vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I upgraded my personal account to a business account and had a few clients send me payment through PayPal. On XX/XX/XXXX I received a email saying my PayPal account is limited and I cant have access to my funds for 180 days. Well I filed a previous dispute on Here in XX/XX/XXXX in regards to my account being locked. PayPal responds was I violated my terms of agreement because they dont offer credit repair services and thats what my business consists of. However when they offer to upgrade me to a business account they was aware of my business Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That kind of tells you the type of company I am just from the name. No where In the email invite to upgrade my account states they dont deal with credit repair companies. PayPal also stated they will not lift my account limitations before 180 days. Only after! I called a few times after just to make sure I will receive my funds after that 180 day time frame. Every XXXX stated Yes. Also was informed that I would be receiving a email on or around XX/XX/XXXX on how I would like to receive the remaining balance in my account. Well I never received a email so I happened to log on my account and see on XX/XX/XXXX my entire balance was transferred to PayPal and it states for Damages. Called PayPal and they cant tell me what type of damages PayPal received due to me accepting 3 payments from clients before my account was locked. I had no dispute, no charge backs, no nothing!! This is Illegal!!! They do not support small businesses!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: SLM CORPORATION
State: TN

Complaint narrative:
Quoted on www.salliemae.com/credit-cards/evolve : You'll earn {$200.00} in bonus rewards after you've spent {$1000.00} ( net ) on eligible purchases in the first three months after you open the account. The following do not qualify as eligible purchases, do not earn cash back and do not count as part of the net spend requirement for the bonus reward : cash advances ( including cash-like transactions ), balance transfers, convenience check amounts, purchases that we believe have been made by or for a business, commercial or investment purpose, account fees, interest charges, and unauthorized or fraudulent transactions. Bonus rewards will be applied to your rewards balance within one or two billing periods after you spend the required amount. 

I met the required spend minimum on XX/XX/XXXX in a bill cycle that ended XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX bill cycles have now passed with no bonus. I have called multiple times being told that they will not credit until late XXXX ( so they have confirmed I am due the bonus ), even though that is not within the quoted 1-2 billing cycles. I have asked to be elevated to a supervisor due to false advertising. XXXX XXXX XXXX call center reps say that requires a callback after XXXX hrs or more. XXXX left a VM while I was in the shower. I called back immediately and was told she was on another line and would call me back before the close of business on XX/XX/XXXX. I have still received no contact and XXXX refused to transfer me to her or any other supervisor when I called today, telling me I needed to be patient for the call I've been waiting two weeks for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was offered a payment in amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00} as compensation for damages caused by Wells Fargo opening deposit accounts which I did not need or want. I was contacted by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, offered this amount over the phone. Payment was never received, reported to IRS for tax year XXXX, remains unresolved to date. Additionally, I was offered a subsequent amount of {$500.00} plus IRS taxes totaling {$690.00} in XXXX of XXXX, payments sent to old address after I moved in XXXX of XXXX. Payments were sent to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX where I currently reside. Neither payment amount covers damages sustained by unauthorized accounts, Wells Fargo refuses to offer compensation, aside from payments not received. An affidavit was signed and sent in to Wells Fargo regarding missing payments, investigated, unresolved. I spoke with XXXX Claims today, XX/XX/XXXX, they claim check in the amount of {$5100.00} was deposited to a XXXX account which I do not own, supposedly deposited within miles of my home... There is no XXXX branch located near me, the closest branch is located in XXXX, CT, a hour away or more. I attempted to explain this to XXXX XXXX, claim rep whom offered amount of {$500.00} over the phone, he referred me back to Remediation Program and or other options out side of Wells Fargo, whatever they may be ... As for check amount of {$690.00}, that item is still in pending status, yet to be resolved.. I've requested a reasonable settlement amount including missing payments numerous times, nothing provided to date. It appears XXXX XXXX is no longer offering compensation for unauthorized accounts, refuses to offer anything, yet I was referred back to them by XXXX XXXX. I've been calling Wells Fargo Executive Phone Bank, given either a case number which is not resolved and or referred to XXXX Settlement which has not information regarding missing payments, does not offer compensation for unauthorized accounts. I've been calling since XXXX of XXXX, numerous cases opened, Wells Fargo reps appear to refer to payments as cashed, which were not by myself. Needless to say, nothing resolved to date.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
This item Genesis FS Card Services Inc. ( Indigo Credit Card account number is inaccurately reporting and negatively impacting my credit scores and payment history it is currently reporting I missed 2 payments for the month of XXXX and XXXX. However payments were made and confirmation numbers were provided for payment date XX/XX/XXXX confirmation number XXXX and XX/XX/XXXX XXXX. I am requesting that Genesis FS Card Services Inc. ( Indigo-XXXX Bank XXXX have the item removed and change to correct the information to identify there are no late payments and have them removed as they are currently reporting on my credit reports. My credit report was updated XX/XX/XXXX stating my account was now current however it still reported 2 late payments. Today XX/XX/XXXX I have a {$0.00} balance and they are now reporting I am 30 days on a payment that is not owed which has negatively impacted my credit rating again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There are multiple fraud transactions on my Bank of America credit card between XX/XX/XXXX and XX/XX/XXXX. I found out these fraud transaction on XX/XX/XXXX because my Bank of America credit card went above the limit. I called Bank of America and multiple merchants including XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX immediately on XX/XX/XXXX. Bank of America issued a temporary credits to my credit cards. However, on XX/XX/XXXX, I received a letter from Bank of America and they said they're unable to refund 7 of my credits ( amount : {$170.00}, {$59.00}, {$230.00}, {$260.00}, {$120.00}, {$54.00}, and {$25.00} ) that were made by XXXX because they are unable to find the evidence and closed my case of fraud claim without even calling me to ask for evidence. I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to reopen the case and so far I have receive no news from Bank of America. I also contacted XXXX customer service and they confirmed those charges are not made by my XXXX account. I faxed the letter from XXXX to Bank of America fraud department multiple times and still not resolve my case.

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 2022-01-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Fay Servicing. Date of transfer was on XX/XX/21. My account number under XXXX  is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from Fay Servicing shows a Corporate Advance AdjustmenXXXX ( XXXX in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from Fay Servicing. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. XXXX never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed

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 2022-01-26 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: NY

Complaint narrative:
Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Chexsystem has a issues with there system when u put in ur request your request for releasing your data to another bank or credit union the bank receives errors all the time. When I call and verify that my information was lift on this date and time XX/XX/XXXX. 
This concern had been happening for a long time I'm assuming that when information from the bank only see ( security freeze in place ) So I assuming if this happen every time I need something there is a problem with the system releasing proper and accurate information to the appropriate credit union that I filed for. 

This same exact issues happen 6 months ago checking out the system see if it work and it doesn't took chexsystem 15 days to release my security freeze from my account/ check system indicates they lost all my data on these dates at hand XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and this list goes on. The see concern and issues need to be looked. And investigate. Why chexsystem promise their customers ( there freeze will be lifted immediately ) when the information is completely false all these date and occasions I have experience inconvenience from chexsystem..

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me. 

I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money. 

Clearly someone is lying.

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 2022-01-26 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: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
I received a Vanilla {$50.00} prepaid gift card. I attempted to use the card only to find it had no balance. I never used the 16 digit card and the card never left my wallet. I called Vanilla gift card customer service at XXXX and was told that {$49.00} was used at a XXXX in California ( I live in Rhode Island ). I was advised to fill out a dispute form and email to XXXX. I promptly did that the same day I placed the call on XX/XX/XXXX. On XX/XX/XXXX, I received confirmation from Vanilla gift card that the dispute packet had been received and forwarded to the Dispute Department for review and investigation. On XXXX I emailed for an update to my ticket # XXXX. I sent two more follow up emails on XX/XX/XXXX and XX/XX/XXXX. Finally, on XX/XX/XXXX I received the following response : " I received your previous email with your dispute form however, your form came through as a hyperlink and due to security reasons we can not open it. Please resend your packet by other means. '' I called this morning, XX/XX/XXXX, and advised the customer service rep that I never sent as a hyperlink but rather a PDF. As mentioned above, on XX/XX/XXXX, they confirmed receipt of my package. I attempted to call this morning to resolve the issue but was not able to come to resolution. The rep put me on hold for a very long time and never came back to the phone. How can a prepaid credit card be used elsewhere if the card was never stored on a website for purchases and was never taken out of my wallet? In my opinion, either Vanilla gift card does not have proper security in place to protect the credit card data or they issued the same number twice. In any event, I should receive the funds back. Please assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXXXXXX XXXX  sent a check in the amount of {$6100.00} to PNC Mortgage to pay off and close a home equity line of credit. Instead of closing the account as paid, PNC has reported to the credit bureau that the account was a charge off with an outstanding balance of {$6200.00}. This error was not realized until I was applying to lease a new car on XX/XX/XXXX. I contacted PNC about the error and was told the account was paid in XX/XX/XXXX, six months after the check was mailed and cashed. PNC also informed me that I would need to submit a written request to have the account updated with the credit bureau even though they had not made any updates to my status since XXXX. I also contacted XXXX and filed a dispute, which I understand may take 30 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has made it difficult for me to dispute the hard inquiry on my credit report, THEY DONT HAVE ONLINE DISPUTE OPTION, they pulled my credit twice for one mortgage application as well which ended up lowering my credit 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 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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