vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During the pandemic I filed for unemployment with the state of Nevada, I was under the impression that I was denied, until I received a email from the state of Nevada about paying taxes on funds that were paid to me. I contacted the state of Nevada unemployment agency, who then advised me they paid Bank of America nearly {$40000.00}. I was then advised to contact Bank of America to retrieve my funds. When I contacted Bank of America and explained my situation. I was told that all of the money that was paid by my sponsor, had already been spent. I then started filing for unauthorized use and transactions for the whole amount. It has since been proven that my mail was rerouted from my address, where I was living at the time of my first initial file. I filed an identity theft affidavit with the IRS, multiple identity theft complaints with the FTC identity theft.gov. I filed police reports and more. As of today Bank of America has paid me {$9.00}, XXXX out of {$41000.00} stolen. They have given written proof that they were in the wrong and allowed someone to steal my money. Yet they continue to deny my claim for {$21.00}, XXXX on a general basis, which is completely illegal and done by a machine. I have refiled and complained numerous times and I'm getting nowhere. I have given Bank of America sufficient evidence and documentation, yet they still have not paid me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX  XXXX. 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I requested Mohela to take me out of forbearance once the XXXX pause ended. Mohela did not take me off forbearance and is still processing the request ( it has been months ). I am involved in XXXX and also involved in the XXXXXXXX XXXX XXXX XXXX lawsuit. My due date for my loans is XXXX/XXXX currently and my loans are accruing interest. I do not have a payment currently due to the forbearance. I work in healthcare and am frontline. I was told that I want to be taken off forbearance because my payment will be {$0.00} until I recertify in XX/XX/XXXX ( because I was in school in XXXX and did not have an income ). They said I would not gain interest between now and XX/XX/XXXX if taken off forbearance. I am concerned because Mohela is still processing my forbearance and I am actively gaining interest. I have saved a XXXX XXXX of me repeatedly asking to be taken off forbearance. I am concerned this will impact my XXXX  status and hinder my progress. I am concerned that I am accruing interest on my loans when I should not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal suspended my business account without explanation on XX/XX/XXXX. They originally asked for some information to verify a few transactions which I immediately provided a thorough and evidenced response to each query. None of the transactions were against the terms of service and we have never had a single complaint or chargeback or warning from PayPal. I was told providing this information would unlock my PayPal account however they responded my permanently closing my account with no explanation for no reason I can figure out. They are now holding {$660.00} of my money and refusing to let me withdraw it out of the closed account. They claim this will be for a period of 180 days, but that date keeps getting continually pushed back to be 180 days from each and every query I make as to why the account was closed or attempt to have it unlocked, restored, or my funds released. I cant afford to have this money held from me another day. 

In addition they took away my rights to purchase protection, retroactively removing it from purchases made before they suspended my account. I recently made a {$400.00} purchase using my PayPal account, and I used PayPal specifically for the purchase protection. The seller did not uphold their end of the transaction and I need to dispute the payment to have my money returned, but PayPal is now preventing me from doing that. It seems odd to me that the seller who scammed me is allowed to continue operating on the platform but my account has been closed without a single violation or chargeback, ever. 

I want my money released to me immediately, I want a dispute filed against the seller who did not provide the agreed upon goods and that money immediately returned, I want an explanation for why they ever closed my account, and I want my account restored to be fully operational again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I saw a transaction on my USAA checking account this morning that I did not send or authorize via my debit card. The bank asked if I had possession of the card and I said yes, the agent told me that they had to disable the card and send me a new on and I should receive it in 2 -4 business days which leaves me without access to any of the funds that are in the account and more that are on the way to the account. I told them I run a business and I have employees to pay and I pay them out of my one and only account with them as well as my personal expenses and they want to leave me without access to money for 2 - 4 business days. I told them that is not acceptable and I need access to my money the next day and they said they couldn't help me, their expediated cards take 2 - 4 business days. I again said that is not acceptable, you need to send me a debit card overnight. Again, 2 - 4 business days was there response, no attempt to help me access my money, and it could be Christmas week before I receive a new card. I don't have money to purchase anything including food. 2 - 4 days is unacceptable. I can go put money into a credit union up XXXX XXXX from me and they give me a debit card the day I can open an account but not USAA. I need 24 hour access to the money available in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MI

Complaint narrative:
purchased a pair of XXXX boots from XXXX in a size XXXX in mens on XX/XX/2023. Upon trying on the boot after being delivered on XX/XX/2023, it was discovered to be too big. 

On XX/XX/XXXX, I went to the XXXX XXXX store to return them. Because I used Klarna as the original payment method I used. I went into the Klarna app and entered in my receipt ID number as proof of the return so my payment plan can be updated to reflect the return. The return ID number on the receipt that I provided was XXXX. 

After XXXX weeks had passed, today, I received an e-mail from the " Klarna Dispute Team '' requesting a copy of the return receipt within 7 days for the the refund to continue with their " investigation ''. I called and informed them that the receipt has since faded and I provided the information that the app asked for on the exact date I made the return. They informed me their was nothing they could do. 

I then contacted The Timberland Outlet to request a copy of the receipt since I had the date and receipt ID number and they informed me that they could not provide a duplicate receipt. I then called back a second time to inform Klarna of this and they advised me that there was nothing that can be done. I then posed the question, " why doesn't the app allow us to upload a picture to prevent things of this nature from happening? The young lady stated that there was no additional information she could provide me with. 

Per their app, they have to wait for the business to respond to confirm the return. I should not be paying for a shoe that I returned. 

Today, Klarna communicated through the XXXX XXXX XXXX complaint I initiated : Hello XXXX, Klarna is in receipt of your complaint XXXX. We appreciate your inquiry regarding the order with Timberland ( XXXX ). 

After reviewing your order we can see the order was placed under a dispute, and the Resolution team sent a request to the store, requesting that the statement be adjusted to reflect the returned item. The store responded to the inquiry on XX/XX/2023 stating that their stores are unable to refund Klarna accounts and so you would need to provide a card to receive the refund or you will be provided with a gift card, however, they are not able to process the refund back to Klarna and you would need to work with the store directly to get your refund. 

How can I get a refund for an item I already returned? AGAIN, I provided Klarna with the transaction ID. They know that they item was returned as they have admitted such. I explained to them that the receipt that I was given had faded. This is nearly from a month ago. 

That is unfair and not ethical. I provided Klarna with the information that they requested via the app timely and my refund should be honored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a notification from Chase that they are closing my 3 credit cards that I have and they service. I have never been late and my credit is flawless. I was informed that was being closed because of prior account being closed! That was over 10 years ago and now they want to close after all that time! Very inconvenient as I use the cards and the partners that they represent. It is hard to understand why now?? Why ever?? I am a good customer and pay my bills on time! This will also hurt my credit which is unacceptable to me! I am asking for your help in this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan and unknown to me it was a scam. I was a victim in this case, and I was calling Bank of America for XXXX days prior to the closing of my account, informing them that my bank card was not working and they needed to un restrict my debit card after they told me it was no longer restricted, it continued to be restricted causing me to have to constantly call them back. On XX/XX/XXXX I called and I was advised by Bank of America to open a brand new checking account because my checking account that I already had was frozen they told me no money was able to come out of that account but it can still receive deposits I informed them my direct deposit was gon na be deposited on XX/XX/XXXX at which point they advised me to open up a new checking account so that Friday morning XX/XX/XXXX I could call back and they could transfer my deposit from work into the new account for me to access that when I called the phone number that they gave me. They told me That would be transferring my money into the new account. They had me open to be able to transfer my deposit from the frozen account .The lady informed me that I was not given this information and I couldnt have been told this. I expressed to her that I spoke to XXXX people and both told me that, again they made me open a new checking account solely for this purpose of me accessing my funds from my job and she told me no thats not gon na happen. My account was frozen they didnt want to do business with me anymore and I expressed to her I needed to pay rent. I expressed to them that I was going to be evicted at as of XX/XX/XXXX and I needed my money and that I would come and pick it up. She told me I could apply for a hardship. I didnt want to because it was going to take XXXX days for them to approve or not approve it. I needed my money that day. I received my 30 day notice to leave my premises XXXX  XX/XX/XXXX, I called them back on XXXX  morning to find out about my hardship and the lady told me I was denied I asked her how can I apply for a hardship yet you guys dont even know the reasoning behind my hardship and why XXXX even applying for it. She told me the account is set to be closed on XX/XX/XXXX and my check will not be mailed to me until after that, I need my deposit money from my job and when they do decide to mail me my certified mail check I am no longer going to even be at the address that they want to send it to because XXXX evicted now I just want my cash that I got paid for and direct deposited into my account from my job that I physically worked please help XXXX living in the car with my XXXX kids at this moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Over the last several months I have received repeated calls from Home Depot as early as XXXX. They leave automated voicemail continually filling up my voice-mail. When I call and text back I can't get through because the person they are calling about isn't me. I have no account information. They will not stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to demand that Bank of America stop trying to intimidate me, harass me, and bully me as I am one of the class members in the CFPB Class Action Settlement vs Bank of America. According to the CFPBs press release on XXXX, Bank of America has been ordered to pay more than {$100.00} XXXX to customers for illegally charging junk fees, withholding credit card rewards, and opening fake accounts. I am entitled to receive compensation for the harm that Bank of America has caused me. 

Bank of America has been harassing my future father in laws home in XXXX NY to try to intimidate me with threatening letters and a strange guy who kept knocking on his door this morning. My future father in law suffers from XXXX and is fully XXXX. This is unacceptable and unlawful behavior that must cease immediately. 

I hereby request that Bank of America stop contacting me or my future father in law by any means, including phone calls, e-mails, letters, or visits. Any further attempts to contact me or my future father in law will be considered harassment and will be reported to other relevant authorities.

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