vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: MECHANICS BANK
State: CA

Complaint narrative:
XXXX - XX/XX/XXXX TRANSACTIONS IN VARIOUS AMOUNTS TO VARIOUS ONLINE GAMING CASINOS CHARGED THE DEBIT CARD THE SERVICES OF THE PRODUCT BEING A CHECKING ACCT. THE FINANCIAL INSTITUTION ALLOWED TRANSACTIONS TO BEING COVERED BY THE FINANCIAL INSTITUTION EXTENDING FUNDS THAT WERE NOT THERE TO COVER TRANSACTIONS WHEN IT SHOULD HAVE DECLINED BUT DO TO MECHANICS BANK CHOOSING TO DEBIT A XXXX  BALANCE ACCT CAUSING THE ACCOUNT TO BEING OVERDRAFTED WITHOUT THE CONSENT OF MYSELF THE CONSUMER WHO OPTED OUT OF ITS OPTIONAL SERVICES OF OVERDRAFT PROTECTION THE INSTITUTION FORCED THE ACCOUNT TO BEING SUBJECTED TO ITS DESCRETIONAL AMOUNT IT CHOSE TO COVER AND THUS SURPRISE AMOUNT OF FEES ALL FOR THEIR PERSONAL AND OR PRIVATE FINANCIAL GAINS BY ITS UNAUTHORIZED POSITION TO HAVE RIGHT TO COVER WHEN CONSUMER OPTED OUT OF OVERDRAFT DUE TO NOT AUTHORIZING ANY TRANSACTION SHOULD FUNDS NOT BEING AVALIABLE IN SAID ACCT. THE FINANCIAL INSTITUTION CAUSED THIS MATTER TO HAVE OCCURED AND ITS DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I'VE OPEN A CHECKING ACCOUNT WITH PAY PAL SOMTIME BACK IN XXXX. I'VE APLLIED FOR GOV UNEPLOYMENT BENIFITS IN XXXX OF XXXX AND WAS APPROVED TO RECECIVE MY BENIFITS IN XX/XX/XXXX. ON XXXX XXXX THE AMOUNT OF {$8100.00} WAS DEPOSITED INTO MY PAY PAL CHECKING ACCOUNT BY THE XXXX XXXX XXXXXXXX XXXX XXXX. ON XXXX XXXX MY ACCOUNT WAS PLACED ON HOLD WITHOUT NOTICE OF ANY KIND FROM PAYPAL. IVE NEVER HAD A CHARGE BACK NEVER HAD ANY KIND OF DISPUTE ARE ISSUE ON MY ACCOUNT FOR THIS HOLD TO BE PLACE ON THERE. IVE CALLED INTO PAYPAL SELVRAL TIMES TRYING TO SEE WHY A LIMTATION WAS PLACED ON MY ACCOUNT. I HAVE SELVRAL RECORED PHONE CALLS ATTACHED TO THIS COMPLAINT WITH EACH AND EVERY CALL CONVERSATION IVE HAD WITH PAY PAL CONCERNING THIS ISSUE. THE LIMITATION PAY PAL PLACED ON MY ACCOUNT PREVENTED ME FROM USING MY ACCOUNT IM NOT ABLE TO SPEND, TRANSFER, WITHDRAW ARE SPEND MY FUNDS! I SPOKE WITH PAY PAL ON NUMEROS OCCATIONS AND WAS TOLD THE LIMITATION MAY TAKE UP TO 180 DAYS MAX AND THAT MY FUNDS WILL BE RELEASE AFTERWARDS. PAY PAL WASNT ABLE TO GIVE ME A REASON ARE INFOMATION ON WHY MY ACCOUNT WAS PLACED ON HOLD IN THE FRIST PLACE. IVE WAITED 180 DAYS FOR MY FUNDS BUT IT NEVER HAPPEN. AFTER 180 DAYS IVE CALLED BACK IN TO PAY PAL TO SEE WHAT I NEED TO DO TO TRANSFER MY FUND OUT THE ACCOUNT, I WAS THEN TOLD MY ACCOUNT WAS CLOSED AND THAT I WILL RECEVE A EMAIL ON HOW TO WITHDRAW MY FUNDS IN 48 HOURS. ( RECORDED XX/XX/XXXX CALL TIME 48MINS. ) ONCE AGAIN NOTHING HAPPEN. IVE BEEN ECITE OUT MY HOME I LOST MY CHILD DUE TO ME NOT ABLE TO GET MY FUNDS FOR MEDICAL PROCEDURES. IM CURRENTLY HOMLESS AND THIS IS NOT RIGHT!!! NOW ITS BEEN 3 YEARS AND PAY PAL STILL HAVE MY FUNDS ON HOLD. PAY PAL FIRST PLACED A HOLD ON MY ACCOUNT 2.CLOSED MY ACCOUNT3 HOLDING MY FUNDS. IF MY ACCOUNT IS CLOSED LIKE PAYPAY TOLD ME IM NO LONGER IN AN AGREEMENT WITH THEM AT ALL AND THEY DONT HAVE THE RIGHT TO WITHHELD ARE HOLD MY FUNDS.! THIS IS THEFT, IVE FILED A POLICE REPORT TODAY XX/XX/XXXX AND LOOKING TI HIRE AN ATTORNY TO HELP ASSITANCE ME WITH THIS ISSUE. IVE LOST EVERYTHING. THE ALABAMA XXXX XXXX APPROVED ME FOR BENIFITS 3 YEARS AGO AND I WASNT ABLE TO SPEND ANYTHING. I WILL MOST DEFILINY FILING A LAWSUIT AGAINST PAY PAL FOR PROFESSIONAL NEGLIGENCE. PAY PAL HAD MORE THEN ENOUGH TIME TO COMPLETE ANYTHING THEY SAY THEY NEEDED TO COMPLETE. WHEN PAY PAL DECIEDED TO CLOSE THE ACCOUNT MY FUNDS SHOULD HAVE BEEN RELEASED RIGHT THEN NOT 3 YEARS LATER. THIS IS UNRESONABLE AN THEY WILL PAY FOR THIS.THIS IS FAURAD AND THEFT AND IS WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my XXXX credit report. This is identity theft and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my Experian credit report. This is identity theft and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
I made agreement with ClearOne Advanced with 7 accounts. I payed 6 of 7. I had problems with XXXX account because I never authorized the settlement but they took the money from my bank account until I stopped payments from my bank. 
1. XX/XX/XXXX I sent a lot email show I never authorized the settlement but they ignored me. 
2. XX/XX/XXXX They made payments to my account with settlement that I dont authorized. I sent email show issue. 
3. XX/XX/XXXX I stopped the made the payments. 
4. XX/XX/XXXX I request cancel the agreement but they made that but They took the money back and when I requested my refund the said is 0.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/23 I made a payment of {$650.00} towards my car loan with Fifth Third Bank, from a XXXX checking account containing {$2800.00} on the day of the payment. The payment posted and according to Fifth Third 's site everything was fine. On XX/XX/23 the payment was reversed without notifying me. I found out on XX/XX/23 when I received an email saying only " Your account needs attention ''. 

I contacted Fifth Third and was told the payment was rejected by XXXX, I was told that usually means insufficient funds. They said there was nothing they could do and to try again with a different account. The initial XXXX payment attempt doesn't even show up in all of the screens in my online account. However at no point did my XXXX account contain less than the amount of the loan payment. From what I'm able to see in my XXXX accounts/alerts there was never an attempt to withdrawal the payment by Fifth Third. I had even checked the day after the payment supposedly posted and there was no withdrawal from my XXXX account. If the account information was correct, as I believe it was, and XXXX truly rejected the payment then I received nothing at all in any form from XXXX on the matter. 

Some quick research tells me this kind of issue is common with Fifth Third and I am very disappointed that something like this can happen at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A creditor may not treat a payment on credit card account under an open end consumer credit plan, as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I got my car through a Santander Loan on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through XXXX XXXX XXXX with the Original credit name of ( Santander Consumer USA ). Santander was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I reviewed my credit report it appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please block/remove these items : XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief