vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a victim of identity theft, and my XXXX account was taken over from XX/XX/XXXX to XX/XX/XXXX by the thief. During the time there were several transactions from my account to VENMO XXXX and the transactions have my name in the description and the same CO ID. Thus, I doubt there may be an account in VENMO in my name. 
On XX/XX/XXXX, I tried to call the VENMO fraud service to investigate these transactions and check whether the VENMO has accounts in my name. The agent said there was a verification process and asked me to follow it. He asked me my name, address, DoB, and my debit card information. After collecting my debit card information, he said the system does not accept this card, and asked for my credit card. I followed. Then, I found each card was charged {$1.00} from PRIVACY LOCKDOWN. Luckily, my bank sent me a notice and I denied the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, i was making a credit card payment at a Bank of America atm, I submitted check # XXXX for XXXX, when asked to confirm the total I accidently punched in {$2100.00} and hit confirm. I notified the charge card company in five minutes and told them that on Monday when they serviced the atm to apply the check for {$490.00} to the credit card and to credit the {$2100.00} back to my XXXX XXXX account, they did this on XXXX correctly however on XXXX XXXX they resubmitted check # XXXX for {$490.00} to XXXX XXXX and got a duplicate payment, when notified they said they had not done that and that i owed the {$2100.00}, which was a number I accidently entered on the atm I never owed that much. I filed a fraud complaint with XXXX XXXX against Bank of America getting a duplicate payment. They got the duplicate payment back, but Bank of America claims they paid my XXXX XXXX account twice for {$2100.00} once on XX/XX/XXXX and on XX/XX/XXXX, they never did the duplicate reimbursement on the XXXX only on the XXXX of XXXX.. I have my bank statements to prove this. On XX/XX/2021 I went to the XXXX XXXX Bank of America hoping they could direct me in correcting the problem I talked with assistant manager XXXX XXXX she took copies of my XXXX  account and sent it to the credit card section, i called collections on XX/XX/2021 and talked with XXXX XXXX he stated he didn't have the copies. I need the {$2100.00} ( {$2100.00} plus late fees and interest ) removed and my credit fixed if it was reported to the credit bureau negatively. This bank has a history of fraudulent dealing with interest and erroneous fees I have closed this account paid off my mortgage with them and I am going to close my banking account with them, crooks for sure no respect for a customer of 12 years who has paid them XXXX in mortgage payments/Interest I think I would listen to that customer, All the reps lie XXXX from XXXX Fl hung up on me I talked to about 15 reps all were rude uneducated working with outdated data and computers. I want this over

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 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: WA

Complaint narrative:
I am working Key bank on a refinance of my property. This is a program in partnership with XXXX  under the Cash Offer option where XXXX funds a short term high interest loan which will be refinanced out of. Keybank commits to a aggressive closing timeline of 30-35 days and makes promises to close in the time frame. My re-finance took almost 60 days to close despite us providing document timely. Experience is both frustrating and added significant cost to our mortgage due to the high interest short-term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was scammed into sending money. I know that was my fault on XXXX through my bank account. I tried to cancel the transaction. On the XXXX  it says while the transaction is pending it can be canceled. When I finally got someone on the phone after waiting a hour maybe he said it showed as pending. After being on hold for what seemed like forever I was told it couldnt be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX. 
- Closed 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$24000.00}

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I had some medical bills in the past. Which were all resolved between myself and the hospital. For some reason XXXX XXXX keeps coming after me for collections on behalf of XXXX XXXX XXXX XXXX which was in XXXX XXXX XXXX florida. They are asking for 2 different payments one for the amount of {$380.00} and XXXX. I paid them in full and this was all resolved and settled so I am unsure why this is still on my 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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a cash reward credit card from Bank of America, the starting credit line was around XXXX dollars. In XX/XX/XXXX, I accidentally paid round XXXX dollars, which means around XXXX dollars overpayment, and I did not know I could get that XXXX dollars back as cash at that time. Then during the first 6 months of XXXX, my credit card was used for purchases of around XXXX dollars without me noticing. I reported fraud to bank of america, and they returned that XXXX dollars back to me as credit in my credit card, and I was told by the agent that I can call the bank to transfer that extra credit to cash, but he did not tell me that I have to do it within that billing cycle. I did the following under the circumstance that I do not owe the bank any money, in other words, the balance of my credit card is XXXX. I called the bank on XX/XX/XXXX, and asked them to give my XXXX dollars back, however they told me that I can only do so if I requeste the transfer within the billing cycle which the overpayment happened. So that means I lose XXXX dollars for no reason. It makes no sense at all that I can not have the XXXX dollars back even though it has been a long time.

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 2021-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a notification about suspicious activities on my account. There were two transactions, one on XX/XX/XXXX for {$2.00} and one on XX/XX/XXXX for {$540.00}. I immediately notified the bank that I didn't make those purchases, locked my card, and requested a new one. 

Bank of America refused to refund the fraudulent charges twice. I've since filed a police report and notified the bank again. I have not heard back from them.

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 2021-08-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that XXXX and Experian do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

XXXX needs to remove the Bankruptcy. 

Experian also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true. 

If this isnt resolved soon, Ill be litigating soon!!

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 2021-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.

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 2021-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
see ftc and fix it remove it fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank refuses to identify an appraiser who generated an appraisal report of a residential property in XXXX, Michigan. ( That appraisal was the basis of a Chase complaint against me proven frivolous by the state of Michigan. ) Refusal to provide the appraiser 's license number and license level is in violation of Michigan 's Occupational Code, which states that they must " produce evidence of licensing upon request by a member of the public or a representative of the department. '' Please obtain the appraiser 's name and license number for the appraisal of XXXX XXXX, XXXX, MI XXXX completed on XX/XX/2010 and forward that information to me. Attached are documents detailing the results of that appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: DE

Complaint narrative:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
There's a problem with authorizations not being credited back to the account. Also, multiple charges from XXXX & XXXX for subscriptions that are unauthorized and duplicative.

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 2021-08-06 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: MI

Complaint narrative:
Someone hacked into my personal Venmo account and applied for a credit card on Friday XX/XX/XXXX. After getting approved for XXXX via my account they made a transaction for XXXX dollars through a venmo store. Then at XXXX XXXX they made a transaction for XXXX to another venmo account. I was logged out of my personal venmo and thought it was strange. Created a new password and noticed these charges. I then immediately contacted the Venmo customer service and they claimed they resolved the issue. My Venmo account is now frozen and I never received a formal email describing that would happen. Nor did then representative on the phone explain that my entire account would be frozen. Im very concerned as to how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that TransUnion and XXXX do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

TransUnion needs to remove the Bankruptcy. 

XXXX also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true.

If this isnt resolved soon, Ill be litigating soon!!

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 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from Wells Fargo 's Fraud Prevention Contact Center on XX/XX/2021 about funds transferred into my checking account on XX/XX/2021. The transfer was from a bank in the XXXX and I was told that the account holder never authorized the transfer. They asked if I knew the person and I did not and they asked me how someone would get my account information. I told them the reason why. The Wells Fargo representative then told me my account would be closed and I would receive any remaining money in my account by XX/XX/XXXX. It wasn't until I receive an email from Wells Fargo that it indicated I could not withdraw any funds from my account. 

I called the Fraud Prevention Center back and the gal was so rude to me and I asked to speak to her manager. She transferred me to XXXX XXXX XXXX XXXX, which I had to hang up before I could talk to them, because I received another important call. The transfer I was supposed to receive was from another bank in the XXXX and another account holder, there must have been some mix up. Instead of calling the Wells back, I went into the branch and the bank manager tried to get some money out of my account and the XXXX XXXX XXXX XXXX refused to give it to me. I was extremely upset. How was I to pay my bills, get my medications, or get groceries? 

I called the Fraud Prevention Center back because I have a business account and was expecting a wire transfer for that account and I asked if it was closed too and they told me it was, so I had the gal transfer me to XXXX XXXX XXXX XXXX. I told the guy that needed money to survive. Also, Wells just received two large payments into my account. Finally they were going to let me have the money from my last payroll deposit, but the account is still being closed and they don't want to do business with me. I don't want to do business with them either! 

I have had this account for almost 20 years and I was totally being treated like a criminal by Wells Fargo Fraud Prevention Center and the XXXX XXXX XXXX XXXX. Their treatment of me was disrespectful and disgraceful that I wish I could let their CEO know that the culture they foster is a detriment to all their customers and now former customer.

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 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX however XXXX XXXX XXXX  and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.

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