vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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:
Paypal notified me that my account was limited permanently for violating their user agreement. There was no specification on my account and when I spoke to customer service they said there was no specification as to what went wrong in the report and they could not find out why. Customer service also told me that I have a legal right to know why and to take legal action. They permanently banned my account and could not specify why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX XXXX XXXX and earn close to $ XXXX a year ... All of this is in my application for credit. 

They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. 

You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. 

I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
On XX/XX/2015, a account was opened in my name with the company named Ginnys/Colony XXXX I never opened or ordered anything from them and believe it was my ex spouse that opened it in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: KY

Complaint narrative:
I created an account with TransferWise.com in XX/XX/XXXX to transfer some USD to DKK for a trip to The XXXX XXXX  in XXXX, XXXX.. I did not use the account after that. TransferWise.com then changed to XXXX in XX/XX/XXXX. In XX/XX/XXXX, the email address that was associated with my XXXX account was 'spam-bombed '. I could not send/receive emails for several days as a result of my email address receiving thousands of unsolicited emails. In XX/XX/XXXX, I had worked to try and 'unsubscribe ' from the hundreds of sites that I had been receiving emails from, and began trying to use my email address again. I found an email from XXXX saying that my account had been deactivated because of an outstanding debt of {$15000.00}. I searched through the tens of thousands of emails I had received and found one in XXXX that contained a PDF saying that I had tried to convert {$15000.00} of USD to PLN on XX/XX/XXXX, and XXXX, XXXX. The bank account numbers on the PDF were not mine. It's clear that someone compromised my account and changed the bank account numbers and attempted to wire/transfer currency in my name with a bank account that does not belong to me. I have tried to contact XXXX numerous times. They will not help me via email because my account has been deactivated. When I try to call, they have very short hours during the working-day, and when I do have time to call I am told that there may be a wait time of 30+ hours. They will not schedule a call-back, have no chat service, and yet I have a document claiming that they will send me to collections for what is clearly fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX  XXXX XXXX Dept of ED/XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, U.S. DEPT OF ED - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right of privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2022, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XXXX XXXX, 2022, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by XXXX points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.

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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This account has been paid and closed for several years. Contacted company to remove. Having this on my credit report has a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i got the XXXX  XXXX  XXXX  card with no pre set limited, when i apply i was informed i could buy anything. I try to use it or a mobile home and was informed it didn't go though

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I wrote a check to American Express in the amount of {$18000.00} as payment in full for my Gold card charges.. The check was written on my XXXX account which was debted for that amount on XX/XX/XXXX as clearly indicated in my XXXX statement for that period. Furthermore the cancelled check very clearly indicates on the reverse that is was processed by XXXX XXXX XXXXXXXX. on XX/XX/XXXX. XXXXXXXX XXXX is in fact American Express ' bank. The check also clearly indicates that the funds were paid to DDA Account # XXXX. This is the Direct Deposit Account for American Express. Finally, the check includes the Lockbox ID, Site, Batch and Sequence numbers for the XXXXXXXX XXXX processing of my check. Nevertheless this payment was never credited to my American Express account. Starting in XX/XX/XXXX through the present, I have filed no fewer than three disputes with the American Express dispute resolution entity, providing all of the information described above and copies of the actual documents. In response I have been told that the information I provided was " not sufficient '' with no explanation as to why it was not sufficient. At other times, I have been told that American Express " has no record of this transaction '' with no explanation as to how that can be given the clear processing data included on the cashed check. Now American Express is threatening to report me for non-payment to the credit reporting agencies. I have been promised calls from supervisors that have never materialized. I believe the documents I have clearly prove that this amount was paid to American Express. In fact, it represents an overpayment and when properly credited to my account American Express will owe me money. I would like to avoid legal action, but that may soon be my only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be 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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
I wrote to the company that it was a bill coding error, they fixed it on their end and resubmitted it to the insurance company. Then they let me know there was no patient responsibility. I checked my XXXX XXXX XXXX  account and there is XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There was a charge off a XXXX mortgage in 2021 in my credit report by XXXX. This is not mine and they are illigelly doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: U.S. BANCORP
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA 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 explanation
Consumer complaint received 2022-04-29 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: World Acceptance Corporation
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: PA

Complaint narrative:
Several years back I enjoyed using my discover XXXX credit card tremendously. For two or three years in a row I'd use roughly $ XXXX in credit with it a year. 

My credit limit is $ XXXX with them and I've asked them to increase my credit limit for three years now and they've repeatedly rejected my request despite my annual income, credit score, and personal payment history with the vendor being exceptional. 

The reason they continue to reject me is because they failed to honor a fraud dispute I placed one year, which wouldn't cost me {$2500.00} had I not sued them and the vendor in court to determine who was at fault for causing and perpetuating the fraud that had occurred ... Due to the litigation, they are retaliating against me by rejecting all my requests for credit limit increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
We purchased a used car on XX/XX/22 in Arizona- we reside in Alabama. We signed documents that we intended to title and register the car in our state of residence. We got a loan through Fifth Third Bank. We paid off the loan in full in XXXX. Fifth Third then sent the title to Arizona instead of Alabama, but never notified us it had been sent at all. 

We are now past our 90 day temporary license plate and ca n't drive the car. The first time I called Fifth Third, I was told they sent the title to Alabama electronically. I went to the AL DMV and was informed that Alabama does not do electronic titles and can not process my registration. The second time I called Fifth Third, I was told the title was in Arizona and I would have to request it from the Arizona XXXX. The Arizona XXXX can/will not help me as I am not a resident of the state. Arizona said they actually sent the title back to Fifth Third to be sent to us in Alabama. The third time I called Fifth Third, they told me again the title had been sent to Alabama electronically. When I told them that was not possible according to our DMV, they then told me to have Alabama request it from Arizona. I explained Alabama can't do that without any of the title information, which I don't have since they won't send me my title. They gave me the title number and told me to call the Arizona DMV.again or to have the Alabama DMV call Arizona. 

Fifth Third is refusing to send me the title to my car that I have paid for, and I can not use it. They have been extremely unhelpful. They titled it in the wrong state from the beginning, and have not been helpful in resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I have received numerous phones calls and voicemails from HRRG/ Healthcare Recovery Revenue Group that I still have on record. I have sent a validation of debt letter as well as a cease and desist letter, for which I am awaiting my receipt. 

I have numerous phone calls and voicemails from the following dates:
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

These phone calls have been every single day multiple times a day for several months, this isn't even half of the phone calls or voicemails I have received. Long voice mails and some telling me to take action before legal action is taken. Ridiculous!! The debt had not been validated and is not HIPPA Compliant. I wanted to file an official complaint to have this on record. If they continue to harass me after my cease and desist, I will seek compensation.

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 2022-04-29 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: PA

Complaint narrative:
I looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: VA

Complaint narrative:
I made purchase for {$110.00} using Paypal credit on XXXX on XX/XX/2021. I called the merchant phone number listed on the web site next day where I made purchase but it was saying if I'm calling about XXXX  then its fraud so I reported to Paypal Credit next day morning. 
Since then I keep calling Paypal credit but the customer service keeps telling me that it will take time and sometime in XXXX they said XXXX produced the tracking number for the delivered goods but I never received the merchandise. I re-opened the case again with Paypal credit again. Their customer service keeps me telling I don't have to pay so I did not pay. Now they keep adding fees and interest and now its {$240.00} and they have closed my account also. I finally gave up and I paid {$240.00} today. They said they sent me letter saying they have confirmed from the seller that they did sent the goods but I never received it. 
I paid it because I'm afraid of the way they are adding fees and I don't have time to call them every time and spend almost 30 minutes. 
But I believe its bad practice that Paypal is using and running fraudulent shop behind the scene also instead if freezing the payment they are using scare tactics to add fees so that a good person end up paying it and that's what happened and I paid it. 
But question is someone need to investigate this and I should get my money back, they must be doing this with many people.. 
I have attach the screenshot of where I made purchase and I believe merchant is fraudulent.

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 2022-04-29 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: TN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
There was no notification from Nationwide to collect debt and they posted a derogatory medical collection remark on my credit report in XXXX. 

Additionally, I have not provided my social security number to any company since the past 4 years. 

The collection is in violation of Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
This company is very misleading and inconsistent between representatives. I spoke with representative # 1 in XXXX- beginning of XXXX to make a plan to get my account current. At that time my account was delinquent with a XXXX XXXX XXXX which included XXXX bill of XXXX. On XXXX XXXX I made a {$500.00} payment and the on XXXX XXXX I make a {$500.00} payment bringing the account up to date and current. On BOTH the company website and the App my account reflected CURRENT. On XXXX XXXX my account is now reflecting 3 days past due for XXXX ( which now is accruing interest ). I spoke with a representative # 2 who claimed that I actually owed XXXX which was not reflecting ANYWHERE on the payment DUE on both the App and the Website. The representative # 1 that I spoke with making this plan early Mar/Apr said that what I saw as the payment DUE which at that time was XXXX was what I needed to pay to make my account current. At this time my account is PAST DUE with a balance of XXXX and I have no clue where this balance came from. XXXX has been paid and the account has been current as I stated. Representative # 2 claims that I was supposed to get the balance of XXXX from my statement to be current, but if that were true BOTH the App and the website would have reflected that balance as well, but it did NOT show that balance. This company is VERY misleading and predatory with extremely high interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
in accordance with the fair credit reporting act 15USC 1681 Section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B a creditor may not teat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation