vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX is debiting my bank account without permission and in what seems to me unethical at best, possibly illegal. 

After 12 years using Paypal, they " permanently limited '' my account for reasons they refuse to disclose. Hundreds of thousands of dollars of business transactions were done over the years. Frustrating to not even know why this happened. 

First complaint, they have basically seized {$43.00} left in the account for XXXX XXXX ( XXXX ) and claim they will only release it after 180 days. XXXX MONTHS! 

The real issue though is that on the XXXX of XXXX I had transferred {$260.00} to my bank account with XXXX XXXX. This was the proceeds of sales activity, minus all Paypal fee costs. I do not owe XXXX any money. The {$260.00} cleared my bank and became available as a completed transaction on the XXXX. 

A few days later they terminated my account and then placed into motion an ACH debit for {$260.00} in my bank account. I called them and they basically said while I did not owe them money they could and would do this and hold the money for XXXX months, then maybe transfer it back to me. 

Paypal has no legal reason to do this other than their size allows them to abuse people. They claim it is to protect themselves from non-shipment of sales items or chargebacks, but they also will not allow me to remove the bank account from their site. Any chargebacks would come back to the bank account in any caser so this is a lie to simply take money from people. 

Further, while the {$260.00} ACH shows on my bank account, the charge does not appear on my Paypal transactions. The {$260.00} has been debited from my bank, but not reflected on my Paypal balance nor in the transaction history. They have cloaked or hidden it, which seems almost criminal to me. 

What would stop Paypal from placing ACH charges on my bank account at any time, in any amount? Very abusive. Why is this legal? Help me. I have already filed a claim for fraud with my bank, but as of yet they have not replied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
I have contact each creditor and credit bureaus with NO results I am a victim of identity Theft XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Calls come from XXXX JP Morgan Chase on caller ID. When answered they tell me that my husband has an unpaid balance on his XXXX credit card. They are very pushy and refuse to believe me when I tell them that he doesnt have that card.I have threatened to report them to my states attorney general and hang up. I have also told me to send proof in the mail but it never comes. Then about a week later the calls start again almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NY

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. Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DailyPay, Inc
State: IA

Complaint narrative:
I started working for XXXX XXXX XXXX XXXX in XXXX. When Began working for them, I didn't have any money. So my employment offered a service called dailypayXXXX, which it would lend you half of your daily pay. If I made XXXX dollars a day, the service would lend me XXXX dollars. The rest would go to my bank account. I used the service for my first check. They took XXXX dollars from my check and i received XXXX dollars at my bank. I didn't borrow no more money, the 2nd check out of nowhere, these people took XXXX dollars out of my second check for know reason at all. I called them and their receptionist became defensive. By them taking so much money out of my check i had to use the service for third time. They took double the money out of my check. Finally out of my fourth check, DailypayXXXX just took XXXX dollars out of my fourth check really stealing my money. I went to my employer about this, he is looking into it, and the XXXX XXXX XXXX  told me to contact you guys. I can't pay my bills. I barely can pay my rent. XXXX 's is coming up and cant by anything for my kids. This company is a scam and a thief. Please look into it, I have the proof to show the stealing. If you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX CREDIT CARD- PAYMENT ELECTRONICALLY SENT ON XX/XX/2022 STATED DUE DATE - AE DID NOT POST TILL XX/XX/2022 CAUSING SYSTEM GENERATED LATE FEE {$29.00} AND AN INTEREST CHARGE OF {$59.00} - ON CURRENT BILL WAS CHARGED AN ADDITIONAL INTEREST CHARGE OF $ XXXX ALL PREVIOUS AND CURRENT PAYMENTS MADE FROM XXXX BANK SENT ELECTRONICALLY ON DUE DATE. IN SEVERAL CONVERSATIONS WITH AE THEY WOULD CREDIT THE LATE FEE BUT DID NOT APPEAR ON CURRENT BILLING. 
XXXX XXXX XXXX ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
As astra put a collection on my credit reports on XX/XX/XXXX the debt was signed with XXXX XXXX  on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. XXXX XXXX any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make XXXX XXXX show there records to prove that in court. but let assume they did after XXXX months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not XXXX maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it XXXX XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

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 2022-11-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XXXX XXXX 2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-11-22 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XX/XX/2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received the following email from Citi on XXXX 
I funded the account with $ XXXX on XX/XX/XXXX. I left the $ $ in the account until XXXX. This is 70 days. I also kept a credit card and debit card with them for the same 70 days. 

I am, by their table, due $ XXXX. They are now unsure if they will be providing me with the $ XXXX. In the past, I have had several chats with them and well as phone calls. I left the money in their bank an additional 10 days beyond what they originally said was required. I followed all instructions their chat group in XXXX indicated that I needed to follow to receive the $ XXXX. Now, they appear to be balking at owing me. I believe they have CLEARLY committed fraud. PLEASE HELP ME! XXXX XXXX XXXX XXXX CITI OFFER IN MY EMAIL ON XX/XX/XXXXXXXX 


" Do more with Citi, get more from Citi Get great benefits with a Citi checking account and earn a bonus of up to $ XXXX with required activities XXXX XXXX with your Citi Custom CashSM Card, you already get benefits like acceptance at 70 million locations and {$0.00} XXXX on unauthorized charges. Now you can manage your card and checking account together to simplify your life, and earn more with this special offer. 
Don't wait this offer expires on XXXX XXXX XXXX  See Offer Details Offer not available in branch Earn up to {$2000.00}. 
Here 's how : Apply for a Citi checking account* Within 20 days of opening, deposit required balance ( see chart below ) in NewtoCitibank Funds Maintain required minimum balance after account opening for an additional 60 consecutive days Your cash bonus will be deposited to your open, eligible account within 30 days after you complete all required activities. 

You must also have a Citi credit card from the time you open your account until you complete your Maintenance Period. 

You must have received the offer directly from Citi to be eligible to participate in this promotion. 
Participation does not guarantee eligibility. ''

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 2022-11-22 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: IL

Complaint narrative:
Although XXXX, XXXX and TransUnion did remove " some '' of the unauthorized accounts and inquires, a few more remain.

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 2022-11-22 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: IL

Complaint narrative:
Although Equifax, XXXX and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit bureaus will not allow me to access my credit reports online or by phone.

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 2022-11-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Spoke with MIDLAND CREDIT MANAGEMENT in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Chase, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, chase did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus will not allow me to access my credit reports online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
I have contact each creditor and credit bureaus with NO results I am a victim of identity TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation