vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I filed a dispute for goods/ services and at the end of the process paypal indicated that the dispute was not eligible for the protection. 
On XX/XX/2020 I filed a dispute XXXX. The charge indicated that it was eligible for paypal protection. This was a charge I paid for goods and services and not a personal payment to family/ friends.The process was initiated and information was requested on both sides. A claim had been escalated. On XX/XX/2020 paypal then indicated that the charge in question was not eligible for paypal protection. I take issue with paypal having me, having the merchant and having paypal going through the motions of what appeared to be a process that qualified for paypal protection only to notify me at the end of all of all of that tremendous effort by all parties that the charge actually did not qualify for the protection. If the charge didn't qualify then why not just tell me right off the bat that it isn't eligible? It looks like the charge in question was made to family/ friends category. Why take three days and gather information from both parties if that wasn't even the case to begin with? I wouldn't of even bothered wasting my time because I know the difference between what I can and can't do with a personal payment versus a payment for goods and services.It doesn't make any sense and I believe there is a criminal element of deception and falsely putting this into a category that it shouldn't be in. 
Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo reported my home equity line of credit delinquent from XXXX to XXXX. While I did have this account, it never had a balance, so it would have been impossible to be delinquent.

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 2020-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a saving account with TD bank on XX/XX/XXXX and did a fund transfer with {$20000.00} from my XXXX XXXX  to TD bank saving account on the same day right after the account is opened. 

TD bank closed my account for some unknown reason afterwards and sent an email stating that the fund transfer was unsuccessful. 

However the money didn't go back to my XXXX  XXXX  account untill now. 

I've reached out to one of the TD bank branch and also filed a complaint with XXXX XXXX. However the issue is still not resolved. 

Attached is the reponse from XXXX XXXX. 

Please take this complaint seriously. All the actions are performed and instructed on TD bank online system, TD bank should make a graceful transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My first day of retirement was on XX/XX/2020. I had to return my computer to the company and because of Covid, I could not purchase another laptop from XXXX XXXX. At that time they were not allowing customers in the store, so I purchased the laptop off of XXXX. I used the computer for about a week, when I woke up on XX/XX/XXXX, my screen was frozen and I was advised to call XXXX to correct. I spoke with an individual named XXXX XXXX. He told me that my modem had been hacked and advised me to contact XXXX XXXX to install the appropriate updated software. The update would cost me an additional {$500.00}. 
I spoke with an individual at XXXX who went by the name XXXX XXXX. I paid for the software from my debit card on line. He had told me to close the computer and the software would finish the install. I opened it back up and the screen was still frozen. I called him back and told him that the computer was still frozen. At that time he said they would refund me the {$500.00} because the security install had not occurred as they promised. 
I was contacted again by XXXX who told me that in error he had added an additional zero and that he needed me to send back to them ASAP or " he would lose his job for such a big error. '' He showed me on my laptop that there was a {$50000.00} deposit to my account. Being trusting and not wanting to see him get in trouble I agreed. I went to Bank of America to wire him the funds ( XXXX ) to account number XXXX at XXXX XXXX. Number which he had provided to me. I met with a financial adviser XXXX at the XXXX, CA branch and he wired the money for me. He then spoke with his Office Manager and told her it could be a case of fraud. She tried to recall the wire immediately, but the funds were already gone. When I got on my computer someone had moved money from my savings account, put it in my checking account and withdrew it all. I reported this to B of A fraud department and the XXXX police department on XX/XX/2020. 
The bank said they had 90 business days to make a decision on if they could help me or not. This put me into XXXX. Since I had sold my condo, I was in the process of moving and purchasing a home in North Carolina. I received a letter stating they could not do anything for me to retrieve any or all of my funds. 
Since I was scammed and B of A refused to refund any of my money and I had insufficient funds in my accounts and had to sell my company stocks to have money to live on. What has not made sense to me is they have made me a XXXX XXXX member with the privilege 's associated with accounts with that level of funds. 
I have not had any attorney to take my case or tell me that I do or don't have one.

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 2020-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX 's ( sp? ) that I had not caused. I contacted Experion and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XX/XX/XXXX data breach.

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 2020-12-15 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: GA

Complaint narrative:
I am opening a new complaint, as the first one submitted was disregarded, once again, which is the basis of the complaint in the first place. I want the accounts in question to be removed due to the bureau 's lack of response, and subpar response of " we don't believe this is you ''. WHO ELSE WOULD IT BE????

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 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Management Services, Inc.
State: MS

Complaint narrative:
I pulled my credit report on XX/XX/15 and noticed so many accounts listed as SMS which is Specialized Management Services. Each of these accounts on my report are not mine. I had insurance that covered the full expense of my medical bill. I also did not give any consent for my information to be shared with SMS. This is a violation of HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/20, my Wells Fargo debit card number was stolen and used to make a series of unauthorized purchases in a matter of a few hours to several online stores totaling approximately {$3700.00}. Some of these fraudulent purchases were caught and reversed and some were not- leaving the amount stolen close to {$1600.00}. This is a significant breach of my security and account which was reported to Wells Fargo the same day - and I haven't received much of a response from the company other than a claim number.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear CFPB, I have submitted a complaint in regards to my American Express Business credit card being closed by the bank on XX/XX/XXXX. On XX/XX/XXXX I found out that the bank closed my personal Credit Card account as well. I expressed my dissatisfaction as a customer for the course of actions taken by American Express Bank. I asked them how it was possible that they closed both of the accounts specially my personal credit card without any mail or email notification as they normally do when there are changes related to the account. The rep stated that no emails were sent but supposedly, a letter was mailed to me which I, have not received or read stating that the account was closed.I asked to speak with a supervisor to express my frustration and concerns about the bank closing my account. I openly expressed my discrimination concerns, after updating my bank account information for Auto-Pay, they still closed my account, even though I demonstrated my intensions to pay off both of the accounts. I honestly feel discriminated as a a XXXX Male for them profiling on my accounts. At this moment my credit is score is higher than the score and had a the time when my accounts were approved. I haven't experience this problem with any of my creditors in the past. These two closed account will impact my credibility with the credit agencies and drop my scores drastically. Is not fair for me as a customer to be put on this position as I take my credit and reputation very serious, plus we are in a middle of a pandemic with limited resources it take much more efforts to recover from this type of life events. 
I want CFPB to assist with this matter and explore the possibilities of having both of my account reinstated. Please let me know if you need additional information from me to assist me with the case. Thank you in advance for your assistance. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Receiving a vague voicemail from the this phone number twice threatening that if I dont take action, they will take it to the next level. 

They are claiming to be from Direct Recovery Services. 

I have not received any formal letter on this matter and have my suspicions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Credit Systems International, Inc.
State: MD

Complaint narrative:
XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND WASHINGTON GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I have been repeated harassed by Carrington Mortgage Service and I always pay my bill every month. I have gotten harassed everyday this week o XX/XX/2020. I have told them to stop multiple times and they even have been sending me " recertification '' calls as well that I have told them multiple times to stop because I am not interested. I am in duress and feel unable to fend off these people during this time of COVID-19, I am out of a job ( still making monthly mortgage payments by the way, that I have not missed ), and at this moment I am unable to walk because of a back injury. Can someone please help me in order to free my families life of unwarranted stress by this horrific company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX , XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XXXX  data breach.

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 2020-12-15 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 or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
I would not believe if I have something in my report but when I went through my credit report I found information that is not mine absolutely. I kindly ask you to help me and to remove account that is not mine. I would like to dispute and have it investigated. I believe that I may be a victim of identity theft. Actually I have never incurred debt with these creditors. It could also be possible you are mixing up this account with someone that has a similar name as me. Please delete this account immediately as I need it asap. When you delete this account please inform all 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 2020-12-15 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: PA

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 XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust bank has been giving me sooooooooooo many challenges with my loan over the past year and now that I have closed the loan they have not refunded the {$10.00} they owe me after I closed out my loan

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 2020-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
wrong primary name and previous names never used and primary address and previous addresses never used

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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Mortgage put me in the forbearance program without my knowledge or consent. I have been making my mortgage payments on time and as agreed. Wells Fargo has NOT been applying these payments to my mortgage and this is showing up on my credit report and affecting my ability to get a refinance. They have no right to put me in the forbearance program without my consent. If they have done this to me, how many millions of others have they done this to and where have my payments gone? there is also the question of any all late fees and additional interest that is being applied to my account. I have called Wells Fargo and filed a complaint.

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 2020-12-15 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: PA

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 explanation