vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2022 On Wednesday XX/XX/2022 I XXXX XXXX XXXX received a phone call from a gentleman stating he was from Bank of America Fraud dept. First call was at XXXX from phone number XXXX, guy stated his name was XXXX XXXX XXXX He proceeded to keep calling back at XXXX and told me he wanted to check my acct and said to send over {$3500.00} through XXXX . I stated I have never in XXXX  yrs of having an account with Bank of America ever signed up for XXXX, my wife ( XXXX XXXX XXXX pays all the bills and this is a joint acct. XXXX then stated he would walk me through how to set XXXX up so they could do the test and would send the money right back to my acct. Once the money was transferred he stated that give it a few minutes and Bank of America will transfer back. Which never happened. On the bank statement if states XXXX XXXX confirmation # XXXX got the transfer. 
XXXX XXXX also stated to me that they noticed that there was a withdraw from a XXXX XXXX for {$1100.00}, XXXX XXXX told me dont worry we will get your money back. XXXX stated that he ( XXXX XXXX ) would call me at XXXX and to go to XXXX and he would walk me through of what needed to be said to Customer Service and would get my money back. He did not call so my wife XXXX XXXX XXXX called the fraud dept and they transferred to XXXX fraud dept and put in a claim for the fraud. As I was on the phone with a lady from XXXX fraud, XXXX XXXX called my number back at XXXX and wife answered and stated I was not available, he then called back at XXXX and XXXX from a different number XXXX. 
I gave the information to the XXXX fraud dept while I was on the phone with the lady from the bank and they would put in a fraud claim. 
My wife called the bank back several times after we got a letter dated XX/XX/2022 with claim # XXXX in the amount of {$3500.00} that they were unable to approve this claim. My wife XXXX XXXX XXXX tried to call back several times and they denied us the money back. XXXX had spoken to XXXX from XXXX fraud and told us to file a police report and check out IC3.gov-file a report. 
I did receive the {$1100.00} back from Bank but not {$3500.00}. We did file a police report with XXXX Police Dept.

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 2022-08-01 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was supposedly called by XXXX, because they were going to cut me the power off for non-payment. They asked me to send a code through XXXX, but in the end it was money. They took XXXX  dollars from my savings. 
I called the bank immediately, but it was not possible to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
I opened this acc in XXXX this is old XXXX After that i moved to XXXX and i opened the acc from there and I received a money from my clients, My work is completely online in tourism in XXXX, i have website for tourism and clients text me on XXXX and make reservations for trips and theme parks tickits One of custome service called me in XXXX and said you should going to XXXX and add XXXX bank account for withdraw the amount, I did it already and opened bank acc in XXXX and added this acc in my PayPal acc, After that they limit me because they needed recipes for transactions but my business completely online as i told you, when i sent messages to explain that they close my acc and mailed me you should wait 180 day to restore that and withdraw a money I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
So Paypal open a credit card in my name that I didn't approve for back in XX/XX/XXXX. I talk to someone about this situation but they never removed off my credit file the balance is ( {$0.00} ) the account is closed due to been inactive and the date it's closed on XX/XX/XXXX the credit was $ XXXX repeat ( I NEVER ) open or filled out an credit application with them. Please help me & please removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I started my journey getting some much-needed dental work. Unfortunately the dentist did not do a good job and I had to ask for a refund. I used XXXX credit company to finance this. After many months of deliberation I received a refund and the Account was paid in full on XX/XX/XXXX. Several weeks before the account was paid I opened an investigation on their account page to make sure it was taken care of because the dentist was not doing his job. After seeing the account was closed I tried several times to call the company but due to some issues after a system update you can not physically reach anybody for almost a week. I was finally able to reach a gentleman on XX/XX/XXXX and he informed me that he would get the investigation closed, that was the reason I had not gotten a check yet because the investigation was still open, and a check would be sent out immediately. The {$990.00} check is the amount that I paid into the account that was 100 % refunded. I waited for XXXX weeks and still no check so I called again and was informed by a supervisor that because of the size of the check for {$990.00}, it could take XXXX to XXXX business days so just give it a few more days. Fast forward XX/XX/XXXX and still no check. I called them again and spoke to a supervisor on XX/XX/XXXX and informed her that I was told the check was on the way everything was closed and I did not receive my check. Her new story was that the investigation takes several days to close and that a check had not been sent out yet and nothing would happen until the XXXX. So I was told the investigation would be closed, I was told a check was on the way, I was told to wait several more days, and now XXXX getting a new story. And I still have no check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: VA

Complaint narrative:
XXXX ( recently rebranded as MidFirst ) illegally withheld interest earned in my checking account. On XX/XX/XXXX, I called to close my XXXX account. The representative informed me that although I had brought my balance to zero, my account had earned interest that had not yet posted. She asked whether I wanted to forfeit that interest by closing the account before the interest posted. I said no, I did not want to forfeit the interest, so I would wait to close the account until after the interest posted. I asked when the interest would post. She said early XXXX. I told her I would wait until the interest posted, then call back in XXXX to close my account. My bank statement dated XX/XX/XXXX accurately states that I had " interest earned '' on my account. But that interest had not yet posted. On XX/XX/XXXX, I called to ask when that interest would post. A representative named " XXXX '' claimed that I had forfeited that interest by closing my account. I said no, I had neither forfeited the interest nor closed my account, as evidenced by the XX/XX/XXXX recorded call. He said XXXX had closed my account. I asked when XXXX would send me the interest earned, as other banks do after an account is closed. He argued with me and interrupted me repeatedly, and finally agreed to submit a " call review request '' for a supervisor to review the recorded call and then contact me about it. No one has contacted me. In sum, XXXX blatantly disregarded my instructions, closing my account prematurely so that it could avoid paying out earned interest. XXXX has rebranded itself as " MidFirst, '' apparently to avoid the stigma XXXX earned for treating customers badly. REAL banks pay out interest earned, even after account closure.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX I found out that Bank of America Credit card as well as XXXX additional accounts have been opened under my name without my acknowledge. Those accounts related to Bank of America and they are fraudulent without my permission. I have contacted Bank of America to close those accounts. I also found out that there is an address that ties to the fraud account is not my adddress that Bank of America used.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-01 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: DISCOVER BANK
State: NC

Complaint narrative:
Discovercard Actual Statements : The uploaded documents I received from DiscoverCard Shows DiscoverCard is intentionally and maliciously reporting wrong data to the credit bureaus. 

This XXXX because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on XXXX credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over XXXX old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where Discovercard has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows XXXX thing and these show another! XXXX going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IN

Complaint narrative:
I took a loan out on XX/XX/2022 for {$840.00} and was told my interest rate but with the payments that they are taking out, was told the fee would be xx.xx and only {$10.00} was taken for principle amount. They have excessively charged fees that I was not told of and the total amount of " fees '' I have paid to this date is almost ten times the amount of what I borrow. I did call to request a fee reduction since I have made my payments on time each and every week. Yes, this is a weekly fee amount and I will never be able to pay this off with the highest rate of fees I have seen. It is more that what was stated in the contract and now the principle balance has hardly reduced.

Company response to consumer: Closed with explanation