vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: LA

Complaint narrative:
XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
My received my debit card from US Bank Reliacard at the beginning of XX/XX/2020. Texas Workforce Commission was loading my unemployment payments to the debit card. I was able to use card without any problems until until sometime around XX/XX/2020. I contacted customer service with the problem as to why my funds where being held and I wasnt able to use card. They then informed me that US BANK RELIACARD needed me to send them copy of government identification so that they may verify I lived at the address that they had on file. That because I corrected an error on my part by changing a lower case letter to upper on my address i had to send in verification of the address change. When there in fact had been no address change at all just me fixing a simple error in punctuation. Problem with sending in a government ID at this time for me is that I had recently lost my id and because of the pandemic I'm not able to replace my id until months from now. Also it is not TWC that has the problem it is the debit company. My funds are issued by TWC not this Reliacard company. I have gone to great lengths to have them possibly understand my situation. I have sent them a copy of mail with name and address, a copy of the appointment I made with the local DPS, a non government ID made by a local church here. There is over XXXX  $ on my debit card and I am not able use my employment funds for my living expenses. Which had caused me to be delinquent on my rental payments. And now receiving eviction notices. Can you please help me to get funds released.

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 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my 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 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I purchased an item for my car from a website XXXX which is based in XXXX and accepts paypal payments. I waited patiently from this merchant to ship my item and they kept delaying the shipment with comments such as we will ship out next week then the following week no update or response. So on XX/XX/2020 I filed a dispute on Paypal that the seller never shipped my merchandise or gave me a tracking number as promised. I also told the shipper not to send the item any more since it was too late and I no longer needed the item from them. 

Surprisingly on XX/XX/2020, I received update from the paypal dispute resolution department that stated the merchant provided a tracking number. This tracking number the seller provided was fake, and had no status even as a pending shipping. The seller is trying to defraud me by giving a false tracking number since you can not give a tracking number that doesn't exist in any of the known shipping companies. 

I went to look at what my recourse is for this situation and looked up the seller and found multiple sources such as this review site that says the merchant is notorious for scamming people and failing to send the items they promised to as part of a sale. 
XXXX XXXX XXXX The question I raise is twofold here : 1. How am I protected and able to get my money back if this tracking number is indeed false. Even if they ship me something, now that I had filed a complaint as the seller failed to give a tracking number, the resolution process is simply allowing the seller to provide a tracking number to cover his end, and that still leaves me vulnerable to being a victim of fraud by not receiving what I expected or there would be no option to open a new dispute if the item isn't what I was expecting. 

2. Why is paypal allowing this seller to continue using their services if it has been established that several customers have been defrauded by the seller in the past?

I am asking that paypal resolves this issue in an expeditious manner since I have already been waiting for over 3 weeks to get to this stage, and they are giving a response of XX/XX/XXXX to determine the outcome of the investigation. 

Based on other sources I found online, it appears that many fraud sellers are taking advantage of this loophole in Paypal to provide fake tracking numbers simply to get paypal off the seller 's back to steal customer funds. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automatic Data Processing, Inc.
State: WA

Complaint narrative:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by ADP on behalf of XXXX, XXXX, XXXX XXXXXXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX XXXXXXXX card in Pennsylvania. I'm told that I was sued by XXXX XXXXXXXX and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Last month, XX/XX/XXXX, my account showed {$350.00}, but it should have showedcat least {$900.00} or close to that amount, when I went to buy furniture it showed {$250.00} just about all year I have kept over {$1000.00} in my account once I received the stimulus paymdnt of {$1200.00}, XXXX was when innoticed the first discrepancy. I contacted the manager but I have not received a call back, then I called the fraud line. I have my checkdeposited monthly bb & t Bank, also I applied for the Covin Loan but???

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 2020-11-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-11-24 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: GA

Complaint narrative:
A fraudulent charge was made in XX/XX/2019. I didn't known until XX/XX/2019. By then the account was past due. I immediately notified the creditor. They agreed in writing the charge was fradulent.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone has withdrawn and stole more than XXXX on my XXXX account. I found out 2 weeks ago when I was trying to get cash in XXXX XXXX XXXX XXXX XXXX. ATM machine wont let me withdraw because it says Ive reached my limit for that day which I didnt. So I called Bank of America and it was confirmed that someone was getting a XXXX dollars everyday for six days. 
After trying to call the claim department for total of 20 hours or more, falling in line at he bank, emailing and sending messages through messenger I was able to file a dispute. And found at after a week in mail that it was denied! I am pretty sure if they even bother to investigate my dispute they will find out that my money was stolen. I filed for unemployment benefits because of COVID and its all the money I have.

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 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THEY HAVE OVER A 3 1/2 HOUR HOLD TIME ON AVERAGE TO SPEAK TO A REPRESENTATIVE AND WILL NOT GET ME THE FUNDS OWED ON MY CARD. I FILED A COMPLAINT AFTER TRYING TO WORK WITH THEM FOR MONTHS. NO RESOLUTION. THEY ASK FOR MORE TIME FROM YOU GUYS. 

** THEY ARE ILLEGALLY DENYING ME THE RIGHT TO FILE A DISPUTE, BECAUSE EVERY TIME I CALL I GET THE RUN AROUND. APPARENTLY THEY HAD A DISPUTE FOR SOME CHARGES BUT NOT ALL OF THEM. MY CARD IS NEGATIVE OVER XXXX AND I AM OWED XXXX ON TOP OF THIS. 


I TRIED OVER AND OVER AND OVER AND OVER TO GET A RESOLUTION. AFTER FILING A COMPLAINT I GOT A CALL BACK FROM A GIRL NAMED XXXX XXXX XXXX XXXX SHE PROMISED SHE WOULD LOOK INTO THIS AND GIVE ME A CALL BACK. I HAVE NOT RECEIVED ONE AFTER LEAVING 5 MESSAGES AND WAITING PATIENTLY. 

TURNS OUT THE PERSON WHO HAD MY CARD THAT I WAS NOT IN RECEIPT HAD DONE MULTIPLE CHARGES ON THE CARD, AND I JUST FINALLY WAS ABLE TO GET A CARD OUT TO ME THAT " WORKS ''. I HAVE NO ACCESS TO FUNDS AS IT IS XXXX AND CHANGE. I AM OWED XXXX AND THE CARD IS NEGATIVE XXXX THIS COMPANY IS USING DECEPTIVE DISPUTE PRACTICES TO EVADE FROM THE LEGAL TIMELINES THAT CONSUMERS HAVE TO BE GIVEN UNDER THE LAW. THEY HAVE BEEN DOING THIS TO QUITE A FEW PEOPLE AND WONT FILE DISPUTES/ CLOSE THEM ONLY TO REOPEN THEM AND GAIN MORE TIME WHEN THEYFULLY KNOW THESE NEED TO BE CREDITED WITHIN 10 DAYS. 

***********************************************************************************************

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 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-11-24 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I disputed unknown inquiries on my Early Warning Services Report. The company did not want to perform investigation ( XXXX XXXX inquiry ), refused to give me contact information of those inquiries so I can contact them by myself and see why they obtained my report. EWS said they don't have any evidence for the permissible reason of the inquiries and they won't remove the inquiries either. Provides inadequate information. Provides outdated information. And easily spreads my report to who-ever without my authorization or permitted by law, which puts me on a risk of identity theft. The uploaded file is evidencve that EWS doesn't care to who they give access to my file, and when i asked what is the reason they gave to the company in question, they simply ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recently I had XXXX  dollars stolen from my bank of america account.there was two atm withdrawals of a XXXX dollars each on XX/XX/XXXX and XXXX that I did not do.i filed a claim with the bank and ordered a new card and was told to take out the rest of my money from their customer service representative.the bank closed my claim without investigating and is refusing to reinstate my money that was taken from their bank .I followed their instructions on how to handle the matter and now they are telling me that it was fraud and that my claim is dismissed without even following up with me.the bank is responsible of any unauthorized charges and I demand a refund.

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