vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANNER CORPORATION
State: WA

Complaint narrative:
Made 2 payments one in XXXX and one in XXXX totaling XXXX on my credit card online. Neither payment was credited to the card. XX/XX/XXXX the bank emptied our savings attached to securing the credit card and closed the card. Its been hard enough with the pandemic because banks are closed. Plus we have been hacked 6 times in 6 months so accounts have changed. When they closed the credit card account I had nearly XXXX points on my rewards. Im now told if its a closed account your rewards cant be used. This is not my fault! I want my points. They have a security issue because our accounts have been hacked 8 times in 6 months. I dont know how or why my payments werent credited but I want my points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
There is a collection on my report which is unknown to me, I do not owe nor was I ever informed of this. Please help

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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account. 

I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion. 

Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance. 

I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX   OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus. 

I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus. 

Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ). 


Thank you very much for your help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion dropped my credit score XXXX points in XXXX day and could not explain why my credit score dropped so much. There had been no changes to my credit, I had not added or missed any payments. This is complete Fraud!!! I was in the process of getting ready to buy a truck, and had to back out of the deal due to the fact it was going to cost me thousands of dollars in finance fee 's due to the drop from an XXXX  credit score to a XXXX  credit score. When I contacted TransUnion, they could not explain, or even see my change in credit score. The only reason I was able to see it is I utilize XXXX XXXX to get notified when my credit score dropped. Furthermore, they would not file a disput for the drop in credit score, and essentially did nothing to help me! These people control peoples lives, and purchasing power. They need the ability to quickly adjust, and explain any impact to credit scores. The lowering of my credit score of XXXX points will delay my ability to start a company, that I needed to purchase the truck for. Plus, I was going to start another company at the end of the year. There is no logical explanation as to why my credit score dropped XXXX points in XXXX day. They need to fix this immediately!

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 2021-06-03 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: NY

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ), 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and FCRA 623. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX : {$8800.00} : XXXX XXXX XXXX : {$3800.00} XXXX Original Creditor : ) : {$230.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$9500.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$3000.00} XXXX : {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$300.00}

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Original notification to Paypal on XX/XX/22, shopping for XXXX XXXX XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Online Franchise Store Popped up. As I was looking as system, screen flashed a couple of times and then stated purchase completed?? I did not authorize. Looked in email for verification and to date never received an email to the email XXXX from XXXX. Made several attempts to contacts and no response. Asked Paypal to refund as it was fraud. Verified same day with XXXX did not have a franchise by that name. XXXX received credit on accoutn and assummed handled. XXXX it was back on bill?? Since then over XXXX hours spent trying to get this cleared. Only until I sent formal complaint to now XXXX XXXX  XXXX owns Paypal Credit ) did they move all transaction from old account and opened a new account and is currently investigating. On numerous occassions requested from Paypal, Paypal credit a copy of tracking, phone # from said merchant - nothing ... .i could verify.I went on to Paypal community blog to find over XXXX complaints of the same nature. Some with same name some with different name but similar scenario. Paypal did nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: FL

Complaint narrative:
I pulled my credit report XX/XX/2020 and noticed I have 2 accounts on my report that doesn't belong to me, XXXX XXXX and XXXX XXXX. I have disputed the accounts multiple times and the accounts still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Expirian and the three credit XXXX scores have really screwed me up on stupid XXXX far as 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 explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, CONSUMER, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that Ii will CONSUMER, XXXX and autograph as the agent, attorney in fact, so be it. 


I sent Ability Recovery Services documents requesting validation of the debt this company assumes I owe. Ability Recovery Services received these documents on XX/XX/2021, and has not responded to any of the documents, which all must be answered and sent back. 

Ability Recovery Services is in violation, 15 USC 1681a ( 3 ) IDENTITY THEFT- The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Under 15 USC 1681b Permissible purpose of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Ability Recovery Services permission to report any information on my consumer report. No consent is IDENTITY THEFT.

Fact, FDCPA 15 USC 1692, NO third-party debt collector ( Ability Recovery Services ) is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy. 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Fact, I am sure this information will be removed and that my privacy rights will not be violated again due to my lack of consent.

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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2021 around XXXX, I wanted to log into my chase bank account and found out that my account was locked. I called chase bank at XXXX XXXX that same day to know why my account was locked and the agent that I spoke with told me that my account has been closed and I can not bank with chase bank anymore, the money that is in my will be mailed to me in seven ( 7 ) to ten ( 10 ) business days either as cash or by check. The agent refused to tell me the reason for my account being closed when asked. I told him that I need the money to put it in another account in order to take care of my financial obligations and he said nothing could be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 I received a deposit for money owed to me by a government agency for {$17000.00}. Before I used this account I called The serve customer service line on the back of my card and asked them if a deposit of this size was ok and explained that these were funds were owed to me by a government agency namely the SBA. I was told that all was ok by the representative and I could initiate the deposit. The representative told me I just couldnt withdraw that amount right away as it exceeded the monthly allowed withdraw limit, which was fine because I didnt plan on withdrawing it. So I went back and contacted the funding officer that was my contact person at the government agency and they initiated the funds to be transferred. Later that day I find out that after the funds went to my account Serve froze my account and suspended it. Im not sure why. I went through a very rigorous approval process for this money and it has been owed to me for months, my account was verified with the government and the company who was in charge of initiating the funds on their behalf. This was my account and they approved it to be sent to that account. My person of contact at the SBA and my congressman recommended I file a complaint through the CFPB, both were aware of the process I went through to get this money that I was owed to me. As they are the ones that helped me with the paperwork to get my money back a few months ago. My contact person at XXXX XXXX told me to do whatever the officer at the sba said to do, as they are just an intermediary that sends the government approved and backed funds to the accounts that are given to them from the Multiple government agencies in my case the sba. What did I violate by having money owed to me by the government sent to my account? The company that sent me the funds was only doing so for the government and I have tons of paperwork to show if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 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: MD

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX my husband and I initiated the home mortgage loan process with our local Ameris Bank by completing the online application. We were told that because of the holiday week-end, we would get a call on Tuesday, XX/XX/XXXX. 
On XX/XX/XXXX, I received a call from XXXX XXXX with Amerisave who wanted to proceed with my loan. Even though the names of the organizations were almost identical, I questioned MrXXXX XXXX at length to ensure that I should be talking to him about the loan. He told me that because our credit score exceeded 600, Ameris could not process the loan and had sold it to his company. This sounded logical and we spoke for well over an hour with me providing him personal information and even giving him {$500.00} via a debit card. He was extremely competent, professional, and affable. He sent me several emails, including his contact information. Within a short period of time, he had scheduled an appraisal of the home we intended to purchase, and had contacted my realtor to make her aware of the date of the appraisal. Shortly thereafter, I received an email from someone who told me that she would be working with me throughout the loan process. 
Later, my husband received a call from Ameris Bank to discuss our loan. When my husband told them that we were working with XXXX XXXX, they had no idea what he was talking about. Apparently, Mr. JXXXX had somehow gotten our loan information and " stolen '' the loan from Ameris against our wishes. 
To say that I am irate about this situation would be an understatement. This man totally misrepresented himself to gain our personal and private information, including my Social Security number and banking information. He was totally disingenuous to meet his own agenda, deciding that he could decide who we got our loan with. 
At this point, we have informed MrXXXX XXXX that we want nothing to do with him or his company and we are back with Ameris. When I sent him an e-mail severing our fraudulent relationship, he made a snide response " When they want your money to talk with me, let me know ''. 
I am beyond baffled by this episode, and hope this is a rouge employee, and does not represent the company or the industry. Obviously, we want our money back as soon as possible so that it can be used in our real loan. We appreciate your assistance in this matter. 
Our contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Our Loan number with AmeriSave was # XXXX Mr. XXXX 's contact information is : XXXX XXXX Loan Originator NMLS ID # XXXX XXXX Mortgage Company NMLS # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, Texas XXXX Phone XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
As recent as last month, I have been requesting to have an old charged off account with XXXX XXXX removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for XXXX XXXX in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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

Complaint narrative:
PayPal closed my account with the reason that I made the account when I was under XXXX year old. I actually made the account right on the day when I turned XXXX, thus I was able to sign up because one of the requirements for signing up was to enter my birthday and I entered it accurately. 

Because of this, my account is now restricted and I can not send or receive any fund. The only thing I can do is to withdraw my fund. 

However, there's another problem that I encounter which I believe PayPal is doing a very poor job in resolving. 

I made the mistake of entering only my first name and last name during the sign up process, instead of entering my first, middle, and last name. However, in my defense, PayPal only asked for my first and last name. 

My full name ( first, middle, and last name ) is required for me to be able to withdraw my fund to a bank account. I tried to change it three times, but they did not change it at all. I provided my ID, but, until today, my paypal account name is still the same. 

I tried contacting them through the email system but they do not provide any help. They only gave me automated responses. 

My PayPal account is under the email XXXX. Please help me. I worked so hard for the money there.

Company response to consumer: Closed with explanation