vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, XXXX having problem with my paypal account saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' When I was busy with my business, I received an email from paypal saying that I can no longer use the service of paypal. I'm having a hard time because i used it as a payment method for my business.My business stopped because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been federally violated by 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 2023-02-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been federally violated by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: U.S. BANCORP
State: CO

Complaint narrative:
I am attaching the documentation I have regarding the duplicate charges from XXXX XXXX for a utility sink ordered XX/XX/2022. XXXX XXXX charged the USBank card 11 times. 2 charges on XX/XX/XXXX, one charge on the XXXX, two charges on the XXXX, one charge on the XXXX, two charges on the XXXX, two charges on the XXXX and 1 charge on the XXXX for the exact same amount of {$220.00}. These charges were in a Pending status on the USBank online activity site. 

I called XXXX XXXX and they said that their system will continue to charge, then credit my USBank card every day until the sink came in so I canceled the backordered utility sink and I ordered another utility sink. To date, I have not been credited for 4 of the charges of {$220.00} for a total of {$900.00}. 

I have battled between you and XXXX XXXX for 5 MONTHS! I finally got XXXX XXXX to send me proof of their claims that I was credited back on the charges that they did which were only 2. I am sending you their documentation along with mine to resolve this situation.

It appears to me that you owe my account 4 credits of {$220.00}. This needs to be resolved. I really dont want to bring attorneys into this but quite frankly, 4 months of this battle has taken its toll. 

Please resolve this matter immediately so we can continue to have a proper, secure working relationship.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MS SERVICES LLC
State: GA

Complaint narrative:
I received XXXX letters from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with XXXX XXXX XXXX XXXX. I had missed the XXXX  day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, XXXX. Because I did not respond within the XXXX  days of the date of the letter, the Recovery Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ) turned my account over to debt collector MS Services ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am currently disputing this issue with MS Services. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to XXXX  XXXX XXXX. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost XXXX  days just getting it to XXXX. I live in XXXX. In the meantime, I was sending emails to XXXX  customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to XXXX members of the Recovery Team XXXX times. XXXX agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with MS Services and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I received a fraud alert in which in turn I called the number on the back of my banking card and spoke with a representative. The representative did not lock my account, or do anything to quickly block the activity going on in my account. While we were on the phone discussing what was happening on my account and if I had lost my card or authorized anyone to use it etc before we knew it my savings was gone and all my money was transfer to an external XXXX XXXX XXXXXXXX fraudulent account. After the representative assured me they will deal with the situation by opening a investigation I did not feel comfortable so I hung up and called again and asked to talk to a manager. After talking to several people who told me that the first representative did not do their job correctly by immediately locking my account so there would be no access, they told me that they would do an investigation. In the meantime they gave me a temporary credit of the {$900.00} that was stolen from me. I continue to call to see how the investigation was going to see if there was information I needed to turn into the police about this person who stole my money and they assured me they were handling everything. I had some employees telling me to close that checking and savings account that was compromised and open new ones and then I would talk to somebody else and they would say no close the new ones, so I open and close several accounts because that's what the employees were telling me to do. There's no consistency when you talk to an employee.Eventually I got a letter saying that after the investigation they decided that I knew the person and I authorized them to take my money which is absolutely not accurate and they took back my credit which left my account in a negative of the {$900.00} that was stolen from me. I have asked for documents to prove why they came to this conclusion and they just sent me one little page that said that they decided I knew the person and authorized the transfer. In the meantime I've been calling a couple times every week trying to get through to talk to somebody, to have them listen to the recordings and to provide me more evidence with the recordings to prove that I did not know that person or authorized them to take my money. But employees keep transferring me and I never actually get to talk to anybody about my fraud. It's been past frustrating trying to resolve this with them, if I can not even talk to somebody to get more information. Capital One has been a complete nightmare, unprofessional and have not done anything to protect my identity. I've had to do a freeze on all my accounts & my social security number. I keep all my accounts lock for my protection. I've had to invest in XXXX to make sure there's no more fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am challenging an account that Experian, XXXX, and XXXX are reporting on my credit report. They are reporting 2 late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.

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 2023-02-07 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: MI

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, 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 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. 

Account name : 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2023 Bank of America told me they were closing my account because someone had tried to deposit a fraudulent check but they returned it and that I had to stop my direct deposits. Well one deposit was already on the way to the bank and I was unable to stop it, I have called them everyday trying to retrieve my money and I keep getting told lie after lie about when I will get my money. I have received letters in the mail telling me that my accounts were closed, I have spoken to the claims department and the claims that were on my account have been closed but they still will not release my money. I explained to them that this is my rent money and I am facing eviction without it and they still will not give me my money. I just want what is rightfully mine.

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 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I submitted a claim with CFPB ( case # XXXX ) a few weeks back. 
Wells Fargo has attempted to close out this claim and I am not satisfied with their response. 
I officially retired on XX/XX/XXXX from XXXX XXXX XXXX. 
WF indicates the XXXX XXXX XXXX took over XX/XX/XXXX which was almost a year after my retirement date! 
WF closed out my 401 k and transferred my monies to XXXX. Not XXXX XXXX. 
WF deducted over XXXX from my funds for transfer. 

I do not think their response for me to reach out to XXXX XXXX is appropriate. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I've been in contact with your Chime customer service team, twice yesterday ( XX/XX/2023 ) and once today ( XX/XX/2023 ). 

Problem stems from a remote deposit. 

I've sent remote deposits before, through my Chime account. EVERY time I've done these remotes check deposits, funds have ALWAYS been available by end of business or end of same day! 

For some reason yesterday, I was informed by a Chime email that this " one '' particular check ( check # XXXX $ XXXX see attached ) was being held until XX/XX/2023, to make sure it didn't bounce? This makes no sense and not one of your reps can explain why " randomly '' Chime is holding this particular check? 

To add to the frustration, I've been told I can not talk to anyone regarding my concerns? I have emailed " SUPPORT '' twice now and called once. 

My Client/customer who issued the check, today ( XX/XX/2023 ) was going to " stop payment '' on this check through his bank ( issuing bank ) today, but was told it " CLEARED '' his bank today? 

I need someone to contact me by end of business ( XXXX time ) or I will be forced to take other action. 

There is no reason this should be happening! This is one reason why I do not use my Chime account as much as I used to and moved my direct deposit! 

2 business acquaintances told me of their problems with Chime, that's why I move my DD and do not use my Chime account, like I used to, in the past. I'm sure Chime uses algorithms and this may be why, NOW, a check is being held!? If so, although this is very shady business practices, I understand, because I don't have a ton of activity. 

Someone at Chime needs to have the accountability and " guts '' to explain why this happened! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have the right to My privacy

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 2023-02-07 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: TX

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX Account 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 a consumer reporting agency can not furnish a 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
Have you ever been convicted of a XXXX? Yes that was the question and I answered honestly. I have 2 charges that was dropped to XXXX  that showed up so I didn't get hired. I'm disputing this answer because of my background was incorrectly viewed. Those charges was XXXX they even say XXXX, I didn't lie

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). During a recent conversation with a TransUnion representative, I called concerning a dispute about a debt collection on my consumer report and the representative argued with me about my what my rights are and are not. When I said I would report the conversation I was informed that I did not have permission to disclose the conversation to any XXXX party. I believe that this statement by the representative constitutes a violation of my rights as a consumer under both the FCRA and the CCRAA.

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 2023-02-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX  upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 

Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 wells fargo made a payment on a court ordered, withdrawing almost {$1000.00} from my savings account. Wells Fargo did not verify nor confirmed the information before unlawfully withdrawing that large amount. To make it worse it was done a day before XXXX therefore canceling our family plans. The court order was not for either my husband or I, wells fargo was wrong by not verifying that they were taking it from the correct account. Wells Fargo had our money for 7 days trying to decode if a mistake was done. XXXX offered a small compensation, does not make up for our time lost with family during XXXX. Are we able go seek Compensation?

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been receiving unwanted credit XXXX  calls, up to XXXX a day even though I am on the DO NOT CALL list. It appears that Experian is the XXXX  since ALL the telemarketers mention that they are the ones who have provided them with my number. I have not been able to speak with anyone, or, found anywhere on their website to lodge a complaint. So hopefully you can help. Thanks 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