vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi paypal Inc just ban/permanent limited my account here 's the reference number : XXXX I don't why paypal just ban my account without any reason I read their term & condition and didn't see any violation I've done when I ask their costumer support they just telling me they can provide specific reason like huh?? 

Hi paypal you know I have still money in my account and I need that money but you see what have you've done I cant get my money because you ban my account.You see I use youre service because of my business, this is the only way client can pay me but you ban my account! Am trying to reach you out on a phone call but you're unreachable. PLEASE FIX ALREADY MY ACCOUNT. 

THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.

Complaint narrative:
My cash app card kept declined and I cant XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
i am a member of Wells Fargo. My credit card gets charged way too high for " interest on purchases '' and it doesn't make sense, because I'm never late on paying for it. Even my credit score has been lowered!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I reached out to their chat service. I specifically requested in chat to have my debit card turned off. The agent tried to direct me to call in regarding another escalated manner but I simply needed my card turned off. After advising the agent that failing to close my card is a serious regulatory issue the agent advised that they blocked the card. Several days later the debit card was able to be utilized for a digital purchase because the agent did not block the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I disputed one credit card transaction two times with Chase. Chase considered that transaction valid. I feel that it should be not right, as I've never got service from that agent//merchant to whom I paid. In addition this service was paid by two credit cards, one was Chase, second one was XXXX XXXX XXXX XXXX XXXX XXXX considered that transaction as a not valid. The transaction was made at Chase XXXX with XXXX XXXX  XXXX, I but fly tickets via the phone, I paid {$610.00}. When I came to airport next day, I was told by airline workers that my tickets were canceled and money were issued to refund to the agent. I contacted the agent, he told me that they will refund my money back, and they never did. The agent stopped answering my text massages, and when I call they don't answer or he says that they need to check it out and never call back. When I disputed transaction second time I attached evidences as copy of text massages with the agent and screen shot from airlines website which prove that I have never got service, that money was refunded to the agent, and that the agent promised me to return my money and never did. Chase made there decision based on contacting merchant and that transaction is valid because service was available for me or I received service. When I called Chase after that, they told me that they made there decision because the agent provided them the policy that money for service is not refundable. I got fist letter from Chase on XX/XX/XXXX, second letter on XX/XX/XXXX. Please, contact me if you need more information, I have letters from the bank and I have evidences that I have never got service from that merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The debt by XXXX ( XXXX XXXX XXXX. ) for {$64.00} has been disputed by me several times. I canceled my internet service and was told that no charges were owed but they still billed me for the next month. I have never received a response from the debt collector verifying the validity of the debt. This account was closed and charges posted after closure by XXXX. I have disputed the account in writing but I C System has still reported this as a collection account to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I received a text from XXXX saying Bank of America XXXX XXXX : Did You Attempt {$360.00} At XXXX # XXXX? Reply YES OR NO. Case XXXX To Opt Out Reply STOP. I responded No. 

I received a call from XXXX and spoke with XXXX XXXX. I asked for his ID number ( XXXX ). He sent the following text Bank of America : To cancel online username and password send Username/Password/Cancel. I responded with my XXXX He texted this number in a hyperlink : XXXX. I didnt click on this link. XXXX not sure what the number was for. 

I got disconnected once and the called back XXXX. 

He told me someone from XXXX GA was trying to take {$3000.00} out of my account. He told me the safest place to put the money was XXXX because I wasnt sending it to anybody. He sent me a code and to tell him the code I received. That was a confirmation code and I saw {$2000.00} go to XXXX XXXX. I said I thought it wasnt going to anyone and he said That is my supervisor and it will will show back up in your account in XXXX minutes. They then transferred the rest of my balance from my savings account into my checking account. Then they did a second XXXX transfer of {$1000.00}. They asked for the second XXXX code, which I gave. 

We hung up and I was concerned about what just happened. I had questioned him throughout our conversation and was offered reassurance. I asked my XXXX what area code was XXXX and was told Hawaii. I immediately called Bank of America XXXX and reported the incident. They closed the account and stopped them from taking out {$800.00} more. They tried twice and both were rejected. 

I received a notice from Bank of America saying they were not going to refund the {$3000.00}, but the case was still open as they were attempting to get the funds back from another bank. I have attached XXXX letters from Bank of America. 

I have tried to call XXXX at XXXX. I got the following message : Thank tor calling XXXX support. If you are having a problem with XXXX, call your bank. 
I was not given an opportunity to speak with a XXXX representative. 

I have saved the text messages and notes I took. Your help with this matter is much appreciated. I am retired, living on social security and this has greatly impacted my financial stability. Thanks again for you help. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Credit Karma, LLC
State: MO

Complaint narrative:
Credit karma, said I was pre approved for a bunch of different loans. Ran a credit check even if it said no credit checked required this all happened XXXX and XXXX Now I have XXXX hard inquires a bunch of which are authorized and they refuse to do anything. I got denied for mortgage, credit card and other things I was pre approved for. It also dropped my credit XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Please help, i just created my Paypal account and i have met every requirements, i have confirmed my email address, i have also sent a copy of my ID card to Paypal for account verification and confirmation, i got an email message from Paypal that my account limitation has been lifted and i can now send and receive unlimited amount, but when i log into my Paypal account its still has this red flag with this message { After a review, we decided to permanently limit your account as XXXX determined that this account is linked to XXXX or more PayPal accounts that currently have unresolved issues. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal } Please i dont know why this is so, i strongly believe that my account was wrongly limited permanently. i want my account to be completely lifted from limitation so that i can use it perfectly well. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-25 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: NC

Complaint narrative:
I do not understand how my XXXX XXXX can drop from XXXX to XXXX on TransUnion and from XXXX to XXXX on XXXX and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only XXXX active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I ordered a phone from XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and paid a sales tax of {$49.00}. I changed my mind and canceled. XX/XX/XXXX, they emailed me a return label and returned the brand new phone, never used and in its original Packet. They emailed me that they received the phone and refunded me {$48.00} tax which was paid during the phone order. Please look at the attached email dated XX/XX/XXXX, from XXXX XXXX XXXX. 

I sent these documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX about this issue before they send it to the collection. 

Please review all documents and remove my account from the collection. How can I be responsible for the phone I returned on time per their direction? 

Please help me and solve this problem. 

Thank you

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