vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have had a Discover Card since 1989. I have never missed a payment. Discover closed my account due to inactivity even though I made a purchase and paid in full as they requested. I called customer service and was told there was nothing that can be done. The supervisor, XXXX, did nothing to find out if there was a simple reinstatement process. I feel as though I have been an outstanding customer and complied with their rules and they closed my account and affected my credit score as a result because now the age of my credit and credit lines have become reduced. After a number of calls and a letter they refuse to reinstate my account. I have done nothing wrong. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

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 2022-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Just reporting a scam phone call from this number, XXXX, XXXX XXXX, XXXX saying they are from Bank of America EDD debit card asking to reactivate my card to avoid loss of balance and permanent closure of my account, asking for me to text my account user name and password to the above number within 5 hours. 
I know it's a scam, just wanted to report, 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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
-On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license. 
- I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX  2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued. 
- On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''. 
- On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued. 
- On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Transunion and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove Inquiries and Accounts, XXXX XXXX XXXXXXXX Inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX date opened 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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX I always go on line to pay my bills at Bank of america. 
that day they were updating website. so as usual I setup up to pay my bills after XXXX XXXX is when my check come in. 
not realizing that as I had set it up something happened. 
I was getting emails of insofiance funds in my account. 
XXXX XXXX Friday. 
so I made the appointment to the bank, and I spoke to Reprehensive at about XXXX XXXX she called accounts transfer in the bank, they could do nothing because they were still transferring from accounts. 
the bank want to know if I still had the credit card from bank. 
I said yes, its at home in draw. wanted me to add the ove drawn on to my card for me to pay for their mastakes. I said Im not paying for your mistakes. 
so Ive set up another appointment for XXXX XXXX to see if they have corrected this problem. 
its been very unsetting. 
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 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I made a transaction through PayPal to purchase software in the amount of {$2500.00}. Within a few hours I was alerted that the seller was using counterfeit software and I requested a refund. On XX/XX/XXXX they issued a full refund. It was just hours apart that these transactions happened. According to PayPals help info when this type of charge/refund happens close together they try to cancel them out so it doesn't even happen. Even though PayPal could see that a refund was issued they showed the charge as pending on the XXXX, nothing in my bank on the XXXX, ( I assumed they were cancelling out the whole thing ) yet, on the XXXX they withdrew the money from my account. It is now 5 days since the refund was issued and it is not back in my bank account. My phone says that the refund is completed this morning yet there is no refund in my bank! Nothing pending. On PayPal it says it's completed. They tried to say that they paid for it with their money. Here is what they said - '' But if you see, the payment you sent was funded by your bank XXXX, it takes 3-5 business days for bank ACH transactions to reach us, so PayPal provided you with an Instant Payment option, which means PayPal paid your recipient instantly so they got paid right away, and then we are waiting for the funds from your bank. But while we were waiting, you have got the refund from XXXX. So the refund is now in pending status. Once we get the funds from your bank for the initial payment, then the refund which is now in pending status will automatically gets credited back to your bank. As you said the funds were already cleared from your bank, I request you to allow it some time and you will sure get the funds sooner. I appreciate your understanding and patience. Thank you. '' I believe this is confusing to any consumer as they are saying that I chose instant payment option. I just paid an invoice that was sent to me. The payment showed in my bank almost immediately as pending, why is PayPal using their money when the transaction is coming out of my bank? PayPal is holding my money and using it for days without refunding me properly. It has hindered my ability to use these funds to purchase the correct software for my business. And I believe they are purposely holding it back now because I have complained to them. I have used PayPal in the past and I have received refunds much quicker for small amounts. It seems to me that they are holding larger amounts as long as they can. I believe you should investigate how PayPal is operating with refunds etc... Not just for this complaint, but for all the people who use this service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
TRS sent me notifications about companies I owed. I filed bankruptcy and sent my discharge to TRS. They refused to remove the debt I had with XXXX, XXXX, XXXX, XXXX. 
I then mailed in money orders to TRS to cover Returned checks and fees. I called TRS to inquire why none of these items had been removed. I was transferred to the legal department and was told by their attorney, that they dont have to remove my debt. Even though I filed bankruptcy and paid others. She the attorney said according to Georgia law, they can keep the debt on my record for ( 7 ) years. And there was nothing I could do about 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 explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Have a car financed through westlake financial that become due on XXXX XXXX from that date I received seven phone calls from then to XXXX none of which left a voicemail any time. Never been late on a payment in almost XXXX years and when I asked why I got 7 phone calls that were only few hours apart the person I spoke to claimed there was no way got called that many times basically calling me a liar. Not sure if there is no communication within this company but XXXX phone call a day is plenty specially if dont leave message to why you are calling

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 2022-08-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
Disputed XXXX XXXX XXXX with experian this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
There were unauthorized transactions on my account and I reported them promptly and had my ATM card cancelled and ordered a new one. Regions bank denied me of receiving a credit back toy account for the money that was stolen. I made a police report. I tried to help as much as I could only to find out they gave me the wrong fax number. And closed my claim without returning my money which is clearly taken by fraud. I made my initial report on XX/XX/2022. They still are not trying to communicate with me at all.

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I XXXX XXXX XXXX disputed this debt XX/XX/2021 thru the credit bureaus. It came back noted it was valid and accurate. Around this same time XXXX XXXX XXXX noted me and my mother shouldn't be charged the over {$1900.00} listed but {$180.00}. This hasn't been reflected on XXXX, XXXX, or XXXX files. I am still in XXXX  and this has been detrimental to my quality of life. I want this correctly so I can pay this off and move on with my life. This has been a knife in my side for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Disputed eastern account services with XXXX  this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been having issues with opening several banks not having the ability to open an account after my bank sent a letter XX/XX/2022 stating my account would be closed on XX/XX/2022 however the account was closed XX/XX/2022. The bank lady where I tried to open the account states the XXXX XXXX for consumers had negative things and my risk factor to ope an account was over XXXX. When I spoke to fifth 3rd rep. He state my account was using XXXX too much however they didnt report. I also found out I am part of XXXX  data breach. My complaint is now I am unable to get certain credit and I want my identity back. There is something on XXXX XXXX stopping my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 This inquiry was not authorized by me.

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 2022-08-26 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
In XXXX, XXXX I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, DMI aka Dovenmuehle Mortgage , Inc. to request their participation in the program. In XXXX, XXXX I was notified by DMI that they would agree to participate. I was approved for assistance in XXXX, XXXX and a payment was made to DMI in XXXX, 2022. At the time I applied for assistance and notified DMI, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, DMI began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXXXXXX XXXX  The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted DMI and are claiming that DMI is refusing to correct my credit report. Please contact DMI and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACCOUNT NAME : ACIMA DIGITAL FKA SIMP ACCOUNT NUMBER : XXXXXXXX XXXX | XX/XX/2020 Inquiry

Company response to consumer: Closed with explanation