vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express says I have a account that I can't access or close account. 
I never had an American Express card through my local tax office and they couldn't provide an card through my tax office because of identity theft someone fraudulent got 1 or more already. I'm reporting I'm a victim of identity theft and tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone opened an account in my name at the bank of america. I caught it on time and asked the bank to close the account and reported the matter to the bank 's fraud department. 

Two weeks later Someone, apparently the same person, accessed my checking account at the same bank and added a new email address and phone number and was attempting to transfer money using XXXX. I caught it on time and froze my account which I subsequently closed and opened a different account. 

I also froze my credit reports out of precaution.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CARD Corporation
State: WI

Complaint narrative:
Card.com closed out my account because I reported identity theft someone fraudulent took processing fees of {$2.00} like every 2mins all day long removed my funds from this prepaid account ending up with almost my entire deposit sent to this account. I contacted the account right away after viewing statement of outrageous {$2.00} & up saying these were all processing fees each time I used my card. But these processing fees were adding up to a 3rd of my deposit leaving me behind in my bills & causing me to become homeless from this terrible circumstances I was never rewarded all these outstanding deductions of processing fees. I wrote the consumer but this wasn't never investigated and they closed my account because I was dissatisfied with service. Agreement clearly stated atm fees only. They couldn't explain why all these processing fees deductions were taking almost my entire deposit from unemployment & last employment deposits were processing fees other then the card.com terms & fees would only be deducted for ATM withdrawal of {$1.00}. 
These processing fees were on all my statements of deductions of {$2.00} & more being taking out my account. Now my account is closed I can't access my prepaid statements anymore. I never was rewarded this major dispute I wanted to be investigated by the prepaid account Card.com they did nothing when this issue needed to be investigated how is anyone able to take out of my account all day like every other minute it stated processing fees even when I didn't access or touch my account for days. My refund was also sent to this prepaid account the same thing took place somehow more processing fees would be on my prepaid statements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 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: PA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08 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: LA

Complaint narrative:
Experian is reporting on my credit file inaccurate information on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX as Seriously Past Due, Balance Past Due Amount {$930.00} as of XXXX XXXX, AND reporting under same Collection PAID OFF.

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 2022-10-08 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08 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: PA

Complaint narrative:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report.

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine.

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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:
NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. XXXX XXXX BANK sold consumers non public personal information to EQUIFAX. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of XXXX XXXX XXXX willful noncompliance to the laws and disregard of consumers privacy rights. unalienable god given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. Equifax breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to XXXX XXXX XXXXXXXX  or EQUIFAX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from GOD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I wanted to raise funds in order to visit my grandparents who are in XXXX. for this reason I did create a paypal fundraiser but as soon as I did receive money paypal did block my account. 
the link to my fundraiser XXXX XXXX XXXXXXXX paypal support claimed that the funds will be available after 180 days without giving any reason why I must wait so long. 
however now the time has passed and I can not access my funds. I believe paypal did scam me for the amount of {$3800.00} please help me recover my funds. this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo wouldn't let me access or close out my old account from XXXX after wanting unauthorized fees and other cards in my name I never authorized. Staying with a friend my identity was stolen XXXX. XXXX Someone fraudulent changed over my account information passcode XXXX where I couldn't access bank statements or investigate identity theft the bank said my account was closed but never closed and a data breaches took place now someone has fraudulent accounts and inquiries destroy my entire credit report. Someone without my permission got access to my debit card & pin unfortunately ATM withdrawal of XXXX whole tax refund was stolen yr XXXX. 
No investigation was done or resolution granted

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 2022-10-08 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Mortgage Research Center, LLC
State: MI

Complaint narrative:
XXXX VETERANS UNITED HOME has ran my credit several times without my consent. on XX/XX/2022 XX/XX/2022 XX/XX/2022.

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 2022-10-08 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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They DO NOT have my permission to report these LATE payments to XXXXXXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXXXXXX XXXX  and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I stopped being a customer of XXXX XXXX in XXXX, and switching carriers my balance was paid and my XXXX XXXX was paid off according to the store in XXXX XXXX Tx XXXX when I recently tried to use my XXXX XXXX it says sim is locked, I called XXXX XXXX to figure out what was going on and they said I owed a balance. I do not owe any debt with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
paypal stole {$11000.00} in donations from me I have used the following donation links provided by paypal XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX this money was supposed to help my business survive during the corona pandemic all the sudden paypal did freeze the funds without any proper explanation. on the phone I was told I will get the money in 180 days. 
when I checked my account I saw paypal did WITHDRAW ALL FUNDS TO THEMSELVES. 
THIS IS ROBBERY! 
ALL DONORS ARE GOING TO FILE CRIMINAL CHARGES AGAINST PAYPAL AND I WILL JOIN A CLASS ACTION LAWSUIT IF I PAYPAL DOES NOT SEND MY FUNDS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
Refinanced my car through Upstart in XXXX of 2022. Had to send my title in from previous finance company. It is now 5 months later and still no title. Reached out multiple times regarding this. Last contact was told title was released to the XXXX on XX/XX/XXXX. Titles in my state come in the mail within 7 days. Purchases a car for my son and registered in XXXX, recieived it in 7 days. I have reached out 3 more times in the past month and Upstart ignores contact without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX my account was hacked and all but XXXX cents was takin from my account Bank of America has denied my claim twice and are being very unprofessional with my claim and or calls it is now XXXX and they still have yet to return my funds to me or send me a new card there have been transactions goin thru my bank I am not making and the Bank will not assist me nor help in anyway because they believe Im authorizing these things

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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an account at Wells Fargo, all my money was not distributed to me. Made a complaint and nothing was handled

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 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I lost my job during the pandemic and couldnt pay for my studies anymore. 
I created a paypal private fundraiser to receive donations however once I did receive money paypal blocked my account and I couldnt access the funds/ donations. 
I was told that money will be available in 180 days now to my big surprise I logged into my account and found out that paypal STOLE ALL DONATIONS I DID RECEIVE THEY PUT A NOTE THAT I VIOLATE USE POLICY? ARE THEY CRAZY???? 
MY PAYPAL FUNDRAISER WAS APPROVED? WHAT VIOLATION? PAYPAL ARE CRIMINALS THEY MAKE UP THINGS TO STEAL PEOPLE MONEY! 
GIVE ME MY MONEY OR NEXT STEP IS THE FBI!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
CMG is cheating me out of the opportunity to remove PMI. I submitted my written request on XX/XX/2022. CMG requested 30 days to review. Fair enough... 

Their response didn't come until XX/XX/XXXX- a full 60 days later. At this point, they simply sent a canned denial letter with further instructions on how to remove PMI ( if you qualify ). I did full bathroom remodels, down to the studs. I am a candidate for an appraisal, based on their rules. I submitted this all in writing on XX/XX/XXXX. 

I called XX/XX/XXXX to check the status of my PMI removal claim. Nobody from the " Pmi department '' takes phone calls at CMG. I'm forced to wait on their proven late responses. 

This appears to be a stall tactic, as the market declines- all the while hurting my chances to remove PMI based on current XXXX ratios. 

All I'm asking for is what's fair - a market appraisal to see if I qualify to remove PMI. CMG is very difficult to work with, and I see many similar complains on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received notification of a hard inquiry made from Capital One and I thought it was strange. About a few days later, I was told I opened up a Capital One Walmart Rewards Card and it was getting shipped to me. I called Capital One right away and reported that as fraud but my XXXX XXXX still went down by like XXXX points based on the hard inquiry.

Company response to consumer: Closed with non-monetary relief