vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NJ

Complaint narrative:
My Direct Express was charged {$1000.00} for a XXXX. Direct Express never contacted me, it wasnt until my card was declined that I learned about the charge and that I was overdrawn by {$200.00}. 

I contacted the vendor and they informed me they had already submitted a reversal, but it is not showing up XXXX my account. 

I have called Direct Express and have currently been on hold for 7hours total ( this is literal ). After the first 4 hours a rep answered, she saw the charge but needed to transfer to another department Ive been on hold with them for 3 hours. 

Direct Express does not have an email option, another phone number or online chat. The website says we can write them a letter. The same site says to dispute a transaction I must notify with 2 days to ensure the maximum amount I will lose is {$50.00}. 

I also called Comerica Bank ( the parent company ), there advise was to call and not select any options, I tried that and I was disconnected. 

How is it legal to provide no options when a persons money is involved? I am legally XXXX, I receive XXXX XXXX  monthly from XXXX, I dont have spare money. I am literally without a dollar until this is settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I late XX/XX/2022 my phone was hacked. Resulting in my XXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, XXXX purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negativr balance of {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE XXXX XXXX CREDIT CARD BUT EXPERIAN IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.

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 2022-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, Equifax, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My Equifax shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, XXXX, and Experian. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. Experian shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them.

Your service is appreciated.

God bless,

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 2022-11-04 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: TX

Complaint narrative:
On XX/XX/XXXX, I received a welcome letter from XXXX XXXX XXXX congratulating me on my {$4500.00} credit limit. Account # XXXX, opened XX/XX/XXXX. I did not received a card or any other information. This is not my account. 

On XX/XX/XXXX, I checked my credit report, and saw that {$3100.00} has been charged on a XXXX XXXX XXXX Credit Card. There is a {$3200.00} credit limit. I was informed that this was an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.

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 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2022-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 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 2022-11-04 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  - Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2022, I made a purchase to XXXX XXXX XXXX using a paypal account, pay and XXXX loan. I paid cash in 4 installments via my paypal. There was an ongoing dispute with the retailer that was eventually resolved and a refund was issued by XXXX to Pay Pal for XXXX under transcaction XXXX. The issue is that the refund went to a closed paypal account under the same email and phone number as that paypal account that the original pay and 4 purchase was made was closed for security reasons in XXXX. Pay pal sees the refund and acknowledges it but for some reason they can not seem to either transfer the funds or credit to the new and open paypal account, issue a check or send the refund back to XXXX and bascially are keeping the funds. I have logged in hour and upon hours on this issue with no success or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IN

Complaint narrative:
on or around XXXX XXXXXXXX | saw a lot of pre approvals on credit karma at first I didn't pay it any attention but credit karma kept sending me all sort of pre approvals telling me that I was pre approval for credit card home mortgages and personal loans and the I can refinance my car every day I would see these offer everyday Togged in to check my credit score so after a few months of being told I was pre approved I thought that was in the perfect place to apply I got so many offers threw credit karma I starting telling my family about vacation and investments that we were goin to use these pre approvals for. so I finally applied on or around XXXX for 4 credit cards and 4 personal loans I Was distraught was very very angry and I felt deceived I was marketed to for months by credit karma. They told me I was pre approved this was a lie. I was serverly stressed out I was nauseous for weeks I had XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX now every time I immediately close my phone and shut shut my computer off. This has made me so uneasy and XXXX that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX i got an alert new account was opened with capitol one. The credit limit was XXXX the balance is XXXX. They use credit wise so this is who the alert came from on my capital one app. I'm trying to get a new home now this it also stated my social security number was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has opened one savings account XXXX XXXX XXXX Banking without my request. I told them but they have not closed the account. Now, I received another email for another application for another savings account. No deposits have been made in the initial one which makes me believe this is something the bank did, but Im not sure the benefit. I just know XXXX XXXX did this to their customers.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. Attached is the ftc report Portfolio recovery XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 my credit card was fraudulently used in a different state for a purchase of {$1100.00}. I was notified of unusual charges on my account by Wells Fargo ( card issuer ) the following morning. There were a total of 4 attempted transactions and of the XXXX, XXXX of them were declined by the card issuer as they suspected fraud. I confirmed that these charges were not mine as soon as I saw the alert and the issuer immediately removed them from my account. After completing what was supposed to be an investigation, the bank made me aware that they believed those transactions were legitimate and were completed by me. Called back again letting them know of the apparent error and they proceeded to reopen another claim. To my surprise this and the subsequent investigation were both closed, informing me that, because I had my credit card in my possession, they must have been me and the charge was reinstated to my account along with interest on the charge. In several recent conversations with the fraud claims department I have ask for this to be escalated, I was assured I would receive a call within XXXX4-48 hours from the executive office, as they have the ability to look further into a claim. It has currently been over XXXX hours. I called in again this evening to check on a status of the request. I was told that it is only assigned within XXXX hours ( which would have been yesterday ) but this was not assigned to anyone yet and to call back Monday and hope it has been assigned. I was hung up on after that. I am only requesting that the bank actually looks into this claim far enough to see that this charge is fraud and remove it from my account along with any interest that has accrued. I have filed a police report in regards to the charge and a detective has the receipt from the transaction. I am out of options and am exhausted from the bullying of a customer by my own bank.

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 2022-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sent me an Email saying my card ending XXXX is expiring soon & on XX/XX/2022 new card was mailed to my address. 

On XX/XX/XXXX XXXX fraudulent charges were made to my account for a total of {$3900.00} from a card that I never received. 

I immediately called the Bank of America 's fraud department to report the first charges which were {$700.00}. While I was on the phone, XXXX additional unauthorized charges were being made to my account. I was informed that the bank will review my claim & follow up with me. The aforementioned card was closed and a new one was issued with a new number. 

On XX/XX/2022 a letter was sent stating that my claim has been reviewed but unauthorized charges were not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bought tickets to a concert through XXXX pre-pandemic ( XXXX XXXX  amount of XXXX XXXX date was XX/XX/XXXX and XXXX XXXX  amount of XXXX scheduled date was XX/XX/XXXX ) using my debit card from Wells Fargo. Account was closed XX/XX/XXXX. Due to the pandemic concerts were canceled. XXXX issued refunds on XX/XX/XXXX ( amount of XXXX ) and XX/XX/XXXX ( amount of XXXX ). To this day both XXXX and Wells Fargo claim they dont have the funds.

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