vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I lodged a complaint about XXXX XXXX XXXX complaint # XXXX. It is regarding double payments & billing iseues. On a couple of occassions I had made XXXX payments in 1 months time. I received a invoice stating my next paymnent is due XX/XX/XXXX. I contacted the company again today, only to be informed that : when I make a double payment in a months time, the additional payment goes directly to the PRINCIPAL!!! Which I was unaware of & I was informed it is in the agreement... .. well a ) I do NOT recall the agreement as took this loan out over XXXX yrs ago ; b ) IF it is in the agreement, I did NOT see this notice because I have a visual impairment & can not see regular print. I need larger print or BOLD print to see. So all this time I am making additional payments on this loan thinking I am ahead by 2 months & in reality I am NOT ahead in montly paymwents IT is just deducing my principal. I am paid up through XX/XX/XXXX .... in my calculation BUT in the company calculation I am just minus the principal amount. To me this is misrepresentation & misguidance to the consumer. I do NOT know IF anything can be done about this BUT I do believe someone should have called me & notified me of this practice ... .. that additional payments go towards the Principal! Again I was NOT aware of this @ all!!!!! A company 's billing practices should be clearly explained to the consumer. All this time I am believing I am ahead in my monthly payments BUT in reality I have just deduced principal amount!!!!!

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/2022 chime authorized a payment of XXXX from my canceled card ending in XXXX with no no overdraft no spot me it was a secured account with XXXX dollars. I disputed it with chime dispute never went in my favor..Chime has unfairly closed my acct because of there lack of ability to take responsibility of there actions. And because so I lose points to my credit.im a single full-time grandmother raising XXXX gransons XXXX is XXXX  XXXX I use my credit to purchase XXXX  XXXX  they are hurting a XXXX  while affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX  Bankruptcy Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Companys Ran my credit without consent multiple times . XXXX XXXX XXXX

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 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: MI

Complaint narrative:
They call me constantly. I already reported them for spam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2022 I received an email stating that PayPal would be keeping my {$26.00}, XXXX due to Acceptable Use Policy Violation. 

PayPal is in breach of their contract as their contract states all/any disputes would be handled via Arbitration. I was not allowed to have a third party involved as far as an Arbitrator nor court involved in this decision, PayPal has played the role of Judge, jury and executor. 

PayPal has not presented me with any evidence regarding their alleged claims against me but instead has taken an aggressive adverse action against me. 

In addition the consumer wonders if this has been reported to the IRS for proper credit for taxes...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
THIS WAS A XXXX SCAM CASE # XXXX On XX/XX/2022 about XXXX Huntington bank called me and said they were fraud team and asked me if I'd approved a XXXX $ XXXX payment to some females name ( wrote all down ). I said no and got scared and he said he had to walk me through transferring that money out of the acct so It would not be lost and that they would catch this person. He kept me online banking and had all my information! He told me what was in my accts and he was right! Kept putting me on hold and then have me look and after a while I said I can't stay in the phone and I don't think you need my birthday. He then and another man both started laughing and cursing me! Omg they'd stolen almost XXXX $!!! I immediately froze cards changed password transferred remaining money into savings and tried with no luck to call Huntington! After hours so fb with them. Next morning spoke w three dispute people at Huntington and one of the females closed my savings account and said I'd agreed to that ( I found out later ) and blamed me for the scam!! I was so upset and I am very ill and had to be at hospital Friday next day and by the time got done bank closed so went sat morning to Huntington bank XXXX XXXX WV and was assured everything would be fine and then XXXX said a XXXX had closed the savings and said I agreed. I had no money! She said don't worry we'll take care of it and explained how the XXXX  scam works and told me not to call the dispute team just come to the bank. Assured me everything was fine. Monday I went back and XXXX XXXX said he was my banker and XXXX was supposed to get a hold of XXXX and find my savings money and call me but she wasn't there and when I called she said XXXX was working at home and didn't respond to the email. XXXX took me through hoops and told me he'd fix everything and is still doing that now! But Huntington lied and they went back and took all of the XXXX $ back from me that the scammers took! And now they won't let me set up recurring rent and I had to borrow from my son and they just blow me off! I'm SSD SSA hud and XXXX very ill retired nurse and they have treated me like the crook! The e regulation should cover me! I have never used XXXX and they are responsible for the security of my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-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. 

Accounts Disputed Listed Below : XXXX  XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: FL

Complaint narrative:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX.

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 2022-11-11 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: FL

Complaint narrative:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX.

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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, at XXXX XXXX  I received four emails stating that I had an Online Application is in progress. I was at work and had no clue this was happening until I came home from work and noticed the email notifications. I tried calling Bank of America but couldnt get through without an account number, of which I dont have. So, now I am hoping to physically go into the bank and find out how this happened and what is happening.

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 2022-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX  to help reinstate my mortgage. 
My mortgage is with XXXX XXXX XXXX XXXX  Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case. 

The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure. 

I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX 

After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them. 

Bait and switch- this is not what the agreement stated when I signed it. 

If someone could please help me with this matter I would very much appreciate it. 

Sincerely, XXXX XXXX

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: E-Backgroundchecks.com, Inc.
State: CA

Complaint narrative:
Company refuses to give me my report and information inside such there response is they want me to ID myself I did attached as well informed them of my new address XXXX XXXX XXXX XXXX XXXX  CA XXXX again attached verifying myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
GOOD DAY SIR / MA I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 

THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. 

ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 

I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. 

I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, I WILL ATTACH A COPY OF THE LIST OS COMPANIES THAT ARE CHECKING AND MONITORING MY CREDIT WITHOUT MY CONSENT AND APPROVAL YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX  Account Number XXXX CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX COLLECTION ACCOUNT balance {$700.00} Original Creditor Name CREDIT XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX I was contacted by a Recruiting staff of ( XXXX XXXX ) stating she found my resume on XXXX. They wanted to interview me for the XXXX position. I then was hired by HR and every morning at XXXX I had to sign into XXXX XXXX and train. 

On XX/XX/XXXX, I was sent my welcome letter and two checks to get all equipment needed. I deposited the checks into my USAA account and started to order the things they told me to get like the headset, printer ect. However, come to find out the checks were fraudulent, and the job was too. After, realizing what was really going on by then I was scammed out of {$2900.00}. I contacted USAA and filed a police report. USAA proceeds to lock my debit card and account because they were going to investigate as they should. 

Again, that was XX/XX/XXXX, when the investigation started. It is now well over 30 days! I have contacted USAA several times for an update. Of course, I was told the investigation should have been completed by now, however it is not, and my funds are still on hold as of XX/XX/2022. As, a service member of being in the military I thought USAA would be a great bank. I was wrong! I have bills that need to be paid and USAA has my funds still on lock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
If you carefully read the documents that I put below you will understand my annoyance with these credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute but was able to resolve the issue and get it figured out with the merchant. So my bank debited the provisional credit they provided to my account. I agreed. But then they also went to the merchant and requested a payment reversal after the fact I cancelled the dispute. Now, the merchant has put my account in delinquent status and is putting my personal belongings for auction in XXXX because my bank failed to cancel the reversal and denied my request to return the payment to them. Im delinquent over XXXX $ because of this. And my bank still denies helping me

Company response to consumer: Closed with explanation