the call -- so it just goes to voicemail but it is multiple messages left. 
It just needs to stop. I have been on the DO NOT CALL list for years. 

Please help make TCS, XXXX XXXX and XXXX XXXX stop. I am confident you have heard of this company and the names based on what is all over the internet about 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 2023-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, PayPal limited my account and restricted access to my funds/ balance for 180 days. After review, they " decided to permanently limit [ the ] account as [ they ] found potential risk associated with it ''. On XX/XX/XXXX, I reached out to customer service to get additional information on their decision, as well as to work to resolve the issue. 

After some back and forth, I was told " it looks like our Acceptable Use Policy Team has determined something associated with your account that violates our Policy. I apologize but I do not have any further details regarding this. I understand, this can be frustrating for you but the decision is final '' I was unable to get any additional detail and told PayPal could not disclose any specifics on their decision. I was also told there was no appeal process. It seems unacceptable for a company to be allowed to hold your money without being able to provide specifics or a way to resolve the issue. 

If helpful, I have screenshots of my discussion with customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: SC

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 USC 1681.

The letters are stated with items and issues.

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.

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 2023-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to 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 and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
This matter is involving the company, XXXX, in their exhibiting unfriendly customer service. In fact, the service appears intentional to force payment on items irrelevant to the customer account. XXXX issued several phone numbers to my business account, a main number, fax, and others related to the business operation. When terminating my main phone number, XXXX shut off my main number, however, they kept on ( active ) the other phone numbers. XXXX only acknowledged the main number to enable talking to their customer service. When terminating their main number, it was impossible to turn off ( discontinue ) all of the other numbers. This period of time was between : XX/XX/XXXX- XX/XX/XXXX. Through this time, I attempted to reach XXXX. Once I finally terminated all numbers, they sent me a bill for the period of time I was trying to turn it off, to reach their company. 
XXXX XXXX - - turn off main business line XXXX XXXX - - attempt to reach XXXX to turn off other business lines XXXX XXXX - - written attempt to XXXX by mail to turn off other business lines XXXX XXXX - - demand for termination of business with XXXX and waive billing XXXX XXXX - - dispute debt by XXXX XXXX ( CONVERGENT ) XXXX XXXX - - dispute debt by XXXX XXXX ( WAYPOINT ) Status now : XXXX PLEASE STOP!!! Please stop this financial harassment.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I signed up for the Bank of America XXXX XXXXXXXX credit card, approved on XXXX XXXX 2023 with an offer of XXXX bonus miles if you spend XXXX in the first 90 days. I did not receive the credit card until XX/XX/XXXX, aster multiple calls asking about it and having a new one reissued and finally mailed to me. I called today to extend the 90 day period to spend the XXXX and get the miles and was told that they can not extend this, it is a violation of the federal fair lending act and there is nothing they can do. This is such a scam and the complete opposite of fair lending practices, I now have 30 days to rack up XXXX so Bank of America can charge me 22 % interest. This is truly egregious and not fair.

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