vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of identity theft. 

Two accounts were opened with Bank of America using my address, social security number, and a partial fake name. 

Bank of America did not verify the identity of the person opening the accounts. 

I have been trying since XXXX of 2022 to close these accounts. Only one of them has been closed. Every time I call, I'm told they didn't get the paperwork I keep faxing them or they're investigating the account and can't close it. 

I want this account closed. I never opened it. Bank of America is not doing anything about their mistake.

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 2023-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I spotted some un-authorized accounts and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
I have been disputing an account which belongs to XXXX XXXX child support services with Equifax Credit reporting Agency and they claim they had verified the info i had called them previously regarding this and they did not do anything about it I had called XXXX XXXX and they told me it should fall of my report asap but its been almost 4 months since my case was transferred over to XXXX XXXX child support services. so now it says i owe money to XXXX XXXX which is XXXX and owe money to XXXX XXXX around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.

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 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I opened an account with Cash App in XXXX. This account was linked to my cell phone number at the time. I had my paychecks with my employer set up for direct deposit into this account. Sometime after leaving my job in late XXXX, this cell phone was damaged beyond repair. The old phone number is no longer in use. 

In XXXX, I rehired with this employer. I set up a new account with Cash App. Before I could give that information to my employer, my first paycheck went into my old account. 

I have contacted Cash App customer service multiple times. The funds went through to my old account as my employer did not receive a notice of returned funds. I was told by the Cash App Rep that they tried to transfer the funds from the old account to my new one, but they were unsuccessful. I do not remember my password to my old account, and they tell me they can not reset it without sending a text to the old number, which is no longer in service. They told me on the first call that I would get a call from a Cash App Supervisor to further assist me, but that did not happen. I was told that again on a follow up call that I placed, and when I pressed to speak to someone now, the Customer Service Rep dismissed me and ended the call. 

At this point, I am seeking to withdraw my funds from my old account as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: PA

Complaint narrative:
I am writing this complaint to EXPERIAN. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that 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 an account without my written instruction

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 2023-05-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my lively hood. These inaccurate account are causing me XXXX and stress and its prohibiting me from receive a good good to feed my family. 

1. The following personal information is incorrect Employers : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete from consumer report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete from consumer report 4.Inaccurate and false RESIDENCE ON MA Account Number : XXXX Delete from consumer report 5. XXXX Inaccurate and false Account Number : XXXX Delete from consumer report 6. XXXX XXXX  Inaccurate and false Account Number : XXXX Delete from consumer report 7.Inaccurate and false XXXX Account Number : XXXX Delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

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 2023-05-02 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:
There is a bankruptcy reporting on my credit file and XXXX XXXX XXXX XXXX is listed as the furnisher. That information is inaccurate as the bankruptcy court does not verify or validate information.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have always made timely payments on this account and it is causing me great XXXX to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

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 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Went to a XXXX store on XX/XX/2023. My car needed XXXX XXXXXXXX repairs and as a XXXX XXXX, I dont have that much money. The manager told me to scan a code on a sign in the store. He even helped me apply on his computer. He told me I was approved for {$2700.00}. I told him to do the work. The loan documents werent printed out until the work was done and I was checking out. The interest rate was 178.99 % and the installments were {$440.00} for 12 months. The name of the company is Easy Pay Finance aka as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX. 
There was a 90 day grace period in which the fee was {$40.00}. I had to borrow money to pay this outrageous loan off. I never wouldve allowed the work to be done if I knew the terms of the loan beforehand. I realize I was at fault for not asking to see the documents before the loan was applied. I am having trouble paying the amount of the repair back since I am retired on Social Security and a very small pension. Any help would be appreciated. This total usury of a XXXX XXXX 
The name of the store was XXXX XXXX XXXX XXXX XXXX NJ XXXX The repair was performed on XX/XX/2023 and the amount of the repair was {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX I attempted to send my brother XXXX dollars through cashapp. A app where you can send money fast to a person. In paying off a credit bill to my mother and she changed who to send the money to. It was XXXX XXXX  Hawaii time. He said he did not get it. Plus to get it right away there is a XXXX dollar charge. So at XXXX I sent XXXX dollars and he said he did not get that. So at XXXX I sent XXXX again and still he did not get it. I tried again but cashapp cut me off. So I told my brother I would try the next day. On XX/XX/XXXX I tried again but this time I tried with a different debit card and when I applied it the other card said it was the same bank. That is impossible. So that's when I knee something was wrong. I took that card down immediately and checked my bank and my money was not there, a totally of XXXX dollars. Cashapp has given me XXXX dollars back. But I'm having a hard time getting XXXX dollars back. Twice they told me they sent me XXXX and almost XXXX dollars back but when I called my bank they have not receive my money at. I feel they lied to me twice. I've called numerous times and emailed numerous times and I need extra help. My bank is not helping at all. I asked them for a letterhead of the month of my statement and they sent me nothing with cash app charges in it. I was very mad about that plus they made me wait until the XXXX of the month to get and nothing is on it that I can us. But I have screenshots of everything. I can prove everything I say. 
If anything, this company is bad for business, when they gave the XXXX dollars they put it in my bank then they took it out of my bank. XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Subject : Account Suspension Appeal Dear PayPal Team, I am writing to appeal the suspension of my newly registered PayPal account. I was surprised to learn that my account was suspended shortly after I registered for it, as I have never used the PayPal service before and have not had the opportunity to engage in any suspicious activity or policy violations. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I am eager to use PayPal to conduct safe and secure online transactions, and I am confident that I will abide by all of PayPal 's policies and guidelines. Therefore, I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I received notification from XXXX that I have a new credit card w/ Destiny Master Card. 
I contacted XXXX and told them I never applied for a new credit card. Today I received A bill from Destiny stating I owe {$59.00}. I never applied for this card. I need to know that this inquiry and credit card will be removed from My credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX. 

Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue. 

Please help Thanks

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 2023-05-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 tmy family and I were looking for a new dentist to try out. We went to XXXX dental group and on my first visit, they signed me up for a care credit account. However, I never signed the original documents, authorizing the treatment plan or the terms of the care credit account. Care credit prepaid this dentist XXXX XXXX {$9600.00} in advance for dental work that He never did on me. I have contacted the dentist and care credit numerous times. I have disputed the charges with care credit three times over the last year. I have submitted documents, proving work was not done and the original merchant copy documents unsigned and unauthorized.. Care Credit is aware this dental work done on me and have seen my documentation However, they told me they can not force the dentist to give back the money. in the meantime, I am getting monthly bills for interest and. late fee charges and watching my credit rating go down the toilet. I had one procedure done there, which I am willing to fully pay.. my insurance already paid him XXXX after my first visit I decided he was not the dentist for me and my family and I never went back. also, during the dispute process, this dentist submitted falsified documents with my forged signatures.. I have the original unsigned documents in my possession, which I will submit. Trying to resolve this matter, XXXX XXXX only wants to refund {$4900.00} of the $ XXXX me {$7200.00} for XXXX visit including {$3000.00} insurance payment. He charged me for 3 procedures he never did @ {$550.00} x 3. I have told XXXX XXXX that I am willing to pay for the legitimate procedure he did on me.. according to XXXX XXXX XXXX billing statement. I owe {$1500.00} including the insurance payment of {$3000.00}.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX, To : Consumer Financial Protection Bureau, This letter is to inform you of my current situation with CitiBank. Since XXXX, I have held a CitiCard master card. I never missed a payment, not even during the pandemic. Some of my background information. I opened my private practice, and my mother died last year. During that time I reached out to Citibank to increase my credit limit to cover all of the expenses. I received a slight increase in my credit limit. Meanwhile I continue making monthly payments on time even though I had a card balance. Based on all 3 credit bureaus, my bills are paid on time and I have no delinquent accounts. 
In XX/XX/XXXX, I received an email from Citibank ( Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXX XXXX  stating that based on information provided by XXXX, the company drastically reduced my credit from XXXX to ~ {$17000.00}. To add insult to injury, my credit rating with XXXX dropped from XXXX to XXXX. My credit usage went from XXXX to XXXX in less than 30 days. Moreover my credit rating from all three credit bureaus XXXX, XXXX and XXXX went down considerably. Please keep in mind that my credit ratings from all three credit bureaus were in the upper XXXX for the past XXXX. I called Citibank in XXXX and XXXX to complain about the change but without success. These are the reasons why I am now reaching to you, the Consumer Financial Protection Bureau for assistance. As you know, a drop of XXXX points in my credit score will put me in a bad light with prospective lenders, and other reputable companies that want to do business with me. It may even prevent me from obtaining grants or loans for my private practice. I am not asking for a handout ; rather I would like Citibank to reinstate my credit limit to {$24000.00} and to inform all the credit bureaus about it. I am surprised at the way Citibank is treating me, a long time business partner who continues to pay her bills on time. I sincerely hope that you, the Consumer Financial Protection Bureau, could assist me in this matter. 
Best regards,

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

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