vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
When I overdraft, Bank of America takes {$35.00} out even though they changed it to XXXX XXXXover a year ago.

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 2023-08-02 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: Self Financial Inc.
State: NC

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NC

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX my spouse was victim of a XXXX scam through PNC online banking. I was t there when it happened but I called our bank immediately. They refused to reverse the charges- there were five separate XXXX transfers ( total of {$1000.00} ) out of our checking account. I changed the user name and password on the online banking account. I filed dispute the next day and on XX/XX/XXXX they denied the dispute. I went to the branch office today and they said it was denied because payment was made out of the same location. I argued there is no way we would authorize five XXXX amounts and perhaps the phone or online account was hacked. She agreed to file a complaint. I was then told theyre going to close our account! I called a number they gave me and she said all she can do is have someone call me Back regarding keeping our account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I went to XXXX ( XXXX XXXX XXXX XXXX ) for a semester in XXXX of XXXX. I applied for financial aid and other grants and such because I was a ward of the state and would not be receiving any aid from any type of guardian. XXXX XXXX states that if I meet certain requirements for the FosterEd program I will receive compensation for tuition at the XXXX school I would be attending. I received my bills and notices from XXXX stating that everything was covered by the financial aid I had received. I have the documents supporting this. I recently checked my credit report through XXXX in XXXX of XXXX and saw that Eastern Revenue IncXXXX is claiming that I owe them {$1000.00}. The debt is said to originate from XXXX. I have no knowledge of the debt nor did I ever receive notice that I owed such debt. I filed a dispute once and did not submit the supporting documents. They dismissed the dispute. I resubmitted a dispute with the supporting documents and was still dismissed. The first dispute was submitted XX/XX/XXXX and the other was submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: American First Finance, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-02 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: MD

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 XXXX XXXX XXXX. 


Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-02 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I received a promotional offer via email ( attached ) on XX/XX/23 to earn XXXX points on my TD Double Up credit card for making 5 digital wallet transactions by XX/XX/23. I completed those five digital wallet ( XXXX XXXX ) transactions on XX/XX/23 but have not received the bonus points despite waiting well past the terms of the promotion that said " Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. '' I sent a secure message on XX/XX/23 requested the missing points be credited, but did not receive a reply. 

I followed up via another secure message on XX/XX/23 and received a generic message about how to manage my reward points online and not addressing the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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:
Equifax has responded to my previous complaint ID XXXX ( content below ) with a report to me dated XX/XX/23 and AGAIN have not made correction to my name and AGAIN are demanding that to make correction I must send copies of identification documents that they already received from me on XX/XX/23. In that communication they received copies of both my Driver 's License and US Passport. They do not say or acknowledge in any way that they have lost or can't find the documents previously sent. I expect correction of my name based on supporting documents already sent or some acknowledgement from Equifax that they somehow lost copies of these official documents. They are demonstrating completely unacceptable business practices. 

copy of previous COMPLAINT ID XXXX Equifax. They have had both my legal name and date of birth incorrect on my report. As an individual with a very common name it is critical that it be reported correctly. After noting the errors in routinely requested report I both wrote and submitted them a Research Request Form them on XX/XX/23. In that same correspondence I provided them with copies of both my US Passport and Florida driver 's license for support of the requested corrections. Additionally, I requested that a corrected report be sent to any credit grantor for whom they had sent incorrect information in the past 6 months. I received from them a report dated XX/XX/23 on which I noted a correction of my Date of Birth. They had NOT, however, corrected my legal name. I wrote them again on XXXX, thanking them for the one correction, pointing out that they had official documentation and asking that they make the name correction and again also send corrected information to credit grantors. I received from them a report dated XX/XX/23 in which no correction had been made and they responded asking that I send official support documents for the name change ( passport, social security, dirver 's, etc. ). I AGAIN wrote them on XX/XX/23 repeating the requests and verifying they had already received documents. Lastly, I have received from them a report date XX/XX/23 - AGAIN with no correction of my name and the response from them to " send documents '' that they already have. Additionally, they are NOW saying they will not send corrected reports to credit grantors unless I SPECIFY EXACTLY which grantors should receive them!! It is their responsibility to both know which credit grantors they have sent information to in the past 6 months and correct it. MY NAME IS STILL INCORRECT. I am not attaching copies of correspondence or incorrect reports but they are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
Subject : Dispute Request - Block and Delete Fraudulent Account Due to Identity Theft Account Name : XXXX XXXX, Account Number : XXXX, Date of Opening : XX/XX/2023, Reporting Balance : {$370.00} I am writing to formally dispute the existence of the XXXX  XXXX account with the account number XXXX, which was allegedly opened on XX/XX/2023, and is currently being reported on my credit report by Equifax. I have no knowledge of this account, nor did I authorize anyone to open this account on my behalf. I believe it to be the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal is charging, without permission, checking account, when credit card is declined. It puts it's customer at risk of running into financial problems, with the bank which it's charging without a permission, due to unexpected event with the credit card security check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I paid with Venmo {$2500.00} down payment on XX/XX/2023 for windows replacement for XXXX windows in my house to a repair man. I toggled the purchase protection option to protect me from scams. However, when I finally realized I was scammed and no service or product was delivered 3 months after I put the down payment, I contacted Venmo to get my money refunded on XX/XX/2023. They denied my request stating that the purchase protection feature was never activated. I am very confident I toggled that feature as I was deliberately trying to protect myself when purchased the windows and I informed the repair man that I was using that Venmo feature. 
I later found out that many people on online ( XXXX ) forums have had this problem too with Venmo!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Went to XXXX to check credit card offers so I can get a card with intro rate of XXXX % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose Capital One Savor One Cash Rewards card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the Capital One number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. XXXX  ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down XXXX XXXX with the Capital one credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with Capital One over a decade ago which was XXXX though a XXXX  back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX  so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I deposited a check from the Federal government for disaster relief on XX/XX/2023 with Chime 's mobile deposit. They give no warning that they will hold your money. The money is for emergency relief. And it has been taken from the treasury already. And it is now XX/XX/XXXX and the money is still not posted. And every supervisor I have contacted has no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: AL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this decision was made in error, and I would like to appeal for a re-evaluation of my case. 

Firstly, I want to emphasize that I have always been diligent in adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activity that could be considered a violation of your terms of service. I have used my PayPal account for personal transactions and occasional online purchases only. 

I am kindly requesting that you thoroughly review my account activity and reconsider the limitation that has been imposed. I sincerely believe that this is an unfortunate misunderstanding, and I am confident that a second examination of the facts will reveal my compliance with PayPal 's policies. 

If there has been any issue or discrepancy related to my account, I am more than willing to provide any additional information or clarification required for the investigation process. My intention is not to cause any inconvenience, but rather to seek fair treatment and a resolution to this matter. 

In light of the above points, I kindly appeal to you to re-investigate my case promptly and, if deemed appropriate, lift the limitation on my account. I value the services provided by PayPal and wish to continue using the platform for secure and seamless transactions. 

Thank you for taking the time to consider my appeal. I trust that you will handle this matter with utmost care and professionalism. If there is any further information required from my end, please do not hesitate to reach out to me at the email address associated with my account.

Company response to consumer: Closed with explanation