vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
my PayPal account was permantenly limited in XX/XX/2021 I received a message that I can withdraw my funds after 180 days the time has already passed but no change to withdraw the money I called costumer support several times and each time I get a different reply one person even told me that there is no rule that after 180 days I will get my money? 
what kind of scam is this? I have received only transfers from family and friends and PayPal wont give me my money now? first customer support told me on the phone I need to wait 180 days, after 180 I was told I need to wait 1 more month. after that I called they tell me in 2 days I get an email to access my money. and now still the same I have no access to my money and they owe me XXXX USD and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
At the end of XX/XX/2022, Comenity Bank apparently went through some kind of system update. Since that time I have not been able to use my XXXX XXXX. I have called and spoken to different reps who tell me they arent sure when my card will be able to be used. Ive messaged them privately on their XXXX page and commented publicly on the page - and continue to get the same automated response. Anytime I try to use the card it gets declined and I get a text that says declined for user lock control. I have never locked my card and when I check the account online it says the card is unlocked. I tried to make an online purchase at loft.com by giving the rep my card via live chat, and even they couldnt figure it out and I had to use another card ( where I wont get any rewards points because that is the whole point of using the store credit card in the first place ). If you look at Comenitys social media youll see that hundreds of customers are having the same problem. This is going on over 2 weeks now with no information about when this will be fixed and customers are not being updated at all! I work in the financial industry myself so I know this is unacceptable to not notify your customers of a system wide problem or be accessible to provide real answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My debt is regarding a " Cleaning Fee '' in the amount of {$490.00} USD that is apparently owed due to my move-out. However nowhere in my lease contract states such cleaning fee or amount. I would have taken that in mind before even signing the lease, and make my own decision on to move in or not. I turned in my Move-out letter accordingly 60 days early as I was not renewing my lease. My Lease contract ended in XX/XX/XXXX, and I left the apartment in the same condition I moved-in. I'm a student and I had very little pieces of furniture. After receiving emails about the amount owed which at first was in the full amount of {$660.00} USD. I contacted the credit agency and asked what the fees were exactly. They weren't unable to tell me because they were waiting for a document to be submitted to them from the Apartment Complex. I contacted the apartment complex, and they weren't aware of anything. I called the Debt agency again because they had promised me they were going to once they received the itemized charges. They finally sent me a link were I was able to sign up and see what the charges were. I told them how outrageous and how there was no way I was going to pay some " cleaning fee '' when I know how I left the apartment. Also, taking in mind how the contract never disclosed such fee when you move out. I agreed to pay the other charges because they made sense to me, since on my last month living there my rent seemed to be a smaller amount that what I was usually paying monthly. So I went and gave them my credit card number and paid the other fees, which were mainly for Amenity fee {$0.00} USD, pest control {$7.00} USD, tenant rent {$61.00} USD, utilities admin chargeback {$12.00} USD, trash recovery {$11.00} USD, valet waste {$1.00} USD, sewer recovery {$23.00} USD, and water recovery {$50.00} USD. totaling {$160.00} USD paid on XX/XX/XXXX. I kept telling them that I was disputing the {$490.00} USD " Cleaning Fee '', because that was not part of the contract, and also because I left the apartment in the same cleaned condition I moved in to. I have contacted the Debt agency and they aren't able to do anything to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
The realtor has terminated the contract for the XXXX XXXX XXXX IL house. Due to the lender being unable to finalize the loan. XXXX I have to say that I am disappointed in the unprofessional, chaotic way in which this loan was handled. Documents sent, never seem to be put in the correct file. There was a cancellation of file # XXXX that held documents not transferred to the new # XXXX file. Resulting in missing information, or miscommunication of documentation already sent. Then the Appraisal was done when there should have been a recount of documentation first. Causing me to loose my XXXX XXXX dollars towards the purchase, of what looks like a loan that was doomed to be denied. Shouldn't have the XXXX been determined during precertification? Resulting in a waste of time for the Seller, Realtors, and myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau My Rights Have been Violated I extended credit to XXXX for a XXXX Vehicle which was done on a Retail Installment Contract in 2018. Studying Truth In Lending Act I now realized my rights have been violated and this has caused me financial stress as well as financial hardships. 

. This car dealership has taken my open-end credit utilizing my social security card and sold it to American Credit Acceptance . I am not a borrower, I am the Original Creditor and the Lender, and the dealer misled me to believe that they were extending me a line of credit as the borrower. My Security Interest secured this obligation even before the car was pulled off the lot. 

Pursuant to Us Code 1692 This retail Installment Contract is deceptive and unfair and operated under the FDCPA, this grave error has caused a financial burden on my family as well as my marital instability. American Credit Acceptance has allegedly obligated me to be responsible for this debt.

The Cash Price of the Vehicle was {$19000.00} with fees associated increased to {$21000.00} with a cash down payment of {$1100.00}. I have made over {$19000.00} dollars and this company is requesting I continue to pay {$20000.00} more. 

I have received multiple calls and letters, and this has caused me complete embarrassment. 

Pursuant to FDCPA 1692 ( a ) ( 8 ) A Consumer has jurisdiction over everything.

As Follows Pursuant to 15 USC 1692 d My Consumer rights cont. : to be violated, A debt collector in collecting a debt, may not harass, oppress, or abuse any person 1.Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 

2. The use of Obscene, Profane, or other language that abuses the hearer or reader 3. Annoy, abuse or harass persons by repeatedly calling their telephone number or allowing their telephones to ring continually.

These are just a few Violations of my Consumer rights.

In Closing Thank you for taking the time to read my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I call the credit cards company I told them that I never open that account that somebody use my information to open the account. 

They say that I need to pay, I told them no! because somebody stole my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: AK

Complaint narrative:
This company robocalls our landline number to attempt to collect a medical debt owed by an individual who does not live here and has not lived here since 2020. We have answered the call and indicated that the individual does not reside here, is homeless somewhere in California, and continue to call. They purchased the debt from the Emergency Room physicians who operate the ER at XXXX XXXX XXXX XXXX in XXXX, Alaska. 

The company is Optimum Outcomes, INC they purchase debt from medical providers, including XXXX XXXX physician operating companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
Pay for discover identity theft protection had a issue with identity theft and compromised bank account. They havent taken any steps to remove the charges just keep billing your he account that was removed and compromised. Have called several times all the gave me was a reference number that means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.

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 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 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 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 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 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 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 2022-07-16 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:
XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
The company Harris and Harris has repeatedly called my home phone number XXXX on a regular basis. It took me a minute to figure out how to block the number on an old handset. They mustve called at least 3-5 times a week and left a robo message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/2022, I purchased what was advertised as a garden project book but turned out to be a book about bugs and the company enrolled me in a membership ( with a week free trial period ) without due notice ; I received an email confirmation of the enrollment and upcoming {$39.00} charge. I notified the company about the book not being as advertised. Then I called Chime same day at XXXX to dispute the charges as they were not what I purchased as well as block future charges from the merchant. I was bounced to 3 separate representatives. The last representative did not understand XXXX or did not LISTEN. I told him that I wanted to block the merchant so they can't charge me for a membership. I told him several times that the merchant will try to charge me in a week after the alleged free trial ends. He wouldn't listen and kept looking to History of my account for a charge of {$39.00}. I had to tell him several times that it would be a FUTURE charge by the same merchant from whom I bought the book. He still couldn't understand and kept saying he can't find the charge for {$39.00}. I finally asked for a supervisor who spoke XXXX. This employee hung up on me and refused to block a merchant or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2022-07-16 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: CO

Complaint narrative:
XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act XXXX  account 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

Company response to consumer: Closed with explanation