vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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 for no reasons and they will not helping me with getting it back up and going. I am not sure if this is someone mistake as I assume, it has to be. I have not been able to get help from them for months, but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the Equifax data breach and may have been exposed to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to the wrong person.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.

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 2022-03-03 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: MI

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX FXXXXL Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank is closing my private client account on XX/XX/22 and they sent a letter to the person I added on this account but never sent me a letter. I called them, they said I had to be transferred to the compliance department. The compliance department told me they are closing my XXXX XXXX checking account number ending in XXXX. They told me the reason is confidential, they will not tell me, there will not be a review and it will not be overturned, and I am not allowed to open another Chase account again. However, it only seems to affect this account. I have another account ending in XXXX that they are not closing, at least up until now, and I have an investment account they are not closing. The compliance department said none of my other accounts have a closure notification. They mentioned it's possibly related to the person I added to my account. She no longer has a Chase bank account but she once did, however, she still has a Chase credit card. I want the reason for the closure because I may be forced to file a lawsuit if it's for unjust reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Have had issues with Caliber Home Loans from the beginning ( XX/XX/XXXX ). When a representative is finally contacted, customers are sent to different " departments '' or need to get answers from " another department ''. I contacted the company about removing PMI, as the loan to value ratio was at 75 %. I paid the {$100.00} BPO fee. after several weeks, I received a letter stating they could not access my property. The property address is XXXX XXXX XXXX, and it is just that. An island accessible only by boat, from a private citizen. I fully explained this to the company multiple times prior to this. The company then wanted me to go to a third party website for XXXX, a company that does remote appraisals/evaluations. After several unsuccessful attempts to do that, I again contacted Caliber, and asked the representative to email me specific instructions for the process, and was told they don't email. Yet I get emails from Caliber regularly wanting me to refinance. This process has been going on since XX/XX/XXXX. I've spoken to no less than 6 people about this, including supervisors, who have promised to get answers and get back to me. No call has ever been returned from this company. Out of sheer frustration and disgust, I refinanced the property with another company. I have still not received the refund of the BPO fee. The company has notified me in writing, as well as several times on the phone, that they will refund the BPO fee, yet nobody can figure out " where it is '' to refund it. I'm tired of the 6 month runaround over {$100.00}. The company refuses to take any action, I hope this agency can help. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I ordered steaks from XXXX. They had a 30 day guarantee policy on steaks. The steaks were awful. SO I called them and offered to return them. They told me they can't accept return steaks, so just dispose of them and they will credit my account. Almost a year later, I was contacted by XXXX XXXX to pay for the steaks. I called for a copy of the original order and they don't have it. All they have is a printout of what they say I owe. I called XXXX to discuss and that order isn't in any of their systems, so I couldn't resolve it then. I sent two certified letters to XXXX disputing the charge, asking for backup, etc. One was sent XX/XX/2021 and the other XX/XX/2021 - both of which I have a signed returned receipt for. XXXX closed the case. 

Now I got a letter today from Penn Credit Corp. Same dispute. I'm not going through this again. I spent alot of time and money disputing the last dispute and it seems illegal that XXXX can just assign the same debt to different credit companies after it was resolved with the first one. They never provided me a copy of the actual order. XXXX customer service says it is because the return was processed and deleted from their sales system.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022, a company I didnt authorize pulled nearly all my money out of my account totaling {$660.00} and Chime Bank is doing nothing to rectify this. They told me I may have to wait two months and wont provide me so much as a provisional credit. Theyre treating me like a criminal. I am now left with no money and no means to buy food or put gas in my car. Please help me retain an attorney. They are wreaking havoc on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a credit card to pay for a piano with no interest if paid in full over as far as I recall 18 months. I had Synchrony bank set up automatic payments to complete the payments within that period to avoid interest charge. They set it up, accordingly. The statement I received on the XXXX of XXXX showed an increase in balance. I called Synchrony Bank on the XXXX of XXXX thinking that my card was used by someone else. It turns out, automatic payments were not set up right so I was charged interest. I called Synchrony bank, on the next business day. The person I talked over the phone explained that it was not a problem as long as I make the payment for the remaining balance of {$650.00}. I. paid it the remaining balance right away on the phone. All of these conversations were recorded. Despite the incorrect set up of automatic payment by them and despite what they told me over the phone that it was still in the grace period for no interest as long as I finish off the balance, they keep sending me bills to pay the interest fee. 
This is not an isolated case. The internet is filled with complaints about Synchrony bank with similar cases. They set up automatic payments incorrectly on purpose and lie on the phone that if paid no interest would be charged, yet they still charge you for interest despite that is due to them setting up automatic payment deductions incorrectly. They should be sued. If this case is not resolved here, I will take them to court by myself. 
I attached two pictures showing the bank statements for automatic payments and the payment I made over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: Self Financial Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I went to my local XXXX XXXX and my card was stolen. I did not realize what had happened until XX/XX/XXXX because the purchases were not flagged by Self FinancialXXXX XXXX XXXX XXXX XXXX I contacted Self Financial and made them aware of over XXXX transactions totaling close to {$700.00}. The customer service representatives continued to not include all of the transactions that were fraudulent and lessen the amount owed. I also contacted the police and the incident was investigated throughly by XXXX XXXX XXXX and the perpertrators were captured on camera. Despite the fact that I offered to provide the police report, XXXX. XXXXXXXX XXXX information for direct contact, and proof of the theives existance ( Security officer at one of the stores is a witness ) Self Financial continued to deny my claim, because they said that transactions happened after the incident occcured. This is a lie, and comes from a place of profound ignorance of facts. 1. ) As I mentioned earlier in this letter, Self customer service agents did not record all of the transactions made by the theives so it makes it look like transactions came in after the fact. 2. ) The only transaction that " officially '' came in after the incidents was a refund of XXXX from " XXXX XXXX XXXXXXXX '', The thing that frustrates me the most is that even though I submitted this dispute three times to Self Financial they never contacted me to get the police report, or any information from me for verification. I have not only been victimized once but three times. 1. ) By the perpertrators of the crime, 2. ) By Self Financial who continues to treat me as an accomplice/or a liar and 3. ) My creditXXXX  score has been gravely affected because the credit card has a high balance that I did not create. This is a list of the transactions made by the theives : 1. ) XXXX {$100.00}, XXXX. ) XXXX {$1.00}, {$160.00}, {$87.00}, {$160.00}, {$24.00}, {$10.00} XXXX. ) XXXX XXXX XXXX {$100.00} and XXXX ). XXXX {$8.00}. Please note that all of these stores are located in the same place at a large indoor mall, therefore it is very easy to just walk from one store to the other. I used the card at a XXXX XXXX and the XXXX XXXX ( were it was stolen ) earlier in the day at the same mall. On a final note and something I have been pondering... sometimes I make a purchase and the transaction comes in as pending and then gets processed many days later as posted. Why is Self punishing me for something they have established as common practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had this account with Wells Fargo Bank since XXXX. I never had a payment issue with this company. I received a letter in the mail dated XX/XX/XXXX, that states my account is closed due to inactivity. Upon receiving the letter on XX/XX/XXXX, I called and spoke with one of Wells Fargo 's customer service representatives. She indicated that the account was not closed that I need to activate the card then use it to prevent the card from being closed. I explained to the representative that I need to locate the card to activate. She asked that I call back once locating the XXXX. After searching, I located a card that expired XX/XX/XXXX. I called back to advise them I did not find the new card -- and was told by another representative that the account was closed. I asked how so ... when 5 minutes ago the account remained open. The representative apologized but repeated your account is closed. I asked to speak with a manager- I was transferred, but wasn't certain I was actually speaking with management because that person did not provide any assistance other to say I can reapply. I explained Wells Fargo did not provide an opportunity for me to keep the XXXX account open. You never sent a notification prior to closing my account? He did not reply. Only repeated, I can reapply because the credit card is closed and Wells Fargo does not offer that type account anymore. I advise this action does not sit well with me and I will be taking this complaint further. Not only did you not act in my best interest or give me an opportunity to decide if I wanted to close this account... you are not trying to repair the damage you caused by closing my account. My payment history is flawless with your company. And my credit history with the credit bureaus are Very important. By closing my account this will definitely cause an issue with my credit score. Is this some type of tactic Wells Fargo is using to get people to apply for additional credit? I am very disappointment with your service and this company. Why would any company try to penalize a consumer for not using their card?

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Account : XXXX XXXXXXXX Balance : {$1600.00} Inquiries : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2020

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