vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i wil be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: DISCOVER BANK
State: CO

Complaint narrative:
Hello, Since XX/XX/XXXX, Discover Bank has continued to report inaccuracies on my credit report to the bureaus. I have tried multiple times to resolve this with Discover 's Fraud team who knows that this account had severe unauthorized activity and the account was closed due to it being compromised. Even though Discover closed the account due to unauthorized activity and fraud- they never conducted an investigation into the transactions to get the funds back and they are reporting it as my debt. I only had a balance of XXXX on my Discover Card that I had access to and they are reporting over XXXX to the Bureau 's which is impossible because that is 3x over the spending limit that I even had. They are stating that it will stay on record until 2029 which is very unfair. I have no issues with a lot of other credit cards, loans, etc that I have paid off or am working to. However, this balance is vastly inaccurate and it is ruining my ability for future credit cards, applications on apartments/houses, banks, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Out of the blue Venmo arbitrarily has frozen now suspended my account. I added {$40.00} to my account and after I did this my account was frozen. Ive contacted them multiple times and they refuse to tell me why my account is frozen, now suspended and require me to email them and when I do I get no answers. Apparently the group that handles this doesnt have access to phones so there is no way to speak directly to anyone that can do anything. This is a joke and furthermore criminal that they can just deny you access to your funds for no reason at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Between XX/XX/XXXX threw the XXXX of XXXX  a account with ( XXXX XXXX XXXX ) was taken care of in full and then was CLOSED! I have the pictures to show this! Well not even 2 months after it was closed and off my credit report it shows back up and shows a balance of {$1000.00} which is NOT CORRECT! I have sent in disputes and fought this for the last 8 months and get nowhere! They had it off my report and then put it back on. This is not the only account either!! The XXXX account with ( XXXX XXXX XXXX ) was also taken care of in full and was then closed and off my credit report and I have the photo to also prove this! This account is now showing a {$1300.00} balance. Both of these accounts were taken off originally between XX/XX/XXXX threw the XXXX and they are both back on my transunion credit report and it is affecting my score by XXXX which I have worked so hard to get my score up bud to where it was because I had a ex wife that tried to take me for everything but didnt succeed. Can u please help me in getting this in accurate info taken off my trans union credit report! I dont have any collections because I have worked hard and pay my bills!

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my account

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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is no outstanding debt. I have court orders that show that I am current on my account!! In fact, XXXX owes me money ( I have credit on my account ). 

See attached files. 

REMOVE NEGATIVE REMARK FROM CREDIT REPORT COMPLETELY. 
SEND ME NEW CREDIT REPORT ASAP ONCE REMOVED.

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 2023-07-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 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 section ( 2 ) Also states a consumer reporting agency can not funnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WESBANCO BANK, INC.
State: KY

Complaint narrative:
On XX/XX/2023 Preauthorized ACH Debit - {$100.00} charged by XXXX XXXX XXXX ( XXXX XXXX Reference Number 15 ; On XX/XX/2023 Preauthorized ACH Debit - {$120.00} charged by XXXX XXXXXXXX XXXX  XXXX XXXX Reference number 16 ; On XX/XX/2023 Preauthorized ACH Debit - {$0.00} charged by XXXX XXXX XXXX Reference Number 21 ; On XX/XX/2023 Preauthorized ACH Debit - {$190.00} charged by XXXX XXXX XXXX XXXX XXXX Reference number 43 ; On XX/XX/2023 Preauthorized ACH Debit - {$130.00} charged by XXXX XXXX XXXX  XXXX XXXX Reference number 1 These fees have been charged on XXXX business account and we made phone calls to our XXXX to confirm that no one else should charge us from our account. We report to our Wesbanco Bank to dispute these charging but they said that no mistakes found and until now no responses from them though I made a phone call to appeal our request on these fees. Also we found a scam check to be checked out from our account with the scammed signatures of us. We asked our bank to supervise this account for almost two months and just allow the funds into our account and no checks payments allowed until these checks will be confirmed from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix recovery group has been reporting to all credit agencies that I owe & XXXX and {$5200.00} to Phoenix recovery group. I have requested that Phoenix recovery group provide documentation bearing my signature that I have or had an obligation or contractual agreement to pay Phoenix recovery group for the alleged amount they claim I owe. To this day I have not received documentation. They have been reporting this to credit agencies since XXXX I believe they have me confused with someone else. My name is XXXX XXXX XXXX. The attached documents says XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Synovus Bank
State: IN

Complaint narrative:
I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is reporting a derogatory mark on my credit as a Collection. I have disputed the charges as this debt is not mine. I am a victim of identity theft and I sent them a copy of my Identity theft Affidavit and still reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed. I demand that the accounts credit limit be increased for use due to the company decreasing limit. The decreasing of the accounts was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Finally received a letter in the mail saying that they comply with all regulatory agencies governing their business but nothing about anything that I instructed them to do or that the credit limit or credits have been applied to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I provide legal services. A payment was sent to me via Paypal and I received notification via my Paypal account that payment had been received by Paypal. I took the necessary steps to confirm the payment and created the invoice for the services on the Paypal site. I then received notification from Paypal that the funds were on hold and would be on hold until XX/XX/2023. It was my understanding that creating the invoice and confirming the payment would result in release of the payment. I spoke to my client who also called Paypal and confirmed the payment. He gave me the number for customer service where he had just spoken to someone. I called this number and the customer service representative told me that the funds were on hold and would remain that way. I am not aware of any prior communication from Paypal that gave me notice that payments would be placed on hold. I note that Paypal immediately deducted their fee. There is no basis for placement of money on hold which is received by Paypal. I would like for an investigation to be conducted of this business practice of holding funds. It is my understanding that this entity is in the practice of funds transfer and should undertake this process without a hold on funds in their possession. If the practice of Paypal is to hold funds this information should be conveyed to Paypal users.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
One day I log on my account and I saw a charge in my account that I wasnt aware of and I called my bank they open up a claim and they credited it to my account and I want to sue Bank of America for false information they said I could keep the credit it wasnt gon na get take back but since whoever did fraud my account they send it back to them and now Bank of America owe me XXXX for not releasing my social security benefits to me for taking it they said I have to pay off the negative the put in my account for no reason I didnt ask for no one to do fraud in my account why I have to pay XXXX back Bank of America never informed me they was done with the claim they never reach out thru email or phone call I wasnt aware they was gon na take the credit and put me in a negative Im a XXXX mother and Im on XXXX and Bank of America been taking my check I get XXXX each month it been two months they took XXXX from me how do I get that back I need 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX  to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/2023 at XXXX {$940.00} ( my entire VENMO balance ) was withdrawn and sent to an unknown account. I immediately started communication with Venmo 's chat which did not give me options for a fraudulent transaction. I found a number and called but had to wait 20 minutes until they opened. Once I spoke to someone, they stated they were sorry and would escalate my call but I would not hear back from someone immediately and it could take up to 10 days before I hear anything. I emailed VENMO as well but I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX a pay off of XXXX dollars was credited to my Lowes account to pay off the balance of my credit card. 

XXXX i got a statement with a reversal of payment. I called the credit card company they said they never received the check and have no records of a check clearing with them. 

I contacted my mortgage company whom the checked with issued thru, they sent me a copy of the checked which has the stamp from the credit card company showing it was cashed on XX/XX/XXXX Ive sent this information and faxed over the check showing they cashed it and they will not honor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
RE : Case Number : XXXX XXXX XXXX ref : XXXX : ref On Monday, XX/XX/2023, I cashed out {$300.00} to my XXXX XXXX  ending in XXXX. ( See Attached Exhibit A ) This XXXX is linked as a Debit Card to my Checking Account at XXXXXXXX XXXX ( Account ending in XXXX ). I pointed this out to customer support and they wanted me to contact XXXX XXXX XXXX XXXX. XXXX claims that they gave XXXX XXXX XXXX XXXX a deposit amount of {$290.00} and that I should contact them to get my money back. 
Support claimed that they would investigate. I gave Support all of the above information as requested including information demonstrating that I had previously cashed out {$100.00} at XXXX am on XX/XX/2023, to my XXXX ending in XXXX ( Exhibit B ) and said funds appeared immediately in my Checking Account ending in XXXX at XXXX XXXX in XXXX, NJ. ( See Exhibits C and D ) Later Support claimed that [ b ] ased on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result [ my ] dispute has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
PayPal so for my credit card I was giving XXXX $ with good credit witch I should got more for having food credit I was using the credit card for gas and more then days later the decreased my account with out my knowledge no contact email or no mail to let me know what happening so I feel I was treated unfairly they didnt want to help me I called today XXXX XXXX XXXX XXXX and I called other times as well I feel people around with different backgrounds a few of my white friends with bad credit got a higher spending limited with no problem I feel the company was unfair somewhat XXXX for no communication with me about my account I feel They sold My information as well I feel uncomfortable with PayPal having my information they treat me wrong and I want o sue for my time information and the unfairness

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 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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