vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: NY

Complaint narrative:
After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor.

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).

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 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I made a purchase via my paypal account ( XX/XX/21 ) via an unknown merchant for cloth masks. Upon the merchant routing me to my paypal account I was offered to have payment from debit card ending in XXXX On XX/XX/21 checked my email and discovered that my XXXX XXXX XXXX account was charged an overdraft and upon review of my account, it was paypal. I immediately contacted paypal and while waiting for an agent, tried to inform them online that the paypal check out made a mistake. I spoke with an agent and he stated that he started a claim and gave me a {$20.00} credit for my inconvenience. Next day, I discovered that the merchant was contacted and was asked to " return '' the funds. I called paypal to inquire as to " why '' was the merchant involved in this matter when it still had the funds on the card ending in XXXX The agent stated that the only way they could get the funds back to my checking account was to get from merchant and then pay him from the debit card on file. I spoke with another agent yesterday XX/XX/21 and was told that the merchant would not be paid from the card. i informed all reps from paypal that the situtation was not the merchant or my fault but paypal 's and they should " own '' it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
on XX/XX/2021 i received an alert by phone from CRA XXXX XXXX  and XXXX  that NATIONAL CREDIT ADJUST reported i opened and account with a balance of {$1600.00}, i have no idea who that is, so i called the number that was listed on my credit report and it rang and rang. 

this is fraud or identity theft, i've never done business or signed any contracts with this company and never gave this company access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the Equifax data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
at the time i was in bad standings with this company nordstroms, a inquiry appeared on my XXXX  credit file on XX/XX/XXXX of 2021 asking to extend me credit. that inquiry was not authorized by me, and it makes no sense why i would have, which means it was either a mistake on their part or fraud, in either case its not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XX/XX/XXXX, DEPT OF ED : XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NJ

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 and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
" Complaint about silently introducing low balance fees and not providing any notification which resulted in XXXX {$750.00} in fees from my checking account. '' Details : I opened a checking account with Bank of America as a student in XXXX since it did not charge any fee for low balance. I used it a lot during my student days, often maintaining a low balance without any maintenance fees. Apparently, a fee was introduced for balances less than {$1500.00} sometime after my account was opened. Over time, I was using the account less and less, and in XXXX, I made a withdrawal that reduced my balance to {$750.00}. Then, in XX/XX/XXXX, I received a notification that my account will be closed due to inactivity. I log into my account and see that my entire {$750.00} balance has been used for paying a {$12.00} per month fee since XXXX. I can provide copies of bank statements if needed. My issues with the above are : 1 ) I did an in-person withdrawal in XXXX. Given that I opened the account when there were no fee, I feel that the banker should have informed me that my balance is below the {$1500.00} and a fee will be charged. 
2 ) Bank of America did not notify me that a fee is being charged to my account for 5 years. Only emails I received was that a statement is available. Only notification they sent me is when the balance is low enough so that they can't charge the fee. This seems like an unfair practice to me. My other bank notifies me when a fee is charged. 

I tried resolving the issue with the bank. After spending many hours on the phone, I am told that all they can do is revert 90 days of fees but if I want anything more I should go in person to the bank. I do that and they tell me to wait for a banker. Again, after waiting for an hour, they tell me that I'm wasting my time and I should just call the customer service to get my 90 days of fee refunded. After spending another hour on the phone, they tell me that they can't even revert 90 days of fee. At that point, I give up and ask them to close the account. I hope others can learn from my experience and never do any business with the Bank of America.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I applied for the American Express XXXX Platinum XXXX of XXXX. To confirm the spending bonus awhile after having the card I logged into the AMEX dashboard & chatted with XXXX an AMEX representative on XX/XX/XXXX, & XXXX confirmed the introductory bonus of XXXX AMEX points on my account offer after spending {$5000.00}. 

I did not see a bonus tracker as other friends stated shows in their AMEX dashboard so I inquired via AMEX chat concerning the bonus again a few days later, & the next rep stated I suddenly was not approved for the introductory offer. Then there was an Amex internal investigation & they came up with the false rebuttal that a popup showed up when I applied. 

The popup did not produce when I applied period. Otherwise I would not have applied for the AMEX personal platinum card. This tool Amex now utilizes sounds like it was not functioning or in a beta version when I applied for the card & the introductory bonus offer & terms were obvious. 

I have evidence to backup the claims made here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: KY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I did not have a previous balance from a prior month, but I was still charged interest for purchases that I made, despite the fact that my bill was paid in full by the due date and prior to the statement closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services, LLC
State: MO

Complaint narrative:
Ambulance bill from XX/XX/2018 for {$1300.00} was paid by XXXX. Whatever amount was paid by XXXX is the only amount XXXX XXXX XXXX can collect as part of XXXX Ambulance Billing Practices which both XXXX XXXX XXXX and Credit Bureau Services are in violation of. I contacted both companies XX/XX/XXXX via mail, neither company has responded and are still trying to collect on a paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My attorney sent a letter to Macy 's to the account ending in XXXX but never responded

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 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, I have been fighting PayPal for a week regarding them restricting my funds and not allowing me to transfer my money to my bank account. I have logged over 15 hours on calls and emails, getting hung up on, and ive been given inconsistent messaging as to when I can transfer my money. The reps I spoke to said that it is PayPals security review algorithm and they will not and can not give me a time to release my money. They refuse to give a time frame. Their suggested solution to a problem they have caused was to refund customers and request a different payment method. Im disgusted they would suggest I put my customers through this.

I have endured endless security checks through their two factor authentication, provided every bit of documentation they asked for, unnecessarily changed my password 20 times b
ecause their website kept redirecting me or stating it notices unusual activity.

The unusual activity is that PayPal yet again is holding money hostage and refuses to release my hard earned funds. I was told the problem I reported last week was resolved and was a verified member. And now I cant transfer the {$11000.00} in my account. This is a significant amount we need for our family. 

I have submitted two Complaints to XXXX  as Im tired of having to fight PayPal to release my money. This company clearly has no moral compass as it has no problem collecting fees but makes it impossible for a customer to get their money. 

This is nothing short of them refusing to my MY money, and acting like they are a bank when theyre only a payment processor. They are affecting peoples lives. They refuse to help me, stating they cant help, which means my money could be held indefinitely.

What theyre doing is illegal. I desperately Request PayPal resolves this and distrubutes the balance to my account ending in XXXX. 

My husband and I are also XXXX XXXX military, and it is clear this company has no integrity. Please help me. As paying customers for PayPals service, we deserve to be treated with respect and they need to be held accountable. They are not meeting the obligations of their policies, not disclosing their security checks or alerting customers, and not providing documentation of the security issues or status of account. They are actively withholding information on my money. 

I have attached proof that the items I sold were delivered, as well as proof of the balance and conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: UT

Complaint narrative:
Key bank allowed fraudulent charges from XXXX XXXX car take over {$4000.00} from my account. And the company XXXX was only able to provide one authorization signed by myself for XXXX $ for the week I had a vehicle. XXXX had some sort of computer problem and at one point thought I had 6 rental cars. Key bank didnt even look at my proof of only having the rental car for a week. Instead they reversed the original provisional credit and have refused to look at my side of the story. I had only authorized a payment for XXXX for the length I had the vehicle. I have also had thousands of dollars go missing and when I bring it up to key bank they become very rude wont give me an explanation for where my money is and tell me I need to keep track of my money better then hang up on me. They have stolen thousands from me. They give me a bank account that has no fees and I pay over XXXX $ a month each month in fees?? I am now negative {$3000.00} this is money I inherited from my deceased baby brother. This is unfair and sickening that they would do this. I deposited a XXXX $ check back in XXXX and still have never received my funds from my check. I need someone to help me get my money back. I feel like I have no voice they shut me down everytime and its wrong. They stole from me and allowed my money to be stolen and blamed me for it. They left my family and I stranded XXXX miles from home when they did this and have done nothing to explain where my money is and when I sent in all my proof of returning the vehicle and receipts and email discussion with XXXX them stating the vehicle was Infact turned in on the date I returned it and what matches my receipt. The other documents they have dont even have my signature. I never authorized them to take that amount and my bank allowed it and shut me down. What am I supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 after XXXX, I tried making a {$700.00} withdrawal from a stand alone Wells Fargo ATM. The process was almost complete until the machine was about to give me the money. The machine froze and then restarted and my money was never withdrawn from the machine. I immediately received an email error message telling me to call if i didn't receive my money. I called, made a claim, and waited for the 2-3 days for investigation they told me to wait. After about 4-5 days I called for an update and they asked me if i was referring to the double charge on my account and i told them no. " It is about the one time charge but no money was given to me '', I told them. They told me to give them 10 days and I later received an email that my claim was over and i was denied my money. I called again and a representative told me he would do another claim because they probably submitted the wrong claim of double charge which is why i was denied. I then spoke to a resolution specialist which told me they couldn't help me and to look for outside sources to try to get my money. I waited again and called several days later and they told me it was closed and denied again. I went to the bank and a banker called claims and spoke with a Supervisor and he made another claim. It has been 3 weeks and i have not received my money. Luckily I am not in need of money but I feel for customers that go through this and are short in money.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XX/XX/XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation