vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: PA

Complaint narrative:
I was unable to log in to my PayPal account for no reason last yearXXXX and received an email from paypal told me that some activity on my account that didn't match my usual activity. they are concerned someone may be trying to use my account without my permission. I changed my account password as they requested and they told me that Access to my PayPal account has been restoredXXXX, but when I logged in my account, I was asked to submit proof of identity. I am a XXXX living in the XXXX, and I often need to ask for help from merchants to buy some goods for my families and friends in my country, and I also need to find someone to help me with some financial transactions in my own country, this is not an unusual activity nor is it a hack of my account. PayPal has unreasonably and recklessly restricted my account, which has caused me a lot of trouble in my life and study. PayPal is a big company, and its influence in the United States and even internationally is huge, so it should be more responsible and can not be so XXXX and lack of judgment, because XXXX of their miscalculations will I hope that PayPal can restore my account so that I can conduct transactions and live normally, without my PayPal account, a lot of my daily life has been put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I discovered on XX/XX/ that a Chase Total Checking account was opened in my name on XXXX I had received an email notifying me of the account being opened on XXXX at XXXX. After I discovered the email the following day ( XXXX ), I called Chase to inquire if the email could be fraudulent. After providing my SSN, I was informed that the email was real and an account had indeed been opened using my information. They informed me that the account would be frozen and stated that I should contact all 3 credit bureaus to freeze my credit which I promptly completed on XX/XX/. 

Additionally, I discovered that I had also received an email on XX/XX/ at XXXX from XXXX thanking me for opening an account as well as two additional emails from Chase Online Service Team notifying me of my Online Contact change for my address and phone number. 

I went to chase bank on XX/XX/23 to complete their fraud packet and get more information about the account to provide to the police for their investigation. I worked with banker XXXX XXXX ( XXXX ). There I was told that I could only be provided with the account number but no other information about the account ( address or telephone number on file ). I was told to provide number of the banker to the police who could then be given this information. 

I then went to the local police department in XXXX, SC on XX/XX/23 and began the process to file a report of identity theft. I initially spoke with an officer XXXX and an investigation report with case number XXXX was created. I have since been in contact with Investigator XXXX who has been trying to contact Chase banker, XXXX XXXX to provide additional information about the fraudulent account that could not initially be provided to me. Since our last communication, he has still not been able to speak with banker XXXX. 

I also requested a credit report from XXXX and discovered a phone number associated with my credit that I did not recognize ( XXXX XXXX XXXX ). I have since disputed this contact information and have had it removed from my credit report. On this credit report, I also noted several consumer report views/soft inquiries of companies Ive not had any personal dealings ( XXXX XXXX XXXX XXXX JPMCB, XXXX XXXX XXXX XXXX XXXX ). I do not have any hard inquiries on my credit report or potentially negative items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/1990 Account # XXXX Ally Financial XXXX XXXX XXXX, XXXX, XXXX  XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ).

Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated. 

Please provide a full description of the finance charge, how it is calculated and every charge associated to finance charge fully explained plainly. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX  I placed an order for ( 3 ) {$100.00} XXXX XXXX gift cards through the Citi Thank You Points portal. Immediately after placing this order, I received notice that one gift card was canceled. I then received an email with links to the two remaining gift cards- however the links took me to the same exact gift card ( Rather than receiving two {$100.00} gift cards, I received a duplicate of the same {$100.00} gift card ). 

Trying to resolve this issue through Citi was a very long and grueling process. I eventually spoke to someone in the Executive Office who explained there was nothing that they could do, this was an error on XXXX XXXX 's part, and that they would have to track down the issue. 

I've spent an additional month chasing down this issue with XXXX XXXX customer service. I've spoken to multiple managers in the escalations department. They have submitted multiple tickets for this as a technical issue, and then never followed up with me as they promised they would. Eventually I filed complaints against XXXX XXXX with the XXXX and Attorney General. 

XXXX XXXX finally responded to my complaint with the following - " We send gift cards in bulk to the credit card companies that issue them with rewards. In cases for problem, you need to reach out to the credit card company the purchase was made through. We are not able to find the order for the gift cards. We are only able to look up the gift cards themselves to see the balances and where they were used. This is what the associate that helped you previously did. They found the gift card numbers, not the gift card orders. There is a distinct difference. We are only able to replace a gift card if an order that it was used on is canceled or returned and the gift card was already processed. I apologize for this. '' At this point I really don't care who's fault it is. This has been one of the worst experiences I've ever had with any business. At no time did I feel like Citi has owned this issue for me, they've just pushed it off to the next person. 

Considering that CITI facilitates the purchase of these gift cards using their thank you points, and a CITI branded email delivered the erroneous, duplicated gift cards- I believe this is CITI 's issue to fix. 

I'm sure I am not the first person that has experienced this error, and I won't be the last if this issue is not communicated to a person who has the power to fix it.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
To Whom It May Concern : 1. Bridgecrest reported my account as XXXX  days late for the month of XX/XX/XXXX. However, I scheduled an over the phone payment with Bridgecrest in XX/XX/XXXX, and Bridgecrest never executed the ACH transaction 2. I learned of this XXXX XXXX when I scheduled my XXXX payment online. 
3. Upon learning this, I paid both the XXXX and XXXX payment. 
4. I called Bridgecrest to notify them of the incident and respectfully asked them to remove the XXXX  day late reporting, as it was not my fault that my account was not drafted. Bridgecrest declined recommended that I file a dispute. 
5. XXXX XX/XX/XXXX, I filed a dispute with all three credit bureaus. 
6. XXXX XX/XX/XXXX, Bridgecrest responds, but not only does it not remove the XXXX late reporting, it stated that I was XXXX  days late for the XX/XX/XXXX payment. This is impossible as I made the payment on XX/XX/XXXX and today is XX/XX/XXXX. XXXX  days have no exlapsed. 
7. XX/XX/XXXX, I appeal the decision with XXXX, and Bridgecrest responds the same day with the same response as line item XXXX. 
8. I respectfully ask that Bridgecrest remove all late reporting from my credit reports for the following reasons : 8a. I was late in XX/XX/XXXX, only because Bridgecrest called me to schedule a payment, and after we confirmed the payment was schedule, Bridgecrest failed to draft my account. 
8b. The XXXX payment was not XXXX  days late, and Bridgecrest is inaccurately reporting it as late even after I have requested it to correct this error XXXX times. 
8c. Because Bridgecrest responded with inaccurate information after the original dispute AND because it failed to draft my account as schedule, which caused me to be late on the XX/XX/XXXX payment, all late reporting should be removed. The company has demonstrated an inability to be consistent and accurate, and I as the consumer should not be penalized for Bridgecrest 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CITIBANK, N.A.
State: TN

Complaint narrative:
My XXXX XXXX by XXXXi was closed on XX/XX/22 The card was dated to be good until XXXX A letter was sent to me that I never received but provided during this dispute to me that was dated XX/XX/22 stating I had until XX/XX/22 to use my card or it was going to be canceled. I tried to use the card in XXXX but the card had already been canceled. They refuse to either reopen the account or provide a new credit card account. 
I am not at fault here and their condition was impossible to meet. They are liars and need to be fined.

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 2023-01-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They are not reporting accurate information on my credit report

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 2023-01-14 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: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-14 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: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Finally got a response on when my account will be closed, however in the letter it states that I can move the money in the account yet access to the account won't change ( which is XXXX access since XX/XX/XXXX ) It also states I can request the account be closed before the established closure date of XX/XX/XXXX. However after requesting through multiple channels got told " the account will be closed on the XXXX '' and " oh lets go ahead and wait for the date provided '' completely ignoring my request and explanation that since I can't access the account to move the money out nor do I live close to a branch to do so in person. I just want the account closed and my money returned to me without waiting till the XXXX as we are now past 4 months of me fighting to figure out why and when the account is/was going to be closed for me to recieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: TX

Complaint narrative:
When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX 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 non-monetary relief