vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card Travel Rewards from Bank of America. 
On XX/XX/XXXX I received one offer from the credit card to transfer the balance to my account without interest until XX/XX/2024, but with a fee of 3 %. 
I accept the offer and use my credit card normally. 
My first statement after the offer came correct, without any interest, and all my new purchases and payments correct like normally being using for years. 
The second statement with the information that I spend $ {$1500.00} in new purchases and made {$2300.00} in anticipated payments ( before the due date ). 
Following that, the next statement that I received was with a charge of {$16.00} in interest from the previous purchases of {$900.00}. Immediately I call the customer service and after more that XXXX hour in the phone, and supervisors, they couldn't explain why it was charged. But eventually, they told me very clear to not use the credit card until pay off the offer. 
After a couple of days, I try to caXXXX XXXX  more time. After more than XXXX hour, again the associate couldn't explain the reason for the interest as I was paying all my purchases anticipated but mention one more time and very clear that I can not use my credit card anymore until I pay off the offer, and the bank is charging interest in the purchases since the day I spend my card. 
That is a misguiding information since the credit card is charging consumers interest from the day a purchase is made and not observing the closing date to validate the interest. Again, I am using the credit card for new purchases and paying before the closing and due date, and still the bank is charging interest for those purchases. 
Worst part, I ask to explain the calculation and witch purchases generate the interest and no one could find the transactions. 
Until now, no resolution and no restitution of the fees. 
I can XXXX how many millions are being still without customers without the client understand.

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 2022-11-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-30 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TN

Complaint narrative:
On XX/XX/XXXX I attempted to purchase furniture using financing terms through XXXX  using paypal as a payment which was 6 months no interest. When I purchased the items, it was said that I should have them XXXX XXXX. On the XXXX of XXXX I check the status of the purchase and it was updated to show that it wouldn't arrive untill the XXXX of XXXX. The Items were supposed to be XXXX Presents and the updated timeline is too close to XXXX and I decided to Cancel the purchase and find something else. I requested the XXXX on XX/XX/XXXX. On XXXX XXXX, I was notified that the cancelations were complete and the refunds were made. The receipts show that the refunds were made and that everything should be fine. XX/XX/XXXX I received an email stating my account was NSF for the entire purchase that had already been canceled. Paypal, even though receiving the funds from the canceled transaction attempted to debit my account for the full purchase price of the items. Of course their is NSF because I had a 6th month payment plan, what difference should that make because I had to cancel the order due to the updated shipping estimate having it arrive to close to XXXX? Today I awoke to a XXXX NSF fee charged by my bank because paypal is attempting to double charge me, and on top of that I can not make contact with paypal and have no idea if they're going to attempt to try and charge me again for the canceled order which will result in another NSF fee and even possibly the cancelation of my Mortgage payment. They need to stop their theft of my accounts!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am not seeing the proper balance after making a payment unsure of the calculation of the interest and fees

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 2022-11-30 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: GA

Complaint narrative:
On my credit report, XXXX XXXX XXXXXXXX information is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX Acct XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than the records of convictions of crime which antedated the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-30 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: GA

Complaint narrative:
On my credit report, XXXX XXXX XXXXXXXX XXXX is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than the records of convictions of crime which antedated the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-30 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: Atlanticus Services Corporation
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXXFORTIVA, has violated my rights. 

15 USC Section 602 states that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received a fraudulent request for payment in my PayPal account and via email from PayPal which additionally contains a scammer 's phone number to dispute the transaction. I tried to report to PayPal and they provide no mechanism to do so and are thus not taking necessary actions to prevent the use of their systems in this type of fraud. PayPal is allowing their systems to be used for fraud and scams and provide no reporting mechanism or follow up. I tried to contact them via chat and it is a loop with no way to report. I additionally tried following their FAQ to report and it errored out since my account was not directly accessed. 

Here is the text of the email from service@paypal.com XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent you a money request NOTE FROM XXXX XXXX : quote You Paid {$480.00}. XXXX XXXX XXXX XXXXXXXX thanks For Using PAYPAL, If you have not approved this Order and need this to be Stopped then Put a Dispute on this now XXXX XXXXXXXX quote Payment request details Transaction ID XXXX  ( redacted ) Transaction date XX/XX/2022 Amount requested {$480.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
THis in regard to a TRUIST checking account. 

On XX/XX/2022 my account had a balance of {$84.00}. On that day I made purchases for : {$12.00} {$0.00} {$38.00} {$3.00} {$2.00} {$2.00} Adding up to {$60.00} This left me with a balance of {$23.00} However, on that day I was charged an overdraft fee of {$36.00} for no given reason, and my account went to - {$12.00}. This fraudulent charge went on to cause compounding charges since I made further purchases without the knowledge that I had a fraudulent fee on my account. 

On XXXX XXXX I incurred XXXX more {$36.00} fees which would not have occurred had the first fraudulent fee happened. 

I contacted customer service and they insisted that I was overdrawn, even though my account statement says otherwise. I am currently on my third representative and I have had no success in rectifying the issue.

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 2022-11-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I was the victim of a XXXX scam in which another person coerced me into sending XXXX dollars through XXXX for a " refund '', by sending me an email under the guise of XXXX claiming overpayment by one " XXXX XXXX '' and need for me to refund money to him by sending it to him through XXXX. 

I recognized the scam after the XXXX dollars was sent, when a second email was sent to me by " XXXX '' asking for more money to be " refunded '' to " XXXX XXXX ''. 

I immediately called Chase and alerted them of the issue. They did not reimburse me for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My address on Experian XXXX and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Contacts me at least twice a day as well as calling my relatives that has nothing to do with it. 
XX/XX/XXXX called me and my upset three time XX/XX/XXXX called me once XX/XX/XXXX called me twice and my husband once. 
XXXX of XXXX - XXXX at least me twice from different numbers and my husband once. Caused friction on his job when they call during the day. 

I receive calls from numbers ranging from NC, GA, CA, TN, TX to name a few. 

I asked them to stop calling as I am working with a credit repair company, but they keep calling us this has been going on for over 5 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE/SLATE XXXX, solicited me for PRE-APPROVED CREDIT. On XXXX XXXX I submitted application for credit. I called Chase credit card department about the status of my application, I was told that credit was denied. I then asked the agent to delete my personal information and not to sell it. 
CHASE CREDIT CARD DEPARTMENT refused to delete my personal information and not to sell upon my request. This denial happened after the initial agent I spoke with spoke to someone that directed the agent to refuse my request. I ask why they won't delete the agent on XX/XX/2022 at approximately XXXX and was told that they will not delete my information because I was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you

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 2022-11-30 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: PA

Complaint narrative:
Ive been trying get a account deleted off my credit report that I do not recognize, account name is 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 non-monetary relief
Consumer complaint received 2022-11-30 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: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
Current allowed XXXX to charge my card over XXXX XXXX I filed a dispute with current they informed a credit would be issued while the did their work. I have not heard from the bank. Every time i try to contact them the only way is chat. The deny me access to a manger or someone of hire authority. They promise call backs or emails absolutely nothing. This is insane and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
An erroneous XXXX day Late payment was reported to the credit bureau for XX/XX/2022. I spoke with several representatives at Freedom Mortgage including a supervisor and was informed that the late charge would be removed and to date it is still reporting accurate. I disputed the late charge to all XXXX credit bureaus and the the disputes came back verified. I am not sure if the credit bureaus did a thorough investigation because I received a notification from all XXXX credit bureaus before XXXX days that the XXXX  day late reporting was verified. Upon receipt from the credit bureaus I called the mortgage company to complain and they assured me that they submitted a request to update my credit reports to never late. I am submitting this complaint as my last resort to correct the late charge on all XXXX of my credit reports ( XXXX, XXXX, and 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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Ex wife opened 3 credit cards. She listed me as an authorized signer on the 3 credit cards ( Bank of America, XXXX XXXX and XXXX ). I never signed anything to authoize me as an authorized signer or to be added to these accounts. The credit card company did NOT have my permission to put me on those accounts. Ex wife did not pay the cards. Now those are being reported negatively on my credit report. I want proof from those companies that I gave permission to sign up for those cards. When they can't provide the proof of persmission that I never granted, I would like those 3 cards off my credit report as I did not sign up for those cards. 

I am trying to apply for a home loan and this fraudulent activity is blocking my home loan. Thank you for your assistance.

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 2022-11-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires : 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

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