vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
On XX/XX/XXXX and XXXX of 2022 an unknown individual or individuals hacked my PayPal account and sent XXXX obviously fake people money totaling {$5200.00}. The money was withdrawn from my XXXX checking account, and my XXXX XXXX XXXX account. All of these transactions were in CAD and were for either {$100.00} CAD ( {$83.00} USD ) or {$100.00} CAD ( {$86.00} USD ). In addition, all had a note attached that said " Good Morning ''. The email address and names are patently fake and have no correlation to one another. I filed a police report. Both XXXX and XXXX XXXX reversed the transactions. 

PayPal reversed most transactions, except for {$1000.00} which they denied claiming the fit my prior transactions which is absurd as all the transactions were the same. In addition, I do not send private individuals money using PayPal. I use PayPal to purchase car parts for my business and personal car collection. PayPal has locked my account and continued to attempt to withdraw funds until I put a stop payment on them. Now PayPal is sending me collection notices for the {$1000.00}. In addition, I can not use my PayPal credit account.

I sent emails to several of PayPal 's executives with no response and also mailed a demand letter. I have appealed their " de
cision '' with no success.

PayPal has a long history of this behavior and of scamming thousands of consumers out of tens of thousands if not millions of dollars. In addition, their Terms of Use limits class action suits and forces consumers into arbitration. I demand that the Consumer Financial Protection Bureau put a stop to this predatory, unethical company as this has gone on long enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I have sent my tender of payment in amount of ( {$3300.00} ) to the MY BESTBUY CREDITCARD address listed : BESTBUY XXXX XXXX XXXX, XXXX, Arizona XXXX with certified mail tracking XXXX XXXX XXXX XXXX sent on XXXX of XXXX.The postal service has confirmed that it was delivered and as well my records confirm that, the company is alleging that they /not found/lost the payment and is shifting the liability on me the consumer, by Uniform Comercial Code 3-309 its clear that they are trying to evade responsibility in regards of its own emploees that lost my paymet, Their Investigation has not concluded anything ( the investigation ID 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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was contacted by a credit agency stated that I had owed an account by XXXX  and it was proceeding to a court date as I will be sued for non payment. I paid the full amount of {$1400.00} to the by my credit court thinking that I was in trouble with court obligations. I received all documents of the payment and statement provided by them but what I found odd was that my signature was not proper on the line. I then reported the possible scam to my credit card company but they didnt refund the amount. I received a letter on XX/XX/XXXX by another creditor called convergent saying I owed {$240.00}. I called them to let them know I already paid way over the amount due but they stated that they never received payment and that the company I paid wasnt their company. My bank refuses to refund the payment so iam filing a possible scam as pictures can be provided.

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received a summons regarding an account I was not familiar with on XX/XX/21. I responded to disregard any legal action meanwhile disputing it with the 3 main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the 3 main credit bureas, they deleted it due to it not being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-07 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NJ

Complaint narrative:
5 Clients with possible information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  ( 16 hours ago ) to bcc : me Dear XXXX  family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud.

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX Experian XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX received e-mail, stating that my credit card was closed due to improper use. To review this press the word review. I did and they ask for identification, social security number, picture of my driver license and my mother maiden name. The sight looked official, plus I use fingerprint I.D . to open my e-mail. So I then call the credit card company. Locked my card as suggested. Called my bank as suggested, they locked that account-said to be vigilant. Suggested to call Social security, they put an alert on my account, suggested I call local police. I did and they suggested to report the fraud to this sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank closed EVERY single account i had with them XXXX XXXX XXXX accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The XXXX laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The XXXX  XXXX XXXX XXXX administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1967

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I got a charge in my Bank of America debit card for {$190.00} on XX/XX/22 from XXXX XXXX XXXX XXXX I did go on XXXX XXXX chatted with some person to see what credit company had me listed as owing... someone called me and Offered NO help whatsoever- even said I dont know how to help in heavy foreign accent! Im outraged! Im trying to find a number for this company- nothing comes up! Im XXXX and need this {$190.00} put back in my account! So upsetting!

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 2022-04-07 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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 that 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 explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Letter sent to the bank on XX/XX/XXXX. Tried for 3 days to call, either no number available, or on hold for 45 minutes, twice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX Re : Plan XXXX XXXX : I had received a letter from the Social Security Administration ( `` SSA '' ) concerning Potential Private Retirement Benefit Information under plan XXXX 

I had been an employee of XXXX  which had been taken over by XXXX XXXX XXXX Bank. The last address of record that I remember giving to the plan administrator was XXXX 

The document from SSA indicates a value of $ XXXX, reported in XXXX. Copy of the letter, which has my social security number is attached. 

Could you please review your records to see if the balance, or any portion is still undistributed? If you have any questions, please contact me via e-mail at XXXX 

Thank you for your consideration. 

/s/ Att : letter from Social Security

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A 26 day hold was put on my credit card for absolutely no reason. Capital One had no answer as to why and refused to reverse the hold. I have been a good customer always making payments on time and always using my card consistently. The money was taken from my bank account and then held for no reason what's so ever. Here Capital One is earning interest off my money they are holding hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TN

Complaint narrative:
I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I asked them very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.

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 2022-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is incorrectly reporting a 30-day late on my credit. I have made payments in a sufficient amount of time. I have attached proof of my payments from my checking account. You can see the date, payment amount, payable to Bank of America and MORE than enough funds to cover. Please rectify this late payment immediately with no delay.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My partner and I opened a new checking account at PNC Bank online on XX/XX/XXXX. 
We completed an electronic transfer {$1000.00} each from our respective checking accounts at XXXX  XXXX XXXX and XXXX XXXX XXXX on the same date. 
As of today XX/XX/XXXX, the {$2000.00} we transferred to this new PNC checking account have not been made available to us. 
And, as of XX/XX/XXXX our access to the account on line has been revoked. 
We have made multiple phone calls to their customer care, and retail service departments as well as personally visited two of their branches, XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX, and XXXX XXXX branch in XXXX XX/XX/XXXX without any results, or explanation for the hold. 
As of today, PNC bank has been holding our {$2000.00} for over 40 days without any reason whatsoever, leaving us without recourse in the matter. 
We find PNC 's actions abusive as this funds are needed for our subtend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX / {$740.00} / XX/XX/2022

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
They contacted my mother and told her that I listed her as a reference for employment and wanted to know if i as her son. He gave the name XXXX to my mother. He also contacted me and left a voicemail. In the voicemail he gave the name XXXX XXXX. Both calls were from a local number in Minnesota ( XXXX ), but in the voicemail he left a New York Number ( XXXX ). 

I XXXX  the numbers and found out that the company is called XXXX XXXX in XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation