vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I bought a visa gift card of value {$500.00} in XXXX  ' food on XX/XX/XXXX and found that someone else registered my card already and made several unauthorized transactions of total value more than {$400.00} on XX/XX/XXXX and XXXX. I called XXXX  ( US Bank ) to request a replacement card and dispute the unauthorized transactions. As requested ( CID number XXXX ), I faxed my valid government ID, front/back of gift card, and original receipt of purchase to prove the ownership of the gift card on XX/XX/2021. I was told by the agent via the phone that they will respond within 3-5 business days by mailing a replacement card and helping me to handle the unauthorized transactions. However, until of today, after 10 business days, I did not get any response from US Bank regarding whether they get my request approved and whether they have mailed the replacement card or not.

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 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The whole thing started with an email I received confirming an order for an XXXX TV that was placed through my PayPal account for {$690.00}. This was an unauthorized transaction. I called Paypal Customer SupporXXXX line immediately to inform them of this fraudulent charge. I believe that the number was spoofed as I was online with a gentleman who claimed to be a supervisor telling me that the merchandise was sitting in a warehouse in California and someone had used my PayPal account to make this purchase. He then informed me that since there were no physical stores for PayPal in my city, that I would need to go to a XXXX or XXXX to offer authentication of my identity. This man had a thick heavy accent and I was following his directions because he seemed genuinely concerned about helping me protect my account, and my identity. A big red flag went up when he asked me to provide him with the last four digits of the debit card used for the fraudulent transaction. ( He said he needed this to transfer funds to protect me from being charged ). 

For if he truly was with PayPal, this information would have been accessible to him. I refused to give him this information and he became very upset saying he could no longer assure protection for me and I would be liable for the {$690.00} and he hung up. 

I immediately went to my bank and cancelled the debit card associated with my PayPal account. I closed my PayPal account and reported to the Attorney Generals Online Fradulent Division who recommended my contacting the FTC to report this case as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
XXXXIndigo continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the Indigo account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase allowed an unknown person to gain access to my account and disable XXXX ( multi factor authentication ) that I had previously enabled for my own protection. That person ( s ) purchased additional virtual currency with my linked credit card and bank account and immediately transferred the available funds, about {$3800.00} worth, to an untraceable address. I altered coinbase as soon as I saw the emails saying I had transferred funds. But their only method of contact is email so a rapid response is not possible, no phone or live chat is available for their customers. I changed my password and locked my account to prevent any further access. When coinbase later responded they said all charges are final no refunds will be offered. It is their laxed website security that allowed someone to change my security settings then quickly transfer out my money. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost about {$3800.00}, they have no incentive to fix their account security since they still make money even when they let your account get hacked. 

Common sense would dictate when an accounts security is changed like email address changed, multi factor authentication method disabled or password changed that account should be prevented from sending any funds out for 24-48 hours. They did not do this. 

I filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ) and local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
l am who I am the natural person and consumer and applicant in fact. I have applied on numerous occasions to get credit cards from this institution to use for personal, family and household purposes. I have been violated, disrespected and denied numerous times for various cards when in fact I am the original creditor and I tendered a negotiable instrument and I extended the credit pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This institution has committed federal violations under the equal credit opportunity act, and the fair debt collection practice act. This company also blocked my account to prevent me from using my card and failed to make it open ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
XXXXXXXX  continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the XXXX  account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with 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 2021-10-13 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: NJ

Complaint narrative:
XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute Equifax dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with 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 2021-10-13 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: MD

Complaint narrative:
Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

XXXX. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I first had a problem logging into my Chase business banking account on the XXXX of XXXX. A message appeared saying that I was locked out due to suspicious activity, and to call a number which I have tried several times. Each time, a recording said the wait time was longer than 50 minutes, no matter when I call. 

Meanwhile, automatic payments are being rejected, with each resulting in a {$34.00} fee. I can't stop them because I can't log in. This has resulted in several XXXX dollars of fees. I've had to stop depositing funds into this account because no matter what, Chase just takes my deposits for their own fees. 

I have not received any explanation as to what this suspicious activity was, nor an opportunity to review recent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I tried opening a new checking and savings account with XXXX XXXX XXXX and was denied due to overdraft fee 's in the amount of {$460.00} at Key Bank back on XX/XX/XXXX. At this point in time I had my identity stolen and had to dispute an account being opened using my identity with XXXX earlier this year. The bank sided with me and stated that I was a victim of identity theft and therefore was not responsible for the amount owed on that account. I have never been a member with Key Bank and believe this has to do with the same person that stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XXXX XXXX XXXX, AMEX Bluebird ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION- Grand Theft REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/XXXX Your Account is Locked ELDER FINANCIAL ABUSE : FINANCIAL EXPLOITATION XXXX XXXX XXXX XXXX, XXXX  XXXX American Female, Card ending in XXXX. Amex Delay Dirty Tricks most common delaying tactics is by avoiding service and hold hostage finance over {$1000.00} ( Elderly Grand Theft Abuse ) THAT HAS NOTHING TO DO WITH disputed {$85.00} XXXX XXXX XXXX  FRAUD/SCAM ( XXXX XXXX Files Consumer Fraud Lawsuit Against XXXX XXXX XXXX ) CFPB Complaint filed # XXXX has been file for suspending the account and a legitimate XXXX XXXX XXXX  {$85.00} FRAUD transaction. THIS COMPLAINT IS ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION. Since XX/XX/XXXX, I have appeal to XXXX and XXXX, I even call AND MAIL SENT COMPLAINT TO XXXX XXXX NY corporate office- AS OF TODAY ALMOST 10 DAYS LATER-NOTHING! the rude response of " delay '' continues. This is MY MONEY AND I HAVE Medical Bills to take care of as well as prescription. This IS UNDUE HARDSHIP. If the account is suspended and today " LOCK '' - the balance is MORE THAN {$85.00}! So, Bluebird by American Express has garnished the remainder BALANCE amount over {$1000.00} - GRAND THEFT - IN NEVADA THAT'S DOUBLE THE PENALTY FOR CRIMES AGAINST THOSE OVER XXXX OF AGE! I will indeed file a complaint with Nevada Attorney General XXXX XXXX. Nevada values their Older Americans- NOT BLUEBIRD BY AMERICAN EXPRESS aka XXXX aka undercover boss XXXX It DOES NOT TAKE OVER 7 DAYS TO REFUND A PERSON MONEY DUE - if AMEX Bluebird want to keep the {$85.00} until investigation completed -SO BE IT- BUT THE OVER OVER {$1000.00} GRAND THEFT HAS BEEN STOLEN AND NO SIGN OF REFUNDING THE AMOUNT! It just a prepaid debit card - dime a dozen. I had this debit card for at least 8 years plus- RUDE CUSTOMER SERVICE IS NOT A CRIME BUT FALSE ADVERTISEMENT-GRAND THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CRIME! Ask Attorney General XXXX XXXX XXXX. See Attachment of delay investigation and DELAY GIVING ME MONEY THAT BELONGS TO ME emails from XXXX XXXX, American Express Executive Assistant XXXX. NO EXCUSE EXCEPT BLUEBIRD BY AMERICAN EXPRESS THINK THEY ( XXXX XXXX XXXX ) ARE ABOVE THE LAW CFPB, Federal Trade Commission, Attorney Generals ( NV, NY ), XXXX and XXXX Fraud Hotline! True Elderly Hate Crimes!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM financial has REFUSED to VALIDATE the repossession. Please see attached CERTIFIED letters. 

It's been over 90 days. 

This repossession was illegal therefore this should be removed from my credit report. 

They 1. Ignored me for 60 days. 
Then 2. Sent me the LOAN DOCUMENTS. 

I asked for the STATE AND FEDERAL NOTIFICATION LETTERS needed in order to LEGALLY repossession vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was told that I had a collection. I was never notified before hand about any debt. 

They automatically put something in collections without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one is unfairly racially profiling me holding my money with no grounds. Capital one has NO POLICY in place for situations like this and even if they did ppp loans didnt even exsist at the time I opened my account. They told me I have to provide documentation to them when I have already satisfied all requirements with my lender they are just holding my money collecting interest. I received this money in may why are they just now placing a hold this is a lawsuit waiting to happen.

Company response to consumer: Closed with explanation