vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 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: VA

Complaint narrative:
I am an XXXX XXXX and get paid via PayPal the vast majority of the time. Today, XX/XX/2018, I noticed that an invoice was paid, so I decided to move the money ( {$73.00} ) from my PayPal account to my XXXX XXXX XXXX checking account. During this process, I noticed that the usual fee of {$0.00} was now 1 % of the amount being transferred, not to exceed {$10.00}. I called PayPal and spoke to XXXX. She said I was notified in XXXX about the increased fee. I asked her where I was notified, and she stated that there was an internal notification system and to check my message center. There was no notification sent to me, so XXXX said she would report the error as a complaint. But otherwise, there wasn't much she could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 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: GA

Complaint narrative:
I have contacted Equifax about me being a victim of identity theft and have ask them to remove the fraudulent accounts from my credit report along with the hard and soft inquiries that were made. Equifax has yet to remove/block all fraudulent accounts as stated in the FCRA they must do within 4 business days of receiving and identity theft report and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX, 2018, I viewed my free credit report on Experian. It shows zero credit history and offers a 1 $ FICO score on a 7 day membership, then charges XXXX dollars a month if not cancelled within 7 days. I DID NOT SIGN UP OR GIVE MY DEBIT CARD INFO, but somehow still received an email with a membership ID and {$1.00} was charged to my bank account. 
Experian claims the only way too cancel a membership is by phone, but every number is automated, with zero option to speak to a human, and states that I am not a member.

This company is going to ruin my credit before I can even obtain credit to begin with, how is one of the three main credit bureaus allowed to be a complete scam?

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 2018-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I found my American Express Membership Rewards Program account is frozen by American Express Company when I tried to purchase a flight ticket with my Membership Rewards points. Here is the message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

I chatted with their online agent, called the Membership Rewards program agent, American Express travel agent, and an agent from the security team. But, nobody from American Express can tell me why my point account is frozen, and when can I use my points again. People from American Express keeps transferring my call to different departments, the last agent told me she didn't know why my account is frozen and the only thing I can do is to wait. I asked her how long should I wait, and she said I need to wait 3 billing cycles, which is more than 3 months. I need these points to buy flight ticket right, and the ticket price is keeping increasing everyday! Why I should wait 3 months for a unclear reason? Please give me an answer, or least give me a reason. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I deposited XXXX $ into my paypal account using the barcode from the paypal application on my phone.The transaction was complete I got a receipt, however the funds did not reach my account.This process has been reliable for me multiple times in the past and is usually instantly on my account or less than 20 minutes. 
I reported this issue to paypal, they asked for the receipt.I scanned and sent them a copy the receipt. 
They continued to tell me different lengths of time in which they would have taken to trace the transfer. 
They told me 10 days, then 72 hours, then finally today I suggested that their instigating and just want to financially harm me by making me settle in court or something. 
They responded by maliciously and intentionally misinterpreting that as legal action and said they could no longer help me and told me to write a letter to their legal department. 

So they basically intentionally refused to help me after provoking me for 48 hours and I am now out of XXXX $ which  was for emergency purposes to my child.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 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: CA

Complaint narrative:
Yesterday XX/XX/XXXX, Experian reported changed information on my credit file regarding XXXX XXXXXXXX XXXX XXXX, partial account number XXXX .... ( see Exhibit B ) The change in information is perceived as a direct result of CFPB complaint XXXX against XXXX XXXX XXXX XXXX ( Exhibit E ) andXXXX against Experian ( Exhibit D ) .The problem and unfair damage to me is that the information was only partially corrected, the account now shows as paid.Yet the payment history shows unpaid from XX/XX/XXXX through XX/XX/XXXX ( see Exhibit B and C ) .The debt now showing paid was completely erroneous to begin with.The debt was a {$190.00} fee increased to {$250.00} tacked on to a paid auto loan after receipt of the clear title, a 48 month auto loan incepted in XX/XX/XXXX and title received in mid-XX/XX/XXXX.The credit reporting today is still inaccurate yet Experian refused online investigation today ( see Exhibit A ) .The account inaccurate, damaging and incomplete should now, based upon the preponderance of evidence, and after multiple 30 day investigations should be removed from my Experian report based upon protections afforded under the FCRA. 
Additionally the creditor who has been assessed amazing fines in the 100s of millions of dollars regarding malfeasance in auto lending should continue under scrutiny of the CFPB as their behavior noted continues.

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 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The bank has charged to many overdraft fees. I've tried to get it refunded but haven't been able to get them to.

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 2018-11-10 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: AES/PHEAA
State: KS

Complaint narrative:
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my XXXX  Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I informed Chase Credit Card Services that Im going through hardship and that I can only make payment for the amount of {$50.00} per month Chase did not wanted to the {$50.00} dollars per month They want to close the account. 

And due to the payment situation Chase have reported late payments to the Credit Bureaus I have been Chase Customer for many many years Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my TransUnion Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from 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 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is imformation on my report that stops me from opening an account anywhere that is false info i had fraud on my accounts and closed them no longer have them please take off whatever it is stopping from opening an account

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 2018-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My savings account number was used by an unauthorized person for three transactions. Two transactions on XX/XX/2018 for {$19.00} and {$3700.00} to an unknown XXXX account I reported the very next day to both the bank and XXXX. The one transaction I did not notice was on XX/XX/2018 for {$10.00} also to an unknown XXXX account .The bank and XXXX both recognize these transactions as being fraud charges. The banks claims department sent me two letters back stating because I did not call in on the {$10.00} fraud charge within 60 days they refuse to credit the other two. They seem to think if I did catch that transaction back in XXXX the unknown person would have not been able to get any more funds as they would have closed my account. But yet my account is still open to this day. And who's to say they don't come up with the new account, they some how got this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 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: ID

Complaint narrative:
I have written several letters of dispute to Experian requesting to remove invalid and inaccurate information from the Credit Report they are selling to their clients about my credit worthiness. I have requested that the company supply me with the method used to verify this inaccurate information in a letter on XX/XX/2018. I did not receive a response to the method used or my questions on how their information was verified but rather a form letter saying it was accurate. The questioned and inaccurate reporting of accounts listed on the report remains as they were. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, we had opened up Home Mortgage account with US Bank in XXXX, MN. Along with that they opened up Line of Credit account without our knowledge. Getting to the content of the description. We paid of Home mortgage on XXXX of XXXX. Our accounts with US Banks were closed. However, they kept our line of credit account open, which we were not even aware that we had one with them. Anyhow, we did not use line of credit as we were not aware of having an account. However, US Bank kept charging us {$29.00} to $ 24 monthly service charges from XXXX of XXXX to XX/XX/XXXX resulting the total charges of {$540.00} that we were not aware of. 
I went to US Bank in XXXX of XXXX for other banking and that's when I found out that there was {$540.00} charges on so called " Line of Credit '' account with US Bank, which gave me shock at the moment. 
Since XX/XX/XXXX to XX/XX/XXXX, I was with US Bank asking them to resolve this issue since these were not legit charges. At one point I was given assurance that it will be removed. However, On XX/XX/XXXX, when I ordered my credit report through experian, that when I fount out that US Bank had wrote a charge off on this amount of {$350.00} and it's on my credit report, which should not have been there. 
I'm bagging for your help to resolves this issue with US Bank in our favor since these are service charges that we have never used the service of. 
Please help me by talking with US Bank and finally to credit reporting company experian to sort this. 
I'll really appreciate your time in resolving this matter. 
Should you have any questions, my phone number is ( XXXX ) XXXX. 
my email address is XXXX Thanks in advance.

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 2018-11-11 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:
there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off 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 2018-11-11 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: GA

Complaint narrative:
Hello, There was 2 separate transactions ( {$100.00} ) and ( {$150.00} ), on XX/XX/XXXX and XXXX. This happened at the ATM, using a card-free access. I filed a dispute on XX/XX/XXXX, since Wells Fargo was have a system failure ( on my end, until XXXX ) and they denied my claim, because they had assumed it was authorized, when in fact, it was unauthorized. I was in another city at the time of the transaction and this is unacceptable.

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 2018-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I was invited by a girl I met on the XXXX app to join a dating event in XXXX. I added her on XXXX app and encouraged me to join the event. 

I have to pay for a membership fee of XXXX in order to do so. Eventually I did via Western Union money transfer to the XXXX on XX/XX/2018. But after making the membership payment, the so-called admin contacted me and offered me to select a few choices of packages in order to finalize and complete my membership. 

Again, I agreed and hesitantly paid a total of XXXX to the same recipient via Western Union money transfer. I was really having some tough time believing them, to the point that I made my first payment in half - XXXX on XX/XX/2018. Another payment of XXXX on XX/XX/2018. And, made the final payment of XXXX on XX/XX/2018. I have attached all these receipts on this site as well. 

However, after that, they refused to give me any invitation to join an event by making a lot of excuses, and telling me that the girl who is supposed to be my partner is no longer available. I already escalated this issue to the Western Union, and currently investigating, and see if I am eligible for a refund. I am more than willing to help in order to investigate this further so these alleged scammers will no longer harm other people. 

Please take note of the following email addresses they are currently using : XXXX XXXX XXXX ( This person is also on XXXX, and XXXX using the name " XXXX XXXX ''. And " XXXX XXXX '' on XXXX - XXXX XXXX   XXXX ) In addition to this, this alleged fraud unit, is also using XXXX XXXX as the recipient of the Western Union money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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:
there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
On or about XX/XX/2018 XXXX  received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from XXXX it was told in a letter that a third party vendor Lexis Nexis had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on Lexis Nexis this is clearly a privacy violation for both agencies. I need to how is this verification  legal since the courthouse on record doesn`t release said information.

Company response to consumer: Closed with explanation