vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BOA of accepted ( 2 ) deposits into my account {$6000.00} & {$3000.00} ( have to guess since BOA has denied me access to the account, I am not 100 % sure about the exact amounts ) BOA then blocked access to my debit card, mobile banking, online banking BOA asked me to call the FRAUD dept regarding questionable transactions on my account. 
WHY would BOA ask the consumer to clarify a deposit that BOA accepted electronically ; and then LOCK the consumer out of his/her bank account, for a decision only BOA could have made. 
BOA should have either denied the deposit ( s ); placed the deposit ( s ) on hold until they were satisfied that the deposit ( s ) that BOA accepted were legitimate. But BOA locked me out of my account and I dont even have access to the money that was in the account prior to the account being locked by BOA on or about XX/XX/2022

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 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I made an agreement with a breeder over XXXX to purchase a kitten I sent the " breeder '' {$600.00} through Zelle  and XXXX. They demanded {$420.00} more on order to " ship '' the kitten from XXXX, Oregon. I asked to see flight information and photos of the kitten at the delivery company, they sent me photos of an XXXX police station at night. After going back and forth for hours, the lady asked if I would speak to her husband. I did yes, please. I informed the husband I would actually prefer to pick the kitten up in person, I live in WA state, a drivable distance. The husband agreed this was a decent option and said he would call me the following day. The next day I waited until XXXX XXXX, and began to call ... No answer, I was blocked from calling and social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: PA

Complaint narrative:
AS a customer since 1999, I have made thousands of transaction and handful of disputes. 
A merchant named XXXX online charged my card promising they provide a service. They never rendered a service and I filed a dispute with the credit card company. The company suspended the charges pending dispute and then, quietly reinstated the charges of {$2900.00}. After sometime, I reminded them and they suspended again and this time again they quietly reinstated the charges and did not inform me as required by the law. 
I tried to resolve the issue by refiling the dispute. The system took me to a chat where I chatted with XXXX, Emp ID XXXX who among the other thing did not see the value of tenure in this dispute. That Employee transferred me to the manager XXXX, Emp. ID XXXX. At lease that is how they identified themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have fraudulent information on my credit reports

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I went to Bank of America, XXXX XXXX, California branch to open a bank account for my business. In the middle of the opening the account, the business banker whose name is XXXX XXXX asked me whether I need a credit card for my business. I asked him whether this might cost anything or harm anything, he said no. I said that's fine, even though I did not actually need such a credit card. 

Later I found out that he hard pulled my personal credit to open this business credit card for his commission or performance purposes. He did not 1 ) informed me anything about this credit run ; no notice at all ; 2 ) he did not pull business credit first. I would not give permission to have Bank of America run my personal credit if I knew this was a condition to get a credit card. I did not need this credit card at all in the very beginning.

I found this out because I am in the middle of closing an escrow for an investment property, and the loan company found that there was a credit inquiry on my records, and they wanted to delay the closing because of it. The locked rate is about to expire, and the new rate would be much higher than the locked rate. 

I am seeking damages from Bank of America. 

This branch turned out to take advantage of ignorant new immigrants as a common practice; tricked new immigrants who were not familiar with compliance laws at all to open credit card without acknowledging them about the credit hard pull. 

In addition, the BOA banker XXXX XXXX sent harassing languages to me by messaging.

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 2022-05-14 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: MD

Complaint narrative:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have fraudulent information on my credit reports

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have fraudulent information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022 Amount Owed : XXXX Truist Bank XXXX I'm having trouble paying my mortgage due to the covid-19. I am also XXXX but I still work XXXX  XXXX XXXX XXXX. I do not want to lose my home in Texas Homeowner Assistance Fund Program and they are not returning my phone call. XXXX. I did what I was supposed to do when it was time to apply for the funding in this been 3 months and nothing ( Texas Homeowner Assistance Fund Program-Covid-19-Case:XXXX ). 
Be safe and Be Blessed, 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 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX 's XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my papal account. Im using my paypal account fir my online business since XXXX.my paypal account XXXX has stucked funds in it that i have to withdrawn asap fir emrgency porpuses. Im hoping that i will get my account back and able to withdraw my funds. Thank you and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX XXXX XXXX XXXX XXXX, XXXX selling different goods such as frozen food, rice, eggs etc Since 2020 my PayPal account XXXX has stuck funds in it that I have to withdrawn it asap for emergency purposes, and I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, my PayPal account is now permanently limited. Help me restore my PayPal account. I don't know why it was limited. Help me restore sir. Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( selling e-book, digital product, freelance ) since ( XXXX ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 up to present My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: ME

Complaint narrative:
On Wednesday XX/XX/2022 I requested a withdrawl from my Binance.US account which is a FDIC backed account. 

The withdrawl was in the amou of {$4900.00} in USD and was fully owned by my account. 

When I withdrew the amount I went through the verification process of XXXX Authenticator and then was told I would receive an email from XXXX XXXX XXXX  to verify the transaction as well. 

The email was not received so I put in a smaller withdrawl in the amount of $ XXXX and the email did come and I have received that in my account. 

The company said that I needed to whitelist the emails Associated with them when they responded to my help desk ticket on XX/XX/2022. 

So I did that ( as instructed ) and still received no email link to click for my {$4900.00} withdrawl. 

The more interesting part is that the {$50.00} transaction verification was fine but the larger amount was not. 

I am in need of my {$4900.00} and have contacted them daily to attempt to resolve this with no response after their initial email. 

This is also concerning the this is a US Entity that is claiming to back funds by FDIC yet they can't produce the funds for withdrawl. 

Therefore, they may not have the liquidity to cover larger withdrawls which I would say could be a violation of many Treasury bank charter statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Ma'am, Good day! 

I am writing a complaint to your good office because of this reason, on XX/XX/XXXX, I received an email from PayPal and was notified that I violate Paypal 's acceptable policy. 

I was confused and devastated when I've learned that I can no longer withdraw my funds, below is the breakdown : XXXX XXXX XXXX EUR XXXX USD Coming from a third world country, the fund that was placed on hold for 6 months is very crucial for our daily lives since I am the bread winner in the family. 

I appeal and seek your assistance and I hope that you could help me and other people who faces the same issue of mine. 

Thank you. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that closing my PayPal account is a mistake. I am using my Paypal account for my online business XXXX advertising  Service since XX/XX/2022. My paypal account : XXXX was use for my business that support my family And I am hoping that I will get back my account and able to do transactions with you. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

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 2022-05-14 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: MD

Complaint narrative:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

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 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX. as XXXX working in a XXXX  XXXX  since XX/XX/2020. 

My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I am earning from online freelancing The amount that the company holds was more or less $ XXXX believe it is a mistake to close my account.I am using my paypal account for my business. 
My paypal account XXXX fruits & Vegetables Trading.My paypal email is XXXX have funds that stuck that i need to withdraw for emergency .I am hoping that i will get back my account and withdraw my funds.My account was limited since XXXX XXXX. 
Thank you and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I issued a claim dispute on XX/XX/XXXX in reference to an order I placed the previous year on XX/XX/XXXX for merchandise that I never received. The merchandise was bought through XXXX at the cost of {$190.00}. I contacted the seller but never received an answer. After opening the dispute with Wells Fargo nothing was achieved and the case was closed shortly after it was opened. I attempted to call the Wells Fargo service but was told that there was nothing that could be done regarding the refund.

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 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account to receive remittances from my online freelancing business since XXXX XX/XX/2022. XXXX PayPal account which is XXXX have funds stucked on it that I have to withdraw as soon as possible for emergency purposes. I'm hoping that I will get back my PayPal account to continue my transactions and able to withdraw my funds. Thank you and more power. 

For identity verification, I have attached my valid ID.

Company response to consumer: Closed with explanation