vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Manhattan JP Morgan has decided to lend my debit card credit and charge overdraft fees as my account is in the negative by over XXXX the last two months, when I called to complain the fees where reversed, but I pointed out their is no real time banking and approval of ACH is not automatic as they noted as I tested their algorithm explanations by using XXXX XXXX for separate purchases that were approved and had overdraft fees. Over 25 % of my overdraft balance of XXXX is fees. Yet, ACH of {$5.00} is not approved or automatic preset debit through a payday loan. They do not have automated transactions for me as things posted on a credit card company take over 6 business days to post. Its hard to keep an account balanced if the algorithms change and there are no real time debit transactions to monitor the balance in real time Chase Manhattan XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am a current homeowner, who closed on my first home XX/XX/XXXX. I was excited. However, in XX/XX/XXXX, I lost my job and was crushed! Since then I have struggled to make payments. I have been in contact with the servicer which is XXXX. However, they have not told me of any assistance to prevent my foreclosure from happening! In addition I have applied for THAF program. However, I am not able to get answer there either on approved status and it's been 30 days already. Can someone please assist me in getting an answer on if I have been approved for assistance and if there is something my servicer can actually do to help me please?

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 2022-07-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # 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 2022-07-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2022 I received an email from PayPal that stated I can no longer do business with PayPal due to PayPal 's Acceptable Use Policy. That my PayPal account has been permanently limited and my funds in my PayPal balance is on hold up to 180 days. 

I was in shock and flabbergasted and thought the PayPal email was a phishing scam email. So I logged into my PayPal account to check and my account was terminated and I could not transfer my {$2200.00} funds from my available balance. 

I contacted on XX/XX/2022 PayPal customer service to get my PayPal account re-activated since I gave PayPal the benefit of the doubt that they made a mistake. I have been doing business with PayPal for many years since XXXX and PayPal were together. But to know avail PayPal sent me an email back informing me that my PayPal account will remain permanently limited. 

PayPal unlawfully seized my money without informing me of any prior notice of the reasons behind the account freeze. PayPal gave no information how and when my money will be returned to me. I have not committed any illegal activities using PayPal. I sell online my used personal belongings that are all legal, which customers/buyers for some items paid at checkout using PayPal. PayPal can not seize my legal money that would be theft and an illegal crime punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again. 

On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process. 

After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account. 

Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
ON XX/XX/2022, I MADE MY PAYMENT ON MY DISCOVER CARD IN THE AMOUNT OF XXXX IN A TIMELY MANNER AND THEY SIMPLY REFUSE TO APPLY OR POST MY PAYMENTS IN A TIMELY MANNER. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED AND CORRECTED IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Had a derogatory mark on my credit report from a collection company ( XXXX  XXXX ). I have no idea who they are and why the derogatory mark was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX, XXXX {$1000.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$550.00} I filed a claim with Wells Fargo, they investigated and stated that because I authorized the transactions, they would do nothing. I did not authorize the transactions to that recipient. The individual receiving was fraudulently using an account. 

Wells Fargo claim Number : 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 2022-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to contact Equifax in regards this unknown inquiries in my report and they suggested to contact each of those individual companies to fix the issue, the problem is since I did not made those hard inquiries, I can not get a hold of anyone. Below are the inquiries that I did not authorize. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

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

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 2022-07-07 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: NY

Complaint narrative:
Hello, The problem has not been fixed my two banks can't connect to see my credit report. I can't see anything past XXXX, I'm still missing XXXX, XXXX, and XXXX. Equifax just sent me a physical report which is not what I need. 


PLEASE SEE ATTACHMENT, I logged into the website on the XXXX and the data only goes back to XXXX the issue is not fixed. 

Again Banks can't pull my credit score, I need help fixing the issues. I also tried multiple credit monitoring company they can't see anything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I paid Upgrade off XX/XX/2022. On XX/XX/XXXX, I decided to close this account. I called Upgrade and told them to close this account, well they said they closed the credit card, but in reality, they closed nothing. I called again on XX/XX/XXXX and told them to close the entire account, XXXX card and credit line, everything. To this day, nothing has been done. I also sent them an email on XX/XX/XXXX telling them to close down everything, and they still did nothing. I am not going to continue to call them and they do nothing, Im through with calling them. I want them gone and to leave me alone. This is a horrible company and has a reputation of not closing accounts when ask tolots of dissatisfied customers besides myself. They get some type of sick enjoyment out of doing people this way. A shystie company. Please close this account in its entirety, and also reference it on my credit report as Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My morgage co increased my hazard insurance from XXXX to XXXX I'm on a fixed income do I have any recourse they also won't give me a declaration page from the insurance Co or the phone number to the insurance Co what ate my choices

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 2022-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The below was sent with an old email that I can't open anymore to see response. This is a second account being made by me with new email. Can response be sent here or what do I need to do. This is XXXX XXXX Old email : XXXX New email : XXXX Thank You This ticket ( # XXXX ) has been updated. 

Hi XXXX, Thank you again for your submission to the FCC. The FCC 's role in this process is to facilitate a conversation between you and your provider. We received a response from your provider to your XXXX XXXX. XXXX. 

Here 's what happens next : - Your provider is required to send you a written copy of its response. Keep in mind, If the carrier sends the response by postal mail, it could take up to 10 days for you to receive the response. 
- Please review your provider 's response. If the issues you raised in your ticket remain unresolved, you can reply directly to this email with a short description of the problem. 
- Keep in mind that billing adjustments or other actions by your provider could take time to implement. 
- If we do not hear from you within 30 days, your ticket will be closed. 
- If you have new issues with your provider, you can file an additional complaint by going to : consumercomplaints.fcc.gov This email is a service from FCC Consumer Inquires and Complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 

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

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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have equifax to delete the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 

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

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 2022-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: KY

Complaint narrative:
My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report 15 USC 1692 ( a ) The abusive debt collection practices contribute to the number of bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS OF INDIVIDUAL PRIVACY.

15 USC 1692B Acquisition of location information any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- *Identify themselves *NOT STATE THAT SUCH CONSUMER OWES ANY DEBT *NOT COMMUNICATE BY POST CARD *NOT USE ANY LANGUAGE OR SYMBOL ON ANY ENVELOPE OF IN THE CONTENTS OF ANY COMMUNICATION EFFECTED BY THE MAILS OR TELEGRAM THAT INDICATES THAT THE DEBT COLLECTOR IS IN THE DEBT COLLECTION BUSINESS OR THAT THE COLLECTION RELATES TO THE COLLECTION OF ANY DEBT

Company response to consumer: Closed with explanation