vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: CA

Complaint narrative:
I got an email today ( XX/XX/2021 ) from PayPal saying that they decided to permanently limit my account as they found potential risks associated with my PayPal account. I called customer service immediately and tried to understand why and how this happened. The representative said that based on the note in their system, it was because of a transaction, but the representative could not provide more details and said he could not help me. I asked him for other ways to get the issue resolved and also tried to understand what exactly happened to my account. The representative transferred my call to his supervisor and the supervisor told me this was due to my recent transaction with XXXX XXXX XXXX. The supervisor helped me to write a letter to the department responsible for getting this issue resolved. However, I got an email saying the same thing that my account was limited permanently after their review. I don't understand what happened and why this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: KS

Complaint narrative:
I get {$1000.00} deposited on the XXXX of every month. 

XX/XX/2021 - deposit {$1000.00} XXXX- atm withdraw {$200.00} ( authorized ) XXXX- attempted to pay my water bill online and was declined. 
I called direct express to check balance. Which was approximately {$50.00} So I checked transactions. 

XX/XX/2021 - atm withdraw ( UNAUTHORIZED ) {$600.00} @ XXXX XXXX atm withdraw ( UNAUTHORIZED ) {$200.00} @ XXXX AFTER discovering the fraudulent transactions I talk to customer service and file a dispute on both transactions. 

Direct Express mailed me disputed forms ( received forms in mail XX/XX/2021 ) to complete and I was given a fax number ( XXXX ) to return completed paperwork. 
FAXED BACK TO THEM : XX/XX/2021 XXXX- Filed a police report with XXXX police department . 
CASE # XXXX I have tried to call EVERYDAY since XXXX and verify that they received my fax and keep getting transfered then on hold for 2-3 hrs. 
Then hung up on. 

XXXX- received a letter from Direct Express Stating that my disputes were denied and they were authorized. 

NO THEY ARE NOT AUTHORIZED. I CALLED THE BANK THE TRANSACTIONS TOOK PLACE AND WAS TOLD THEY COULD NOT ACCESS THE ATM CAMERA HISTORY??? 
PLEASE HELP! ALL BUT {$200.00} OF MY MONTHLY INCOME WAS TAKEN AND MY BILLS ARE GOING TO COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I received a demand letter from MRS XXXX collection company. The demand letter is for the amount of {$19000.00}. This collection debt is not mine and does not belong to me. I will not pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations.

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b

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 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
So I've had the crypto.com app for a while now and have been using it to start learning and investing in crypto. This past week my account got shut down and they refuse to return the funds that I have put in and acquired this entire time. I have no idea why it was locked or why they are refusing to help me. I just want my money. They say they have the right to freeze anyone 's account that violates their terms of service but I haven't read a single thing in there terms that I have done for them to close me out. The worst possible time for this to happen

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 2021-11-08 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: CA

Complaint narrative:
I tried to fix the incorrect name on my credit report. I have already sent out copies of SSN card, W-2 form, driver 's license, passport etc. Each time I got different response : 1. first few times they told me to send copies of ssn card, driver 's license etc which are exactly the same documents I have sent out.

2. then I called them and operator told me that despite sending out the documents, I had to call them in person in order to fix the name. This was never mentioned in their result letter. The operator told me that it would be fixed this time. This happened within a month after sending out docs.

3. then my name was still not fixed after a long time. I called again. This time another operator told me that the result was " SSN card is for work only ''. I pointed out that despite of that I did send out W-2 as well. The operator admitted that W-2 can be used for SSN purpose as well and tole me it be good this time.

3. then my name was still not fixed after one month, this time a 3rd operator told me that my documents are too old that they could not use. It has to be within 60 days. She asked me to send the exactly same doc again. But she had no answer when I ask why did she think the same story wouldn't repeat after I send docs again. 

Each time each operator told me different contradicting information. The whole process is delayed and ruined by their mistake but all they want to do is to ask me to repeat exactly the same process with no fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Praxell, Inc.
State: AZ

Complaint narrative:
My Mango card had 4 unauthorized charges from XXXX on XX/XX/2021. I closed my card immediately and got a new card sent to me and followed the process to dispute the charges in order to have the {$210.00} ( 4 charges of {$52.00} ) returned to my account as soon as possible.

I have contacted the company multiple times by email with no resolution, and upon once again contacting them after 90 days since my original dispute, this is the response I received : " Good afternoon, Thank you for contacting us. The merchant has declined our claim for the charges associated with your dispute. We have been working with the processor to reclaim the funds.

Sincerely, Dispute Support '' Again, it has been 90 days, and Mango Disputes Support continues to stonewall me, with no return of my funds yet.

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on TransUnion and XXXX. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on TransUnion " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on XXXX " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.

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 2021-11-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX  is reporting a {$4600.00} balance charged off on my XXXX Consumer Report also it's not showing that I only had a credit limit of {$1500.00} on this Consumer Report it's showing my credit limit was {$1500.00} but the balance due is {$4600.00} Account is Charged Off but I still have late payments being added to my Consumer Report I was sent a 1099c for this debt of {$1500.00} why is this account still being reported on my Consumer Report? 

XXXX  XXXX XXXX is reporting a {$2100.00} Balance that was charged off but I still have late payments being reported to my Consumer Report. I received a 1099c for this account. 

XXXX XXXX is reporting a charge off on my Consumer Report I am still getting late payment when I received a 1099c for this account. 

XXXX XXXX is reporting a charge off for ACCT XXXX I received a 1099c also they are still reporting late payments. 

XXXX XXXX is reporting a charge off for Acct # XXXX this acct was paid in full.

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please send me the review findings of your assertion that it was determined you can no longer service any accounts for me. 
If you do not send me the findings, I consider this a hearsay which is usually disallowed as evidence in the court of law. 
Lack of supporting evidence will be me consider by me as a discrimination and discouragement to apply for your credit card. At that point I will consider to take legal action against your company.

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 2021-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
ATM FRAUDULENT TRANSACTIONS XX/XX/21 XXXX XXXX  email notice to me from Wells Fargo reporting unusual activity on my ATM card and asking to contact them asap if charges were not legitimate. I I immediately logged into my Wells Fargo account and found, in Pending Charges, fraudulent withdrawals for {$1000.00}, {$500.00}, {$1000.00} and a fraudulent DEPOSIT of {$1000.00}. I reviewed these with XXXX during my first call to Claim Center. ( Subsequently, they have left on my account a fraudulent withdrawal of {$1000.00} and {$500.00}, as the fraudulent DEPOSIT cancelled the fraudulent withdrawal of {$1000.00}. I can no longer view the pending charges on my account as the two charges have been moved to approved. However, the final letter refers to all 4 transactions of {$2500.00} ) XX/XX/21 XXXX XXXX  email received that they had opened a claim because I had called right away to deny I made the transactions. I have spoken to 3 people at their claim center, XXXX, XXXX and XXXX. 
XX/XX/21 email received stating investigation was closed. Fraudulent charges are still included in my bank balance. 
XX/XX/21 I filed a police report DC # XXXX, with Officer XXXX of 3rd Precinct, XXXX County. I provided Officer XXXX with a list of all my ATM activity in XXXX and XXXX. There were only 2 retail, all others at Wells Fargo ATM. I also provided a photo of the location of the fraudulent withdrawal, and a photo of the ATM machine there, which is located inside the WF branch office. 
XX/XX/21 received a letter from Wells Fargo Claims Assistance saying I had made the transactions, which I did not. 
XX/XX/21 I filled a complaint with Pennsylvania Office of Attorney General. 

I have multiple accounts with Wells Fargo, all with healthy balances and there is no reason to suspect I would contest a legitimate withdrawal. In all the years of my checking account with WF ( 20-30 years during which the bank changed names multiple times ) I have never withdrawn more than {$300.00} cash. Why would they notify me of unusual transactions, then refuse to remove fraudulent charges?

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 2021-11-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate.

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Attempted to deposit a remittance from my cell phone provider to Chase. The bank teller informed me that she could not accept the remittance.. I spoke with a Chase customer service representative via phone call and she explained to me that i was indeed correct and Chase could and should accept the remittance. I then called my cell provider to assure i was handling the process correctly and they informed me that i was handling the process correctly. I then called Chase again, to explain the process before i attempted to visit a branch again. A customer service rep by the name of " XXXX XXXX '' told me that it is at Chase 's discretion on whether or not they accept remittance. I explained that according to CFR if the bank is FDIC ensures then you have to follow the Code Of Federal Regulations ... .i was then met with resistance and i was told that Chase does not have to follow Federal Law if their policy says they do not. Federal regulation is as follows 12 CFR 204.2 ( 1 ) Deposit means : ( iv ) Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: AFNI INC.
State: SC

Complaint narrative:
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: ERC
State: SC

Complaint narrative:
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company is trying to collect a debt. I do not owe this company. I have never contracted with them and I do not agree to this debt. 

They are reporting misleading information on my consumer profile which I did not give them permission to access my consumer profile.

Company response to consumer: Closed with explanation