vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX of 2022 I submitted a payment of {$1300.00} to American Express through my XXXX checking account. The amount was subtracted from my checking account, but after two weeks it never posted to my AmEx credit card account. I first tried to deal with XXXX for this. They provided me with documentation about where the money went ( which wasn't my credit card account ) but said the rest was up to American Express to take care of. I submitted all the documents to AmEx in XXXX, they never contacted me about updates on my dispute, they closed my dispute, a representative on the phone tells me they intended to give me a {$1300.00} credit but that has never posted. It is now XX/XX/2022 and AmEx is still not assisting me with this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TX

Complaint narrative:
I have an account with ACE XXXX  ACE-ELITE Flare Account. 

I have been suspicious and have noticed recently that the balances does not add up to what ACE debit or credit to my account. 

For example : On yesterday, XX/XX/XXXX, I had a previous balance of {$15.00}. I made an ATM withdrawal in the amount of {$53.00}. 

I received a text account alert from ACE stating my account was overdrawn by ( - {$60.00} ) Additionally, I received an emailed NEGATIVE BALANCE TRANSACTION NOTICE stating the following : " Our records indicate your above-referenced ACE Flare Account ( " Account '' ) currently has a negative actual balance of ( {$40.00} ) after a transaction on XX/XX/XXXX. To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. We will apply any funds credited to your Account to your negative balance before such funds are available to you for use. '' I made a deposit today at or about XXXXXXXX XXXX XXXXXXXX, in the amount of {$240.00}. After which, I received another transaction account alert, via text stating the following : {$180.00} available in your Flare Account after adding {$240.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXX. '' In that, NONE of these balances or the idea that {$20.00} Overdraft fee was avoided. 

Particularly since.. My account had a balance of {$15.00} ( XXXX ) to the {$53.00} ATM withdrawal. $ XXXX $ XXXX ( - {$37.00} ) NOT ( - {$60.00} ) as ACE has wrongfully and falsely misrepresented. 

Even if the {$20.00} Overdraft fee was added, the balance due should ONLY reflect ( - {$57.00} ) NOT ( - {$60.00} ) as ACE XXXX has wrongfully charged my account. 

Lastly, If the {$20.00} Overdraft fee was avoided as ACE XXXX has falsely advertised, " To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. '' the final balance in my account AFTER my deposit in the amount of {$240.00} should be : ( {$280.00} ) NONETHELESS, my current available balance is {$200.00}. And there are no pending transactions EXCEPT an automatic draft that is scheduled for tonight in the amount of {$170.00}. Therefore {$77.00} is UNACCOUNTED FOR and unavailable for my use. 

Further, I am aware that XXXX EXPRESS has been fined by your organization for the same activities. This has been going on with my account for a very long time and my account needs a complete audit as I am under the impression XXXX EXPRESS has wrongfully, stole hundreds, IF NOT thousands of dollars from my account because of their own accounting. 

Please assist with this complaint and also be aware that XXXX EXPRESS is notoriously documented and proven by the CFPB, for committing these acts against their account holders.

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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
Calling my employer to take my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-10-12 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: TX

Complaint narrative:
This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Ive never received any type of debt validation notice. This company is also reporting inaccurate information as well as different and information such as balance and dates of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NY

Complaint narrative:
When trying to find housing, I noticed all of the sudden there were two student loans for {$1000.00} and {$770.00} that cant possibly be mine. I am XXXX XXXX XXXX and have not been in college for 20+ years. I did have a student loan for {$4000.00} that was paid in full many years ago. I lost my only child on XX/XX/2022 and this has cause me even more emotional grief and stress. I need to move out of the home where my daughter died and I am trapped her because my social security number has been compromised making it impossible to move. My Fico has dropped more than 100 points and these items have come out of nowhere. I want these negative things off so I can find housing. This has caused me a great deal of heartache. My identity has been stolen on more than one occasion and I have been a victim of identity theft time and time again. I have worked very hard to rebuild and now I am just trying to heal and move out of the place I live to heal in a place my child didnt die. 
Please help! I have 100 % history on all my accounts and this has ruined everything. 
Please help! 
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 2022-10-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-10-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: IT'S TIME - CREDIT REPAIR LLC
State: TX

Complaint narrative:
I started fixing my credit on or about XX/XX/XXXX with Its Time Credit repair company and they assured me they would be there for me every step of the way and said they would guide me through getting my credit right, not only did they fail to follow up on appointments but they charge me XXXX twice a month once on the first and the other on or about the XXXX of the month. Ive seen little to no change with my credit improvement and none of the inquiries on my account. Ive asked about cancellation due to unsatisfactory service and they said I could not cancel due to us being in business for so long and it being past the 3 day mark or being able to cancel. Also they failed to correctly inform me on how the process would work and inform me of my rights

Company response to consumer: Untimely response
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX  replaced their old credit card servicer with Barclays Bank. I received my new card in XX/XX/XXXX. I hadn't received a XXXX bill for several months prior to that. I received my first XXXX  Barclays statements at the beginning of XX/XX/XXXX ( period XXXX ) At that time I called and requested the fees and interest be removed because I hadn't received a statement in several months. I was told the amount would be {$350.00} which I promptly paid on XX/XX/XXXX. I received my next statement and it still had the original balance ( with fees and interest ) and new fees and interest. My payment had not been credited. I spoke with the credit card company again ( Barclays ) and explained that I had paid and not only shouldn't there be a balance but also should not have fees and interest because it was paid. I then submitted another payment on XX/XX/XXXX through my bank XXXX for the amount of {$350.00} ( the original charges minus fees and interest since I shouldn't have any ) .I now have a balance which quite frankly I'm not sure what component are fees and interest ( which I shouldn't have any because 1. I didn't receive a statement for several months when they were in transition and 2. I paid immediately the first bill I received when the new bank told over XXXX  credit card. I Now have a balance {$490.00} which again, I'm not sure how they got this balance especially since I paid twice I should have a credit. Please 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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I paid off XXXX accounts ending in Account Number **** XXXX Account Number **** XXXX Portfolio Recovery is refusing to remove them from my credit report or update the balances from my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
capital one auto finance XX/XX/2021 unauthorized credit check didn't apply for car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-10-12 00:00:00
Product: Credit card or prepaid 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: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
In XX/XX/2022 I started selling my stocks from Robinhood in bulk and they did not like it. While processing a return for a camera that was close to {$4000.00} to XXXX XXXX, they only refunded me {$1300.00}. I asked if they could provide proof of all transactions from my account and they refused to do that. I found a dispute against XXXXXXXX XXXX located in New York who Ive worked with since I was a little kid in my parents store with XXXX other siblings. Robin Hood sent me a letter almost 120 days later telling me they would not solve or provide what verification and or alternative actions to assure the safety Of my consumer protection. This led to another claim against you printing Not far from Robinhood. After the dispute was submitted I was told by phone I would receive a provisional credit as it is their policy which was not true in my case. I sold my stocks in good faith without paying attention to what other people had to say and learned its important to balance both with an open mind. This all happened after having to bury two family members because Im the breadwinner in the family. Robin Hood eventually close my account and limited my access to use the app. This XXXX me from messaging on the app, sending emails to the correct department even though I was quoted it will be forwarded to the correct department, not to mention they did not verify my account security and identity until I Threatened to file a federal case which could have resulted in justice at the time they last settled. Lastly, My stock values provided security Which required two years of 80 to 100 hour weeks of commitment. I will not give up nor settle for action not being taken. They owe me nearly {$25000.00} of funds that were paid to them either in error which I hope they can confess, or in the stock prices they made me pay more for as well as the claims That were filed against two of the hundreds of merchants who learned their lesson already or not. I really appreciate you guys. I came from nothing, grew up in over XXXX XXXX XXXX and always had a dream to follow. I am an XXXX XXXX XXXX XXXX XXXX XXXX  And the list surprisingly and gratefully grows in accordance to the Law of civics. I will conclude by extending not only my trust but also my optimism for a greater outcome within Robin Hoods institution And truly wish them much success and abundance. Kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : experian # XXXX has violated my rights. 
XXXX BANK XXXX XXXX XXXX XXXXWhat 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX XXXX XXXX name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX BANK XXXX XXXX card name Balance {$320.00} Updated on XX/XX/2022 XXXX XXXX XXXX name Balance {$290.00} Updated on XX/XX/2022 XXXX XXXX card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX  Link card name LATE PAYMENT XXXX {$310.00} Updated on XX/XX/2022 XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
- DEBT COLLECTOR CONTACT WITHOUT PRIOR AUTHORIZATION OR CONSENT AS PER 15 U.S. CODE 1692c - DEBT COLLECTOR COMMUNICATING WITH A CONSUMER REGARDING A DEBT BY POSTCARD. VIOLATION OF 15 U.S. CODE 1692f ( 7 ) - DEBT COLLECTOR USING MISLEADING LANGUAGE TO IMPLY THAT THE DEBT COLLECTOR 'S COMMUNICATION IS FROM AN ATTORNEY OR THAT THE DEBT COLLECTOR IS AN ATTORNEY. VIOLATION OF 15 U.S. CODE 1692e ( 3 ) - DEBT COLLECTOR KNOWINGLY TRANSFERRED, POSSESSED, AND USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON. THIS IS A DIRECT VIOLATION OF 18 U.S. CODE 1028A ( a ) ( 1 )

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 2022-10-12 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: MI

Complaint narrative:
my information was misused and has caused harm to me and my report setting me back in a major way because Transunion agency has not been 100 % accurate. I sent along attachments on he violation they continue to break.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query. 

This inquiry was investigated though the wrong account details was provided my account I am stating ends in XXXX the company replied back with something that doesnt match my records and 2. I have deposits from XXXX going to this account and I have been barred access the email on file with bank is XXXX my uncle email where my statements are received I keep getting daily balances emails. 3. My account keeps charging and charging but I cant access it or stop anything or get my funds.

Company response to consumer: Closed with explanation