vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I was sent {$4000.00} via friends and family I then opened the PayPal account as soon as I accepted the money they immediately limited my account wanted my id after uploading before I could even complete it they permanently limited my account. Said funds would be available after 180 days they sent me messages via the message center with the date XX/XX/2023 my funds would be available. XX/XX/XXXX they refuse to release my funds still are telling me no information available. I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with EnerBank ( Now Regions bank ) for my solar panels. 
XXXXm paying with autopay. Theyve changed their autopay system and charged me {$260.00} twice on XX/XX/XXXX. 
I spoke to XXXX ( XXXX min wait ) on XX/XX/XXXX, she resolved the duplicate recurring payment issue but said I would receive a call within XXXX hours for refund of duplicate payment. 
This call never came. I called again XX/XX/XXXX ( XXXX min wait ). Spoke to XXXX she assured me I would get a call. 

Its now XX/XX/XXXX. There is no way to speak to a manager. Apparently the only way to speak to a manager is to wait for their call which never comes. 

Banks shouldnt be allowed to do this. This should have been resolved on my first call. 
The bank should be fined for the inability to resolve complaints. 

The bank has no incentive to resolve this, or to prevent it from happening in the first place. Of course if I owed them money things would be different. 

By the way I tried to resolve this online with a form - got no response. 
Tried to use their text system, it doesn't work with XXXX customers.

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 2023-05-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX. 

Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge.

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment.

Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report.

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment.

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

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 2023-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Im a victim of identity theft going back to 2018 which I was insured through Experian. I have an open claim with XXXX their insurance company who handles identity theft claims once they are deemed valid. Ive now had someone file taxes in my name I e called Experian trying to get things removed and frozen they have refused to let me talk to a supervisor or help in any way even though I was insured for XXXX XXXX dollars Ive spent hundreds and thousands of dollars since 2018 trying to clear this up with no reimbursement from them. To make matters worse I received a threatening letter from them today accusing me of never filing a police report which Ive filed XXXX and every time I tried to upload it to their attached email they provided it never went through. I called and again was transferred over 8 times with no help, I have all of this recorded and will upload all of my documents. This company needs to be held accountable for false advertising, you are not insured for XXXX XXXX dollars much less XXXX. They will not help you when your identity is stolen and when you call to get help they will transfer you until they close so no one has to deal with the problem. I have all this recorded which I did let them know I was recording the call.

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 2023-05-24 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:
I was contacted by Citi today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

Citibank states we signed up for estatements in XXXXXXXX XXXX XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did Citibank send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 
What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at Citibank ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide Citi with a copy of voicemails left if Citi and CFPB would like to have them. There are NO MESSAGES from Citi and I have only 1 phone call that I received from them when it was 30 days past due. 

Citi should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).

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 2023-05-24 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: MI

Complaint narrative:
Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report and they are have put in the data furnisher as being the U.SXXXX Bankruptcy Court of Illinois, which is false. I have attached a letter from the UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS verifying and stating that the U.S. Bankruptcy Court do not furnish information over to the credit reporting agencies or any credit monitoring services, nor do they verify or validate any information concerning bankruptcies. Equifax is falsely stating this information on my credit file and has yet to remove this information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.

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 2023-05-24 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: FL

Complaint narrative:
I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Wrong information being reported

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I learned that someone had hacked my Netspend pre-paid debit card and taken every cent of my Social Security monthly payment out of my account. I notified Netspend and learned that due to this my account with Netspend was now even overdrawn. 
Netspend told me that whoever did this used my card at a XXXX XXXX XXXX in XXXX XXXX, Ca. and I live ruffly XXXX miles from XXXX XXXX in XXXX, Ca. I called the manager at XXXX in XXXX XXXX and he told me that someone came into his store and purchased four ( 4 ) pre-paid XXXX cards each at a value of {$100.00} plus a {$5.00} tax for a total of {$420.00}. Netspend failed to even notify me of this going on, nor did they even consider this to be a stange transaction. There was also a purchase made at a XXXX XXXX and I've never been in a XXXX XXXX. I don't believe there is even one here in XXXX, Ca. Netspend would not tell me the amount spent at the XXXX XXXX! Netspend simply told me I had to file a dispute ( which I did ) demanding the funds be placed back into my account since this was the monthly Social Security funds I had just received as I had nothing to do with this. Netspend told me they could not do that and all I could do was file a dispute. 
I also took it upon myself to file a police report as well with the XXXX Police Department ( report # XXXX ) as well. Netspend also stated to me that someone had contacted them back on XX/XX/XXXX at XXXX claiming they were me and Netspend allowed them to change both my contact phone number as well as my email address all without confirming it was even me they were speaking with. Nor did they follow up and contact me asking if I had done this! I am XXXX XXXX XXXX and have had to go all month long with no funds since Netspend failed to replace my funds due to their negligence and failed security. Yesterday ( XX/XX/XXXX ) Netspend notified me they were NOT going to replace my funds and claimed they did an investigation. They did nothing! I spoke to the manager at XXXX again just last night and he never heard from Netspend so what investigation are they talking about? Plus the store video showed a XXXX couple making the purchases of those XXXX cards and I happen to be white and XXXX miles from XXXX XXXX! Netspend should be held responsible for customers funds yet they get away with simply doing nothing. They shouldn't even be allowed to do business as a financial institution and I hope you investigate this matter.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit score was XXXX with XXXX XXXX and Equifax and just last week opened a new credit card with XXXX with initial zero APR for 18 months and a credit limit of {$11000.00}. As a result I transferred my balance from my cards with XXXX XXXX, XXXX and XXXX XXXX. I thought with the approval of {$11000.00} it would reduce my debt to credit ratio and thereby boost my credit into XXXX but rather my credit score has been reduced by XXXX points. 
I called Equifax this morning to explain to them but the asked me to go to their website to get the right score. After collecting a lot of data ( dob, SSN, address, zip code ) they wanted me to sign up for a monthly subscription for {$9.00} because they said the report I saw from XXXX XXXX is a third party and I told them its your name attached to the report. 
I think my score should rather go up instead of going down since I have increased my credit by {$11000.00} thereby reducing the debt to credit ratio and also they are trying to make money out of me to see the same score that they themselves have reported. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: UT

Complaint narrative:
{$420.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) THE BUREAUS is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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:
After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the Equifax Date Breach Settlement website that my information was impacted by the Equifax data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX Equifax has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXX for XXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXX XXXX credit card account opened on XX/XX/XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XX/XX/XXXX, as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. One company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
There is a lawsuit already confirmed and my account was affected during that time so Im entitled to a payout.

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 2023-05-24 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: MI

Complaint narrative:
Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.

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 2023-05-24 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: IN

Complaint narrative:
XXXX Transunion indicated that they deleted unauthorized inquiries from my credit report. However they all remain. I provided FTC reports for each of the unauthorized inquiries.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I was not aware of this charge until I opened my credit report to check for something else not related. I have no knowledge of this card being open in XX/XX/2020 from XXXX XXXX XXXX for the amount of {$640.00} I have disputed this charge.

Company response to consumer: Closed with explanation