vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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:
PayPal closed my account on Saturday the XXXX of XXXX, due to me being underage at the time when I opened the account in XXXX, which I understand, however I would now like my money back please, as it is punitive toward me to wait for 180 days, especially when the money isnt for selling any goods and came straight from coin base, there should be no hold on my money whatsoever, as there are NO buyers involved, please let me withdraw my money within the next week, I feel appalled at paypals service and I felt saddened and betrayed when I couldnt withdraw my money as I need it for important things, etc gas money, food and bills. Please understand my situation and work WITH me PayPal by allowing, e my own money which ISNT FROM SELLING GOODS and is from coinbase so NO buyers are involved Regards PayPal Email address - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On multiple occasions I have requested a credit line increase with Citi Bank on my credit card ( I only have one ) on dates : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 Each request I was declined for a different reason, and all were in accurate reasons. 
1 ) At this time we are unable to approve this request because theres a late or missing payment on another Citi credit card account.

( I only have one credit card ) 2 ) At this time, we're unable to approve this request because your current income and/or monthly mortgage/rent payment information was not provided. ( Citi automatically collects income since it was previously entered, and I have no mortgage payment ) 3 ) We're unable to approve this request because a review of your account ( s ) shows there's been a bankruptcy and/or charge-off on one of your credit cards with us or one of our partners. We did not obtain information from a credit reporting agency in making this decision. ( There is no bankruptcy or charge off with any Credit card I own ) I have called Citi twice about this. The first representative said that she will file a complaint so that this can be investigated and I never heard anything back. The second time I called, the represent
ative said there is no way to dispute this, nor do they have any credit analyst/specialist who review the request.

This goes against The Federal Equal Credit Opportunity Act. I have never missed a payment on any line of credit that I have. I have no mortgage, and I have good credit and income. I want to be evaluated fairly.

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 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well

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 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAP ITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted TransUnion and was unsuccessful with help. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This debt collector has been reporting negative and inaccurate information that's hurting my credit and will like for you to investigate this account. I understand I underwent XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report

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 2021-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My personal information was stolen resulting in an alleged false accounting of debt ( s ). I have sent multiple letters to have this information corrected and have completed a complaint with the CFBP on XX/XX/2021 as well as a complaint with the Federal Trade Commission on XX/XX/2021. I have also filed an identity theft report with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to XXXX to verify the accuracy of two acts open fraudulently and ask the to request documentation if the acts and signatures and they refused to do so. If they did request it I was not giving proof. I was only told they investigated it and it was accurate but no proof they actually did that.

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ID

Complaint narrative:
I had two atm withdrawals that I did not make. i immediately reported the transactions to chime banking telling them that it was fraudulent and was not me. They closed my debit card and said they could not do anything about the transactions until they processed because they were still processing on my account. There was one transaction for {$400.00} plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021 and then another {$400.00} withdrawal plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021. I informed them that this was not me making these transactions and I still have my card on me and my phone and have not given my information out to anyone. They said they couldnt do anything until the transactions were processed once they were processed I called them back and again told them that these were not my transactions and that that money had been stolen. They said they were going to investigate it I never heard from anyone and then it said on the app that the investigation was closed and my claim was denied. So I again called them and told them that this was incorrect and they needed to re-investigate or do something because these withdraws were not mine I did not receive the funds. They said they were going to open the case again I have not heard anything from them besides that they say I have used this ATM in the past and therefore they do not believe that they are responsible for the withdrawals. I have since contacted the institution where atm that the withdrawls were taken out it is XXXX XXXX XXXX in XXXX  XXXX WA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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:
Experian willfully and knowingly failed to respect my consumer rights to privacy. They reported inquiries that I did not authorize or consent to. Experian is now civilly and criminally liable. I sent an affidavit of truth, proof of violations and an invoice.

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 2021-11-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This account has been disputed over 3-5 times as inaccurate, i sent multiple letters to have this information updated. This account is still being reported in error. I have sent several letters with no resolution on the creditors behalf

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 2021-11-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Here are the details of the case : I signed up the Amex card based on an offer at XXXX Amex 's payment process that they ask for my bank account and routing numbers to withdraw from my account. 
However, XXXX blocks that payment because the Amex Payee ID is not approved by me. That is standard process at XXXX ( else anybody can fraudulently withdraw from my account ) There is no way for me to pre-approve the Payee ID because the Payee ID is not clear to anyone Amex has two different Payee IDs - 1 ) Auto Pay Payee ID and 2 ) Regular payment ID.

BOTH these payee IDs have to be rejected ( i.g. Payment returned ) before I know the Payee ID can be approved by XXXX and regular payment processing can happen This is exactly what happened i.e. the payee IDs were approved and now the payments are going through fine. 
I got a call out of the blue by an Amex rep on XX/XX/2021 at ~XXXX XXXX EST saying that they are going to shut my account down after a financial review. The rep was hesitant to explain what the underlying issue was I had to ask him why and then he explained that it was because the payments were returned I had explain the payment returned issue because of the Payee ID ( outlined in the above points ) He then said he can review with his supervisor and hold the account being closed but the charges can not be made I had explain to him that this card is linked to on and on file for many critical needs and you can't just call up someone out of the blue and just shut someone's card down without giving an explanation. This is like shutting down your electricity He put me on hold and then went back and then said that the charges can also go through now I am not sure what process Amex is running in their back office and customer service operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I called Equifax to report fraudulent inquiries. I never received a noticed with proof the inquiries belong to me under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Early this week ( XX/XX/2021 ) I received a debit card in the mail, unsolicited by Chase Bank. I have never had an account of any type through Chase Bank. Then on XX/XX/2021 I received a letter from Chase Bank ( dated XX/XX/2021 ) stating We received a check ( s ) previously deposited to your account that was returned to as as unpaid. In this letter there is a copy of the check ( front and back ). On XX/XX/2021 I presented in person to a local Chase Bank to close the account in question. I was notified while there the account was opened online and no identity verification was required. This is unrelated BUT on XX/XX/2021 I also received correspondence from XXXX XXXX  stating : Were writing to let you know weve reviewed your applications dated XX/XX/XXXX. We cant open XXXX XXXX  accounts for your right now because we werent able to verify your identity. This attempt to open an account through XXXX XXXX is also fraudulent. Clearly if CHASE Bank adhered to the USA Patriot Act like XXXX XXXX  I would not have had to spend 2 hours trying to close an account that I NEVER wanted. CHASE Bank should be held accountable for their business practice which clearly violates the USA Patriot Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had fraud charges on my bank account that were done through XXXX that weren't mine. I have attempted to go through my bank three times but they keep denying saying because I have used them before they aren't honoring but i didn't do these and this caused me financial hardship. These were debit card purchases using my card. I received zero benefit from this and can't believe my bank isn't assisting me with this.

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 2021-11-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The TransUnion credit rating is substantially less than XXXX and XXXX. My FICO from XXXX XXXX is based on XXXX data retrieved on XXXX and is XXXX. 

In the case of XXXX XXXX, theFICO Score is based on XXXX data on XX/XX/2021 is XXXX. 

Transunion says my credit score ranks higher than 61 percent of US consumers. This seems very unlikely since I only have two revolving credit accounts and use a debit card for most of my financial transactions. I owe less than {$7500.00} on my two credit cards and have been paying them off every month for months,

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