vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX to verify this information with Discover Card services. 

I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information is missing from my credit profile, that being a XXXX XXXX in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX XXXX XXXX 
I am also asking XXXX and Equifax to verify XXXX authorized users policy which states : *XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

I am also requesting the missing information be added to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent the item back And XXXX never got it They want me to pay for a lost item I wont pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Around XX/XX/2021, fraudulent purchases were made on a wayfair credit card linked to wayfair my account on wayfair.com. There was an amount for {$760.00}, {$400.00}, and {$410.00} made on one day. I noticed these purchases from an email the following day. I reported these claims and they were resolved, but they have reissued the amount back to my account stating that I am now responsible. There is clear poof that I didnt not order these items by the name used and the location there items were sent. With the quick response I provided to the issue these orders should have been prevented from shipping and the transaction should have been canceled but the response team did not act in the proper accord to secure their assets and create a worthy customer fraud remediation. I am now stuck with a bill of almost {$2000.00} dollars that i did not authorize. I am also paying interest on an account that guaranteed 24 months not interest. 

This experience has been displeasinf for them to respond this way 60 days later.

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 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank occurrence : Emil received " Your available balance reached or dropped below XXXX XX/XX/XXXX. 
Phoned bank fraud number to report bank account opened under my profile. The fraud account was opened with a Different but similar, name, address. Different drivers license.

Fraud dept said my fault because I have 4 other account so bank not responsible to keep another account safe. Fraud said will inform 1 credit company and other 2 will be contacted. Did not happen. Called Fraud dept again with different person, want fraud activity on my accounts. Each Fraud dept gave me different claim number. Fraud dept said my social security has been stolen and is on the dark web and get another social security number. Changed user name and password. Password last changed in XXXX. 
Received XX/XX/XXXX all email Delivery preference changed. Never authorized.Called Fraud dept XX/XX/XXXX. Fraud dept said I should go to no online banking and visit branches and write checks by hand and use mailbox for delivery. Each time contact bank is over 1 hour, given 45 day time frame, 30 day time frame. XX/XX/XXXX email received Line of business executive office with case number. XX/XX/XXXX email Account closure notice all accounts closed by XX/XX/XXXX. XX/XX/XXXX received in USPS debit XXXX  in name and address similar to mine but NOT my profile information bank has. XX/XX/XXXX went into branch location. Closed 1 of four accounts as email requested but only to close ONE account for I need more time to move other 3. BRANCH MANAGER REFUSED CASH TO CLOSE ACCOUNT. Banker wanted my name to appear as the FRAUD account name on cashiers check. Not the name on MY ACCOUNTS. Had to take cashiers check. Not agreeing but no other way to get cash till it first receive a cashiers check. Branch manager emailed higher level in bank of my complaint and on phone. REFUSED to give even first name of person who she had to reach on telephone. WAS TOLD I HAVE TO HAVE A POLICE SUBPOENA TO GET WHO WHEN HOW WHY NAME DRIVERS LICENSE ON MY FRAUD ACCOUNT THAT WAS OPENED. No clue how to do this. Bank NEEDS TO PROVIDE THIS BASIC INFORMATION. Bank accounts was opened over 32 years ago, now being thrown away over their fraud. I notified all 3 credit companies with fraud alert and fraud. This is good only for 12 months. My credit has been frozen for years. Need credit protection to be paid by bank for 5 years. Manager said ONLY WAY TO HAVE FRAUD ALERT ON MY ACCOUNTS I HAVE TO HAVE THEIR BANKING APP ON MY PHONE. I refuse to have any app on my cell telephone that is any way related to MONEY. I do not approve of the fraud or way it has been handled by the bank. Bank failed me repeatedly.

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MI

Complaint narrative:
Information is missing from my credit profile, that being a Discover card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and XXXX to verify this information with Discover Card services. 
I am also asking XXXX and XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information is missing from my credit profile, that being a XXXX card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX Card services. 
I am also asking XXXX and Equifax to verify XXXX  authorized users policy which states : *XXXX reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: TN

Complaint narrative:
I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has removed TWO of my accounts without any reason and is not reporting one of my accounts. 
The two accounts that removed without a reason are XXXX Bank and XXXX XXXX XXXX. 
The Account they are blocking is XXXX XXXX XXXX XXXX XXXX XXXX ). ALL of these accounts belong to me, are in good standing, are valid account, and paid on time with an exceptional payment history. These are not fraudulent accounts. They belong to me. There is NO reason why these accounts should have been removed from my Experian Credit Profile.

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 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern. 
My full name matching my passport XXXX XXXX. 
XXXXm from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AmOne Corp.
State: IL

Complaint narrative:
Today, XX/XX/2022, I was applying for a loan with AmOne on their website. www.amone.com After I entered all my information it took me into the account of a different individual that I do not know. None of my information was connected to this person.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX is reporting inaccurate information in violation of 15 usc 1681 and also 15 usc 1666b and also 15 usc ( 8 ) 602 and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022 my USAA account was compromised and locked. I received a check for services rendered upon depositing the check it was cleared. A couple days later my account was locked and upon calling USAA i was told that the check was bad and that my account was closed. I had no time to discuss the matter and even after calling i was Told its nothing that can be done. I refuse to be at fault for a bad check that didnt come from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Resurgent Receivables LLC, and XXXX XXXX XXXX XXXX XXXX XXXX 

I received your letter at my address dated on XX/XX//2022.

However, I h

ave two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX  # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: OH

Complaint narrative:
I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Using this method a company was able to put an outstanding charge on my rental history. This inquiry is incorrect. I have no knowledge of this outstanding fraudulent balanced placed on my rental history report. This company has illegally placed this charge on my credit preventing me from being able to qualify for other rentals. I am in very much need of this matter handled as soon as possible. This has become a burden in my life and urgently need this looked into as soon as possible.

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 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
THE DATE IS XX/XX/2022. THE BANK IS MONEYLION LOST TRANSACTION XXXX XXXX I CALLED TO HAVE THEM RESEARCH IF FUNDS WERE RECEIVED FROM AN EXTERNAL TRANSFER AS OTHER BANKMSHOWS TRANSFER COMPLETED THEY REFUSED TO RESEARCH, AND ALSO ENDED THE PHONE CALL. I FEEL AS IF THE MONEY HAS BEEN COMPRISED AND STOLEN FROM MY ACCOUNT BY THEIR BANK. THE REPRESENTATIVES WERE RUDE AND REFUSED TO TRANSFER TO THE MANAGEMENT WHO WERE ADVISED DID NOT HAVE THE ABILITY TO DO SO. They SAID THEY WOULD SEND EMAILS BUT NEVER RECEIVED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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