vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NV

Complaint narrative:
ello my name is XXXX XXXX i from XXXX XXXX in live in XXXX XXXX i had some one take unauthorize money out of account with nets pend XXXX bank out of XXXX TX for total of {$3600.00}. Netspend blocked my card on XX/XX/XXXX and notified me on XX/XX/XXXX via email that there was a account issue to call the fraud department. I called the fraud department i asked what's going on what happen to my money he states there was some with draws from XXXX XXXX bank. I was working and they took money starting on the XXXX before netspend blocked my account. I filed a dispute claim Number # XXXX and they told me it will take 10 days for me to get my money and i will get a response by XX/XX/XXXX. the days comes and the come back with they didn't have error some hank my account some how and the money is mines my taxes and work check they even took that also. I read their XXXX  reviews and this happen to people and they have to fight to get the money back. I need help and getting my story herd and help with getting my money back due fraud. I am a single mother and trying to have funds for hard times or good times and i been with netspend since XXXX and i had my card for a year and this never happened to me and they are acting like it's not a big deal and i need to let my money go please help me. I filing a police report, i have my time card showing i was at work when my funds was being taken out of account. They even took money out in California and i am here in XXXX XXXX and the bank doesn't find error after their investigation, i need cameras pulled and for them to prove to me i authorize this because i wasn't aware at all and i am heart broken about my money, Respective told me my case was close and can't be reopen. I had to go weeks with money. XXXX lost my card they didn't want to express me card for the {$25.00} fee was trying to make me pay when i never received the card. I asked for a manger and she assured me she will send me a card, come to find out she didn't and the rep had to send me another card and i had to wait into XX/XX/XXXX to finally get a new card. They been so careless about my money i did dispute in the past for {$20.00} XXXX dollars and got that back so i am only made to believe this is true theft. I cant stop crying or worrying about my hard earn money please help me get my money back.

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a letter from Chase that they planned to introduce a monthly service fee of {$35.00} for Chase Private Client Checking Accounts if you don't have an average beginning day balance of {$150000.00} or more in qualifying deposits and investments, or don't have a linked Chase XXXX Business Checking account. My checking account did not have this amount in qualifying deposits but I had investment accounts at JP Morgan that pushed my balance well over this limit. Regardless, the letter indicated my checking account would be transferred automatically to a Chase XXXX XXXX Checking Account. 

In XX/XX/XXXX, I received a monthly service fee of {$35.00}. In other words, Chase never transferred my account and started charging me a monthly service fee. I had over {$150000.00} in qualifying deposits and investments so I called the XXXX phone number to speak with someone in client service. After waiting on hold for over an hour, the person could not help me as they were not able to properly link my checking and investment accounts, and asked me to go to a local branch. I did so, and a banker waived the fee and said this was a common issue and the bank was attempting to fix it. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00} so I stopped by the local branch again. They waived the fee and escalated my issue to a " customer complaint '' department. I received a phone call a few days later, and after a week of back and forth, the employee told me that my checking and investment accounts could not be linked and, despite my balances being over this threshold, that I would continue to be charged the XXXX XXXX monthly service fee even though Chase 's policy states otherwise. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.

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 2021-06-09 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: MI

Complaint narrative:
I received two letters ( attached ) in the past 6 months indicating I requested an account with XXXX XXXX. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with Equifax credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card through Comenity Bank. I receive my once a month XXXX check on the first of each month so I pay my bills as soon as I can. I had a balance of {$48.00} on XX/XX/XXXX. I made my minimum payment of {$35.00} on XX/XX/XXXX, my due date was XX/XX/XXXX which should have reduced my balance to {$13.00}. Comenity bank charged me a {$35.00} late charge on XX/XX/XXXX. I have called several times trying to work this out with them and they have refused to remove the late charge and would not except my payment of {$13.00}. They say that my XX/XX/XXXX payment was applied to the XXXX statement!! How can they apply a payment I made in XXXX to XXXX? Now every month they are charging my account a {$35.00} late fee and interest and refuse to accept my payment of {$15.00}. I added {$2.00} in interest just trying to be fair of the amount I owe them. I have tried and talked to several different people and supervisors at Comenity Bank but they refuse over and over to correct my account or accept payment for what I owe. As of today 's date, they are staying my balance is over {$100.00}! Now I am afraid that this is going to ruin my credit report rating. I have never had a late payment on my account with Comenity Bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo had took money out of my account. I get money from Social Security so now Im unable to pay my bills because of this transaction. They refuse to give me information as to why they are taking money from my account. I need that money back so I can said bills.

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 2021-06-09 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: PA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reach out to Experian Credit bureau about an incorrect, inaccurate, and fraudulent bankruptcy in XXXX I received an email from them showing my report which it stated to contact their third party vendor XXXX XXXX. So Contacted XXXX XXXX In XXXX I was told that they had removed the 2 chapter XXXX Bankruptcy in XXXX of 2020. So I call Experian on XX/XX/XXXX and spoke with a Supervisor who stated to send in the document from XXXX XXXX show that the bankruptcy has been removed. I uploaded the document on XX/XX/XXXX an and called back on XX/XX/XXXX I was told by a XXXX who answered that that document Doesn't mean anything. I then call XXXX XXXX and tell them what Experian said and they tell me that all I have to do is show Experian that document and they should remove it. My problem is that On the report sent by Experian it clearly stat that they get their information from XXXX XXXX and once XXXX XXXX removed it, it should have been removed from their system as well. I want those 2 chapter XXXX bankruptcy removed immediately as Experian is lying and refusing to removed these items that were removed from there source which is XXXX XXXX  as a consumer this is not right. See documents.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX  sold this off it seems when it was PAID in full over a year ago this is incorrect and needs to be completely remove before legal action is taken

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 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: VA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently applied for and was approved for a PPP loan. The funds were deposited into my Capital One 360 checking account. Capital one have frozen ALL my accounts, even the account that i share with my wife, an account that is not used for my PPP money.

I called Capital One and they advised me that the SBA have asked them to investigate ALL PPP loans that come into their account, this is not true according to the SBA.

They asked me to send in my tax return, which i have done, I also sent in a copy of my SBA paperwork. They have told me that there is NO TIME LINE on how long my account will be frozen, it could be 6 months, and I will not be able to get ANY kind of update until they are done with their " investigation ''.

I want access to MY MONEY, IT IS NOT THEIRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday XX/XX/2021 the company was sent a certified letter with an return reciept attached regarding an alleged debt. 
The company has not acknowledged nor updated with an rebutt or response. The company has violated my consumer Rights under Federal law. This company has furnished my personal information to credit bureaus as well as third party debt collectors. This company also submitted detail transactions as well as factual information, which is prohibited Under 15 USC 1681- ( a ) Accuracy and fairness of credit reporting ( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to 15 USC 1681 ( a ) and ( e ) -all investigations must include interviews with family, associates and neighbors. The company has failed to provide validity on this debt. I also mailed this company an cease and desist letter via certified mail with an return reciept included, All communication regarding this debt still hasn't been ceased nor has this company has invoked a specified remedy. According to FDCPA 15 USC 1692c ( 1 ) ( 2 ) ( 3 ) - Ceasing Communication. Consumer Law states that- if such notice from the consumer is made by mail, notification shall be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased XXXX XXXX  XXXX and the interest free loan they promised me was a scam. I was very sick when the first statement showed up ( XXXX  XXXX XXXX XXXX My wife told me for my health to just pay it and ignore it for now. After feeling good enough to start reading the statements I realized Id been scammed and the statements didnt make sense. They were charging me interest. I contacted the XXXX XXXX XXXX and filed complaint # XXXX. That was being denied by XXXX. I then went to XXXX XXXX of XXXX  XXXX XXXX, she helped me by having specialists look at the original agreement and my statements. I found out that the North Carolina based Ally Lending was violating the law in that state. They are charging me interest, and the statements are so confusing its ridiculous. I have not filed a lawsuit yet.

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 2021-06-09 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: NY

Complaint narrative:
I XXXX XXXX am deeply upset that these credit reporting agencies are reporting inaccurate, unverified inquires and accounts to my credit report. Under 15 USC 1681i, unverified accounts must be promptly deleted. I sent these credit reporting agencies a sworn statement on XX/XX/2021 telling them that the items listed were fraudulent, and they were supposed to remove the accounts 4 days after receiving my statement. it is now XX/XX/2021 and the accounts are still reporting to my credit report. this is illegal and I want the CFPB to take action. Please make them remove these fraudulent accounts. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
This company violated the fdcpa by repeatedly calling me after I stated that all communication should be done via mail. I have also received calls from family and friends that Ally Financial has called and texted them numerous times about an alleged debt owed. This is not only a violation of the law on my behalf, but also on my family and friends behalf too. In order for Ally to furnish information to credit reporting agencies they need my permission and validation of the debt. I do not own any debt. Debt is an obligation therefore this debt is not my obligation and the alleged amount owed is null and void. Only the consumer can validate a debt, I am the consumer and deny all allegations of debt owed by me to Ally and demand that my credit report reflect such. 15 usc 1681 ( b ) states If the transaction being reported on a consumer report is not a consumer credit transaction, it can only be reported with permission from the consumer 15 usc 1681b ( c ) ( 1b ) ( iii ) states a consumer has the right to privacy and can ELECT to have his name, address, and any other information excluded from a consumer report. I ( the natural person ) didn't initiate any transaction, the corporation/organization initiated the transaction.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NY

Complaint narrative:
Afni notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the XXXX Afni made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that XXXX has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with Afni? XXXX, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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
State: FL

Complaint narrative:
In XX/XX/XXXX, we set up an account in Paypal for our company. After receiving the first payment, Paypal limited the account. We called to try to collect the money. The company said in 6 months they will lift the limitation. It is XX/XX/XXXX. The message is still there and it is impossible to receive help from Paypal. 
This is the message : Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. 
We send our IDs and the EIN number of our company. I have taken screenshots of the situation. Apparently, many people are in the same situation. Paypal doesn't help and is keeping our money. Paypal deletes old messages so I am sending the ones from XX/XX/XXXX.

Company response to consumer: Closed with explanation