vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This complaint is in regard to PayPal. I received an email from PayPal informing me that a new phone number was added to my account. This was XX/XX/XXXX or XX/XX/XXXX XXXX. I didnt add a phone number to my account. I contacted PayPal on the phone as I was unable to remove that phone number. In addition, there were 2 charges on my account I didnt authorize. One for {$50.00} and one for {$25.00}. They are apparently pending charges to my connected checking account. In addition 2 PayPal Mastercards were listed on my account that I didnt authorize. One for {$100.00} and one for {$200.00}. I provided PayPal customer service with the credit card numbers, expiration dates and CVV codes and the rest of the information above. They indicated they would file a case on this and I received an email with a case # and it referenced the phone number problem and nothing else. I eventually removed the phone number myself. Im not permitted to close this PayPal account by PayPal and customer service isnt permitted by PayPal to close my PayPal account for the reasons that there are pending charges to my checking account and 2 open credit cards with associated loans. These cards are fraudulent and the 2 pending charges to my checking account are fraudulent. They referred me to their credit department to inform the credit department that I didnt authorize those cards and they are fraudulent. I cant access that system as my ID info is not the ID info of the person who obtained those cards. In addition, PayPal will not permit me to eliminate my checking account from my PayPal account as there are pending charges to it. I filed an official complaint on the PayPal account on XX/XX/XXXX and they havent responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

Complaint narrative:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.

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 2023-05-04 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Checksystems refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from checlsystems consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet checksystems illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a text about fraud activity. Closed the card immediately. Called and Reported 2 fraudulent transactions and ordered new cards. Company denied my claim despite following directions as followed. I called and spoke with a claims specialist who told me i would need to speak to the merchant directly. She said that because I had other transactions on the account around the same time that I didnt report as fraud, they have concluded that the transactions I reported were authorized by me.

I escalated to a supervisor who told me that the claims were not valid and that if I wanted to escalate further or talk to another supervisor, i would need to hang up and call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

Complaint narrative:
Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it absurd because I have always made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
I applied online for a XXXX XXXX Account with CIT Bank. Within minutes of submitting my application, a pop up appeared that stated Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. I called the bank seeking more information about why my application was denied. The first person, XXXX, told me that it was because my VPN was on and they could not validate my address. I checked and my VPN was not on. I also called XXXX and they remoted into my computer and verified that the VPN was off. I called again, and spoke to XXXX. XXXX said CIT bank could not tell me why my account was denied, and read me a catch-all disclosure statement that didnt reveal why the application was denied. I asked to speak to a supervisor ( XXXX ). XXXX indicated that they could not give me any further information on why the account application was denied. She said my only recourse was to write the bank a letter of complaint. I received no email correspondence indicating a reason either. I understand the FCRA requires the bank to provide me with a specific reason, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have inquiries I dont recognize on my report such as XXXX XXXX credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Truist Bank XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-05-04 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: UPGRADE, INC.
State: TX

Complaint narrative:
I reached out to the bank promptly filed a police report my card was used out of state and in places I have never been. I contacted my bank instead of XXXX XXXX  the dispute they sent me a notice that I made purchases at these merchants which was not factual. 

They sent no information of how they reached this inaccurate conclusion and refused to protect me in this instance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
References CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX I received my response from the company and they are factually incorrect on a number of issues : - they have not acknowledged that the signature on the receipts is not mine and this is fraud. I have provided my passport and driving license to show my true signature- they would not provide me with the contact for service of process and denied this in their response. This was XX/XX/XXXX, XXXX ET on a recorded line - Amex left me one voicemail but I have called numerous times since and continue to be blanked and no one calls me back. Therefore, how am I supposed to resolve this almost a year on- There are multiple confirmations that this case is closed in my favor on a recorded line which they now seem to be backtracking on- they have requested a police report but my lawyer has advised me this is not a good approach since this is 10 months later. I did not report this originally as I believed it was some kind of error, not actually fraud and this did not come to light until months later. Amex never asked me for a police report initially and I believe this is not in good faith to deflect this by asking for this now when they know this is very tough to do almost a year later - Since Amex have never responded to my letters nor my attorney 's letters, I request that Amex provide a contact for my lawyer to get in touch and to provide a contact for service of process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I have bought Apple gift cards from various vendors over the last few months. All the gift cards were successfully redeemed on app store. My current apple account balance is XXXX. On XXXX XXXX XXXX, I tried placing an order on Apple.com and tried using the apple account balance. However, I was unable to place the order. See the attached screenshot ( Error Message-1 ) I tried calling Apple support and they mentioned that my account will be reviewed and subsequently the funds will be released after someone " reviews '' it. I tried placing order on XXXX XXXX XXXX and same issue happened. This time, I received other error message ( Error Message-2 ). The issue persisted on XXXX XXXX XXXX and none of the customer service representatives ( from pre-sales, sales, XXXX XXXX, store credit ) departments were of any help. Today ( XXXX of XXXX ), I spent so many hours trying to use my apple account balance. I received the same error message. However, an agent I talked to mentioned that my account has been reviewed and Apple has decided not to release my funds. He also hinted to file a dispute with credit card. I asked him, what the course of action was since my funds are being held by Apple and I am unable to use it? He mentioned that there is nothing he can do. I want access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
To whom it may concern, Please provide me with all the information you used for your investigation, as required FCRA 611 ( a ) ( 7 ) This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

I am requesting the method of verification for the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX documentation used to verify the dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly.If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I never received any corrospondence to challenge this debt. Ive been threatened with legal action and now the debt is affecting my ability to get a decent job. I would like to settled for negotiation and a pay for delete. I never gave permission for the debt to be sold off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/, an unknown unauthorized person withdrew {$10000.00} from my XXXX XXXX  account and opened an account online at a Citibank. On XXXX XXXX XXXXXX/XX/XXXX discovered the fraudulent transaction and reported it ( with great difficulty ). I followed the bank procedure and had my account frozen. It was determined to be fraud and my money was returned a few days later. 

I have tried to reach someone at Citibank to report that the account opened is fraudulent. The Citibank automated customer service line will not connect me with anyone who can help me. On XXXX XXXX XXXX  my husband and I went to the local branch of Citibank and spoke to a manager. I had an ATM card from Citibank I had received in the mail but no other details about what happened. The manager made a phone call and pulled up a screen showing us the details of the account that had been opened in my name, with my address, with funds from my XXXX account and my social security number. The account was opened on XX/XX/ and on XXXX XXXX XXXX  the thief transferred out {$9900.00}. I did not think to ask for a copy of the details of the transactions such as routing numbers or anything that might help the police or the FBI to catch the person. The manager told us she would close the account and report it as fraud. She said I would get an affidavit of fraud in the mail that I would need to sign and return. So far, I have received nothing. I have no evidence that the Citibank was marked fraudulent nor that it was closed. I can not reach anyone through their customer service line and they have, much like XXXX XXXX, flat out refused to give me a mailing address where I can direct my request. The manager of the local Citibank branch does not return my phone calls. 

I have filed and identity theft report with the FTC. I also filed a limited fraud complaint with the FTC but I have no details about the account to include in the report since I dont have any. I filed a police report as well but since there are no transaction details there is little they can do. 

Both of these banks are very difficult to communicate with because neither of them seems to have a mailing address where they can be reached. Someone needs to stop this behavior and make it easier for ID theft victims to document the case.

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 2023-05-04 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: NC

Complaint narrative:
I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

Complaint narrative:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of XXXX  as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I waited to file this complaint for this long because I was searching for the bank agreement I was given at the time I opened the account which describes the policies and charges I am subject to. 
On XXXX XXXX XXXX my checking account was charged a overdraft fee of {$35.00} due to insufficient funds. 
I called Bank of America asking to have the fee waived, but the customer service representative told me my account did not qualify to have the fee waived. I told the representative my account was set up to decline or return all payments that will cause overdrafts, plus I was told when I opened the account that the account was exempt of overdraft fees, but the representative, apart from emanating a belittling behaviour towards me, refused to refund me the fee. 
Today, XX/XX/XXXX, I found the copy of the policies and charges the checking account is subject to. This agreement clearly states that the bank will not charge any overdraft fees to this account if the " Decline All '' setting was chosen which it was since the first day I opened the account. I made it clear to the bank representative while I was at the branch when opening the account that I did not want any overdraft protection and that I wanted to Decline ALL transactions that will cause me to be overdraft. Then, I made sure that feature was set up in my online banking settings. 
Bank of America charged me an overdraft fee regardless of all my efforts of following their rules to avoid being overdraft. 
I feel Bank of America is taken advantage of me because I am XXXX years old senior citizen who only source of income comes from XXXX which is how my account gets replenish every month. If I were a super rich customer I am sure their representative team would have had a different approach to my request.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an Amex Business Checking account using a mail-in flyer. The flyer CLEARLY said that I had 90 days to make 5 qualifying transactions. As soon as I opened the account, I already loaded the {$5000.00} needed to maintain the minimum balance. Today i had made 5 payments into my Amex BUinsess blue cash card, but the customer service representative said I didn't qualify becuase I needed to make it in 60 days. 

This is absolutely unfair. MY flyer said 90 days. And even then, I'm only 2 weeks past the 60 days. I want my XXXX points. I've held this money without making any withdrawals. 

Why didn't I get any kind of notification about my time running out if this was the case? Ive been a loyal credit card holder for 7 years. 

It seems as though they expect you not to get your signup bonus while they get to hold on to more deposits.

Company response to consumer: Closed with explanation