vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened an account for a credit card with Bank of America in early XXXXXXXX XXXX XXXXXXXX. I received a mailed invitation that I was pre-qualified and to apply for one in the mail. The offer included an option to transfer existing credit card balances for 0 % interest rate until XXXX. I applied and included amount I wished to transfer ; I was approved. I received the card within a couple weeks and went to activate and was prompted to call in due to fraud concern, I immediately called and was cleared for activation and use. I downloaded the application on my phone and within a few days, I received another fraud alert and called in to clear this up. I was advised I was all set. I made a XXXX payment and when I tried to use the card in late XXXX, it was declined. I received a notice by mail XX/XX/XXXX that my card had been cancelled. My credit score was impacted, and I was not allowed to make payment on the balance that was transferred. I called the company on XX/XX/XXXX and was advised they cleared me for payment, but I would have to reapply for a new card. My credit score is lower because of this, and I do not want to do this. They said there is nothing they can do. I filed a complained and demanded this be investigated as I have done nothing wrong. I have not made any purchases and have made payment on time. I believe this to be a tactic with this bank to lure business in to get the transfer fee. The rep, XXXX told me that this happens to a lot of people. I simply want my original card reactivated, be allowed to pay off the debt and have my credit score restored to what it was previously. This is a deceitful business practice and predatory. The company must review their fraud processes and business systems. Their XXXX page has a multitude of complaints and I wish I would have been a smarter consumer and reviewed this. I would never have applied for this card had I known the consistent issues that I would be facing when dealing with this company. I am also unable to view any documents or history in my app.

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 2023-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I have 3 accounts with M & T bank. They recently put a hold on all of them. They suspected fraud when I sent a certain amounts of money. I called and told them it was not fraud and to cancel the dispute/investigation process. They refused and said they are closing all my accounts and that I am restricted from accessing my own funds. I cant even go to the bank and take money out. Shouldnt have to wait until that is over, if my accounts are closing regardless then they need to let me just get my money now then. Im a single mom, have XXXX children to take care of currently homeless in a shelter and no income. Its ridiculous why I am still waiting. I just want access to get my phones take out my money and go elsewhere while they investigate whatever they need to and close that account. The account needs to be at XXXX balance anyway for it to be closed so they just keep giving me the runaround about my money and refusing to let me just go to the branch and take all my money out!.

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 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I use PayPal and I was looking at my transaction history to see how much my paycheck was that gets direct deposited. I noticed FOUR transactions that I did not make or authorize. They were all around $ XXXX {$68.00}. So I XXXX PayPal 's phone number and called it. From the very second the call started, the man who answered the phone was very broken up and I didn't hear what he was saying. So he then called me back from a different phone number. He stated that he was from PayPal and I explained everything. He said they were going to give me my money back but he had to make me go through some security steps to make sure my identity. He had me download an app called " XXXX  '' which I guess mirrors my phone screen and sends it to him. He then had me transfer the ENTIRETY of my money, every cent, to my cXXXX XXXX. And then from my XXXX XXXX he had me send the entirety AGAIN ( {$630.00} exactly, which didn't include the {$240.00} and some change from the unauthorized charges ) to a different account and that account DID NOT BELONG TO ME. He stated that it wasn't really my money, it was just a security task. So now, I don't have ANY of my money. And I have no clue what to do, because I thought because it was " PayPal '' that I'd get it right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In my complaint I sent a 50 page fax to back up what I said to the banker when they took my complaint what the bank is saying they didnt receive documents stating what I was suppose to receive and how was different then what I got apparently they cant read because its one in my statement to the baker who took complaint and they didnt recieve documents with specific cancellation information that is also in the papers I sent them they merchant never sent me my second item after I complain to him his tune is garbage he merchant breached the contract by not sending me my second two and his first one was trash. All this is listed in the paperwork I sent them.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX,,,, fortiva credit card company is calling me at XXXXIhave asked them to stop calling me while im at work, home and on my free time and they will not, don't have a credit card with them..fortiva, calls me, this is very stressful, and XXXX... they will not stop!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I had an account with Coinbase Pro. I forgot my password and kept trying to get in, but it always took me to Coinbase. After speaking with someone they told me my account was closed. And that everything was moved to Coinbase. I asked where the money was that was in my Coinbase Pro account, and they said they could see it but did not know how I could access it. They said they had to escalate the situation because they were not getting an answer. They explained I would receive an email in regards to this. That was days ago, and I have not received anything in response at all. I have no idea how long this account has been closed, they have made no effort to get any money to me, and I have been trying to get in for over a year now. The email address used is XXXX. That is the address associated with my Coinbase pro account that used to exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-09-29 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX # XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Financial Services
State: IL

Complaint narrative:
I was told by XXXX from consumer financial service east that I shouldnt worry bout my credit report and since I dont pay my bills they not going to worry bout it, I have all the payments I made and all the stuff I was sent. I really want this taken care of, I shouldnt owe {$8500.00} and I was told only way to get vehicle back is to pay XXXX right away and then XXXX $ per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I sent ChexSystems a letter requesting my full file disclosure as well as my report and in turn they would only send me a score. I provided proof of my identity as well as proof as address as required and they are still not sending me the information I requested and sent me a score that I didn't request.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My closing was scheduled for today. I was informed yesterday that the loan company failed to send over the documents needed and they completely quit communicating with me. I've frozen my credit file, but I'm legitimately scared I'm about to have my identity stolen or something, because to completely go no contact after the loan was approved and about to be signed and notarized, this is just so weird and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CT

Complaint narrative:
Between XX/XX/2021, and XX/XX/2021, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
After several contacts with Comenity to pay off card, several agents confirmed removal of fees and claimed to set up payment plan to pay off card by XXXX. Balance was never adjusted, fees were never removed, and balance is still several hundreds dollars after completing payment plan. I have also been charged additional fees since last payment that was supposed to pay off card. Last payment was said to be approx {$40.00}. I set up auto payment for this and was charged approx {$60.00}. Recieved a call this morning stating that I had a remaining balance of approx {$200.00}, agent claimed to remove {$190.00} of fees that was previously promised but that I still have approx {$50.00} left. I was transferred to escalation and was told they would review calls. I dont believe them, they are professional liars that take advantage of struggling customers and mislead them in a way that causes more late fees to be accumulated and lowering of credit score.

Company response to consumer: Closed with monetary relief