vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).

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 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingUSA
State: WI

Complaint narrative:
since day 1 of being with this company we have had major issues. They keep charging the wrong account and routing number. I have placed multiple phone calls to them trying to them tell to stop doing that since I do NOT use that specific account. I have funds in a special account to pay for this loan payment. I was so frustrated with them on XX/XX/2021 I had called them and I told them I am sick and tired of the XXXX poor customer service they offer. If you look at my account I make my payment way ahead of time for a reason due to my budgeting. The issue is on XX/XX/XXXX I made 2 payments to the account loan so I can be closer to finishing the loan up. At that time a few days had passed I had noticed that the account was drawn from the wrong account where my bank charged me {$40.00}, due to my account for being over drawn since there is no money in that account which is the account I do NOT use. now my account is over drawn the {$40.00} to include the 2 payments I made that added to be XXXX so in total negative account was XXXX. I can't wait for them to refund me my money in 20 days. I need that money back ASAP, I live alone and have no other income. Am I supposed to grow money on trees? Listen to the phones calls that are so call recorded. I was told by a gentleman named XXXX he was going to mail me the check over night and send it to me, not even an hour later I get a call saying that he was no authority to that and he was not sure why he had told me that. Listen to the phone calls, they are liars, thieves, they care about their money and that is it. I urge you to listen to the last phone call on Thursday around XXXX from a gentleman who was so very rude terrible customer service, they way he talked to me is not the way to speak to a paying customer sorry to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Comenity Bank XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Roughly one month ago, my account on Coinbase that I have been using for several years at this point was suddenly flagged for review without any reason or explanation. I have had almost no activity on the account since XXXX where I moved some funds around ( and had even more trouble with them that I went through CFPB to handle that time as well ) so I don't understand at all why they would suddenly flag my account. 

Since being flagged for review, absolutely nothing has happened for an entire month but my remaining funds of XXXX have effectively been locked for the entire period ( and also devalued by 20 % ) and continuing, support does nothing and gives no valid response, and repeated attempts at validating the account ( that has passed maximum tier XXXX procedures YEARS ago ) have been met with silence and ignorance. 

Attached copy-paste support response whose links I've all followed and revalidated DESPITE ALREADY BEING A FULLY VERIFIED CUSTOMER FOR YEARS. Nothing has happened since. 

I am unable to interact with any of my money on the platform and nothing is being done. Their support service is basically non-existent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX XXXX Helzberg ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Kay Jewelers ( Date Opened : XX/XX/2015 ) Balance : {$0.00} ( USD )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
To be foward to Experian : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX / XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX  ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
With my credit card from Mr. Cooper ' XXXX XXXX Card, I purchase three vitamin supplements from XXXX, MD totaling {$1500.00}. When I took these vitamins, they made me sick so I sent them all back by means of XXXX. Everything was delivered to XXXX, MD and I received a refund to my credit card account of {$270.00} and {$170.00}. However, I never received a refund from the third purchase and the XXXX receipt showed it was delivered and the receipt was signed by a representative of XXXX, MD. 
I disputed this charge to my credit card company and they just told me there was no charging error and they left the charge on my credit card account. I disputed this again to the credit card and I got the same answer. To this day I keep getting charged interest on this disputed charge and every time I complain, I get their same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CA

Complaint narrative:
There is negative information reporting on my credit file that I am demanding get deleted and updated. The following companies have reported an inquiry ( Hard ) that was never authorized by me ( Fraud ). 

( 1 ) XXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX ) ( 2 ) XXXX ( Inquiry XXXX XXXX ) ( 3 ) XXXX XXXX XXXX ( Inquiry XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
There are fraudulent inquiries on my report that I am demanding get deleted of my credit file. 

They are as follows : ( 1 ) XXXX  XXXX ( Inquiry XX/XX/2021 ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/2021 ) ( 3 ) XXXX XXXX ( Inquiry XX/XX/2021 )

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 2021-10-02 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:
These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. 

( 1 ) XXXX ( Inquiry XX/XX/XXXX ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 4 ) XXXX ( Inquiry XX/XX/XXXX ) ( 5 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 6 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 8 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 9 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 10 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 11 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 12 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 13 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 14 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 15 ) XXXX OF XXXX ( Inquiry XX/XX/XXXX ) ( 16 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 17 ) XXXX/XXXX/XXXX ( inquiry XX/XX/XXXX ) ( 18 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 19 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 20 ) US SM BUS ADMIN ODA ( Inquiry XX/XX/XXXX ) ( 21 ) XXXX XXXX ( Inquiry XX/XX/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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery is changing me for an account that does not belong to me. I have asked them several times for proof that the account belongs to me and they have yet to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: ADP Inc.
State: MO

Complaint narrative:
I am a XXXX XXXX  and my pay for work is paid daily on a XXXX  card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I sent XXXX bitcoin in exchange for {$73.00} USD and I re-activated my old Paypal account so that I can receive the funds. I received the payment without a problem then I transferred the funds to my bank debit card. On XX/XX/2021 I sent XXXX bitcoins in exchange for {$100.00} and received the funds via Paypal, but this time they placed a hold for {$68.00}. Paypal also put limitations on my account which prevented me from transferring the funds and they requested documentation of my transaction. I submitted all the documentation proving the legitimacy of my transaction. 
They reviewed what I submitted and they approved my transaction and also removed the limitations from my paypal account. However {$68.00} was still being held so I transferred the difference of my payment which was {$39.00} to my debit card. At this point I figured since Paypal reviewed and approved the documentation that I submitted I didn't think there was going to be any more issues. On XX/XX/2021, I sold more bitcoins which was XXXX. In exchange I was to receive {$69.00} in my paypal. When I received the funds via Paypal, their system didn't allow me to transfer the funds to my debit card. So I called customer service and they advised me to go to XXXX to get my funds. I thought that didn't make sense because I was going to have to pay fees but regardless I showered and got ready to head to XXXX but when I got out of the shower, my Paypal account had an new message saying that I would not be able to use Paypal anymore and they put on a permanent limitation on my account which restricts me from transferring or withdrawing my funds. They said I violated their policy and told me that they were going to hold all my funds for XXXX. They accused me of embarking in gambling transactions but they didn't send me any correspondence or specific details on why they were accusing me of this. I already sent them my documentation and I have documentation proving the legitimacy of all of my transactions. They never sent me any proof on why they accused me of embarking in gambling transactions. I found it very offensive since they are accusing me of doing illegal activities and they didn't explain anything to me or send me any correspondence. All they said was that I couldn't use my funds and that they are going to hold my funds for XXXX months. I think this is outrageous and I think the right thing to do is to give me my funds since I DID NOT engage in any sort of gambling transactions. This is absolutely preposterous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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

Complaint narrative:
I am an American living abroad in XXXX. I am XXXX years old. I have been here for 7 years. I am a veteran and living on XXXX due to a XXXX XXXX XXXX I suffered in XXXX. I am a XXXX XXXX XXXX from XXXX XXXX Ca. Wells Fargo is my bank. Oddities occurred on my account in XX/XX/2021, I called, cancelled and asked for replacement. Mind you I have been here a long time all of my transactions have been made here. I have a XXXX  phone with the Wells Fargo app. on my phone and I use my fingerprint to sign in into my account. In the past 4 cards have been issued to me in XXXX. ( 2 arrived ) the one I requested XXXX a XXXX this episode was sent to my US address even though it was clear I dont live there and it is NOT my mailing address which is quite clear and in the Wells Fargo app. on my biometric phone. Every single time I have had to get a new card from these people its been a nightmare, they are asking me random questions that thay got from public records on the internet. For example, they asked me if I ever lived on such and such street, which I did for maybe 3 months 26 years ago and the only reason I know that is that it was my ex wife 's place and she lived there for a decade. I know every password, user name, email address, code whatever associated with my account but random XXXX off the internet is the final level of authentication to get me my card when Im flat broke with my rent due and plenty of money in the bank. I have spoken to about 40 people ( many at international long distance prices ) and spent over 8 hours total on the phone this issue, eventually screaming at the idiosy of thier " process '' which is a joke. I just got off of the phone again with them and I have no choice now but to apply pressure from the outside. I need that card yesterday but I cant get anything accomplished on my own I hope you will help.

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 2021-10-02 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: IL

Complaint narrative:
My PayPal account was frozen ( limited ) and I cant use it or get my funds that are in my account for 180 days. 
Late XXXX XXXX I had to open a PayPal account to cash in on some winning from XXXX sports. It was the only way that I could claim my winnings because it was the only way that they would make the payment. As long as it was open I decided to start having my rewards from other sites transferred into the new PayPal account. 
On XXXX XXXX, XXXX I received an email that my PayPal account was limited ( frozen ) and I could not use or have access to my funds, I would be notified after 180 days as to how to get my money. There was no explanation as to why my account was frozen, ( only a link to possible reasons, none of which seemed to apply ). The only things that I did were to deposit funds, check my balance and try to apply for a PayPal card. None of these actions should be a violation of rules. 
I called customer service to try and clear up the situation and was told that they could not see any reason why the account was frozen and that it would be restored within 24 to 48 hours after a review and I would get an email when it happens. 
Five days later I still did not receive a reply and my account was still frozen. On XXXX XXXX, XXXX I called customer service again and again I was told that they could not see any reason why my account was frozen and that there was no update to the status of my account and that they would send another request to the reviewing department. I was also asked to send a copy of a photo ID which seemed unnecessary because they already had information on me like my SSN. I reluctantly sent their request. 
As of XXXX XXXX, XXXX after 11 days there was still no response to any of my calls and my account is still frozen so I filed a complaint with the XXXX. 
I received a response that the account would remain frozen and I would receive instructions to get my deposits back in XX/XX/XXXX. 
This all stems from the use of a VPN when I accessed my account. 
In the mean time I have a reward that is in limbo. It was supposed to deposited into my account but they cant deposit it because of the freeze and I dont know if I can get credit or some kind of refund for it. 
How can they arbitrarily freeze peoples accounts and use the same excuse of risky activity and hold on to their money for 180 days? 
How can I get my account restored?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
Last year I told Comenity Bank that I wanted to pay off my entire balance on a credit card they serviced. In XXXX I got a phone call that I still had a balance with them, but I had not used my card. I paid this balance again thinking it was a mistake on my part. In XXXX I got another call from them saying I had {$100.00} balance, but once again I had not used the card. They are telling me that I had a late charge that gained interest. I have told them multiple times to pay off the card but they still keep finding ways to charge me when Im not using my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Bureaus claim they investigated and verified said account in dispute. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends or associates etc, and if they spoke with them the information Provided can not be factual. 

I have even reached out to the UNited States XXXX District of Georgia Bankruptcy court in which I will attach documentation to this complaint as well. The Courts do not provide information to the bureaus so in fact the very fact that they are hosting this information on my report without consent and proper procedure shows that the bureaus are in FACT disregarding the LAW!

Company response to consumer: Closed with explanation