vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Received text stating PayPal account has been locked. I do not have a PayPal account. Text received XX/XX/2023 From : XXXX Text Contents : Your PaypaI has been limited. 
We have locked your paypaI because our service has detected two unauthorized attempt. 

To unlock your account, you required verify your Account. 
Click the link below to unlock your Account : XXXX XXXX XXXXXXXX Your account will be automatically unlock, after finishing the verification. 

Best Regards, PaypaI service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
I have some fraudulent accounts and addresses and job that do not belong to me and I have no knowledge of.one of the accounts is a XXXX account, and the other account is a collection account from a company called oliphant collection agency.I contacted both companies and ask them to provide documentation that those accounts belong to me but the couldn't.i would like these accounts removed because these accounts are a act of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Both of my accounts with Wells Fargo had money taken out of it due to a legal order that was placed with Wells Fargo with a person Social Security number that was similar to my wifes. I checked with the company which is XXXX XXXX XXXX XXXX, which they told me they didnt have any records of me and my wife they have taken over {$2500.00} out of my account to find out that someone from Wells Fargo put the wrong Social Security number in and didnt verify the name which is neither me or my wife now I have two hard to hard. What is it called? locks on both of my accounts and no one from Wells Fargo seems to help. We have no access to our accounts. We have money going in every day which we can not see anymore and if it is being taken out by the company everyone from Wells Fargo is hanging up on me and not trying to 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 monetary relief
Consumer complaint received 2023-02-19 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: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following account is not mine XXXX THE GENERAL IN COMPANY Account Number : XXXX*Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXIdentity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-02-19 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: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Case filed in XXXX  by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in XXXX. I'm not a resident of XXXX  and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in XXXX. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( XXXX ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Disputed with the Bureaus and made calls to remove the inaccurate information.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since I got this mortgage with chase, they report it to the credit agencies as revolving debt, like a credit card. They also tell me that I am not paying the principal amount fast enough since the first month of the loan, even though I pay exactly what my mortgage bill says to pay. I have a letter from Chase stating debt is reported as a mortgage but on my chase app it says just the opposite. Because of this I have lost XXXX points in my credit score even though my record now is better than it was before I got this mortgage. My car loan is reported the same way, with revolving debt and not as a collateralized loan. Nobody at chase I've talked to can answer any of these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone applied for a Bank of America ( BofA ) Alaska Airlines card in my name and I have a Hard Inquiry on my Credit Report ( s ). 

I spoke to XXXX separate people on the phone with BofA and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of Bank of America had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an Alaska Airlines card when I live in XXXX. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with BofA

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 2023-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: PA

Complaint narrative:
the money tht student loan is stating I own is incorrect, the loan amount tht was return have not came out the loan amount. {$6800.00} in unsubsidized funds was cancel and {$4300.00} in subsidized funds was cancel over the life time of my loans. the total loan amount are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has violated my Consumer right in pursuant to 12 cfr 1026.13 ( f ) ( 2 ). They did not conduct a fair and equitable investigation and failed to provide me with proof of indebtedness as a result of identity theft. Their also violating me in pursuance to 15 usc 1681 ( a ) ( 4 ). By continuing to report inaccurate information and breach my rights to Privacy. I have provided all documents for this investigation previously. I'm not required to provide anymore.

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 2023-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I made a deposit of {$2400.00} cash at the TD bank ATM at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
The ATM didn't proces the money and didn't return them, but asked me for the amount and printed me a receipt that says " forced deposit " Next day I checked my account and noticed that was a deposit correction of {$1100.00}, I've been calling them letting them know that im late on my mortgage because of this has been a week and besides apologies haven't got any help from anyone that I spoke face to face at the bank site nor over the phone, if this isn't a robbery  I don't know what is

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
I sent a letter out on XX/XX/2021 to XXXX, XXXX, and Equifax. However it's been over a year and XXXX and Equifax failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I initiated a balance transfer to receive 0 % interest on a large balance that XXXX of my authorized users racked up. I pay all of my bills in full monthly, but once I saw that he no longer could, I moved the balance to this card. I understood this balance transfer to be separate from my other charges, which I pay in full every month prior to the transfer and did so once the balance was transferred. Unbeknownst to me, because I had transferred a balance to this card, and was still having other charges, the promotional apr of 0 % was nullified and then I got interest charges. I called asking why and they reversed the charge. I called again asking how much I need to pay to avoid any future interest charge, thinking it came because of the transfer fee and they said I have to pay in full now since I had purchases. Huh??? I never heard of this in my life. If the transferred balance is 0 % until XXXX, why is it now due in full because I made a purchase? I assumed that my transferred balance was separate from any new charges as those were eligible for interest if not paid in full, however since I always pay them in full, why did it nullify the balance transfer terms. The call was so frustrating. The XXXX rep continued to say I missed a payment when I had a XXXX balance in XX/XX/XXXX. After finally getting her to understand I had no balance, she then transferred me to someone who told me I will get charged for interest as long as the card is being used. I would have never accepted this offer if I knew that. I think it's crazy that the promotional balance is mixed in with the standard purchases. They basically sucked me in to bring over a high balance to then nickel and dime me on my regular purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Disputed with the Bureaus and made calls to remove the inaccurate information.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Disputed with the Bureaus and made calls to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In early XX/XX/2023, I applied for the American Express Platinum card via their website. Prior to signing up, I called AMEX and was told that it is AMEX policy that, under the Military Lending Act, they waive their annual fee for military members. As an XXXX XXXX military member, as a XXXX  at the United States XXXX XXXX XXXX, I am therefore entitled to their policy and applied for the card solely because I was told the policy would apply to me. On my application, I noted that the majority of my pay came from my military income. I was approved for the card and yet, on XXXX XX/XX/XXXX, I was charged the annual fee. I contacted AMEX and let them know that I was supposed to have my annual fee waived. The agent apparently said that my application was processed under SCRA, not MLA, and that it would have to be resubmited. On or about XXXX XX/XX/XXXX, I called AMEX again and was told the submission was not done, but that it would be. I paid my annual fee as I was told there was nothing they could do with the fee and that I had to pay it, but that it would be XXXX days for them to review. My understanding is that AMEX, like other companies, simply check the XXXX XXXX website that confirms XXXX XXXX member rights, though some of my friends who are new to the military do not automatically pop up. Regardless, having seen no action, on XXXX XXXX, I called and spoke to an account manager and asked for the status. She said that she does not see that anything was filed under the MLA, but that there was a XXXX  request. I find it highly suspicious that AMEX would lure military members into paying an annual fee and then not have AMEX properly review the XXXX XXXX website or make any other effort to verify eligibility. While it is a very generous interpretation of the MLA, if the policy is only applied to people with the names XXXX or XXXX and not so much to those with a name like mine, the policy and actions of AMEX is XXXX and discriminatory. I asked if I could cancel my card and receive a full refund of my annual fee since AMEX took more than a month before they processed anything to see that I am XXXX XXXX, and was told it would take another 30 days which would then put me beyond the 30 days that AMEX advertises I can get a full refund of my annual fee. To tell someone you will qualify for a fee waiver, then to process it incorrectly, then to do nothing, then to ask for another 30 days so that a member would be ineligible to get a refund is a sneaky and deceptive way to take money from military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I inquired about raising my credit limit on my XXXX XXXX XXXX through their website. I accidentally hit yes to agreeing to a credit pull and I did not want to do that. I first called the XXXX XXXX card to request they remove the ping on my credit because it was done by mistake, and they stated they couldnt that I would need to submit all this paperwork and copies of my credit reports to them which I thought was a little too invasive. So instead, I contacted TransUnion and informed them of the same mistake and they too want me to send all this information, but first send a letter to XXXX XXXX, copy their response, send it back to them along with a cover letter and written statement why this was a mistake. I found that way too excessive over XXXX mistake! Im only requesting that the XXXX hard Inquire on XX/XX/XXXX be removed from my credit. I have snapshots of the entire convo via text between me and TransUnion. Also, my name is wrong on their site. They have me as a XXXX XXXX XXXX but I do not have a middle initial.

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