vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother passed away on XX/XX/XXXX. I am a Co-Trustee and Personal Representative for her. In XXXX of XXXX, I commenced transferring her accounts having more than {$800000.00} in multiple accounts at Wells Fargo to the names of the beneficiaries. It took approximately eight ( 8 ) months to have the accounts transferred, during which time delays occurred due to non-responsiveness by the decedent 's financial advisor, documents not being sent, documents being sent to the wrong location and delay after delay. I filed a Complaint with Wells Fargo. I received a letter that the matter would be investigated. Within weeks, the accounts were established for the beneficiaries. Thus, it took approximately 8 months before new accounts were established for the beneficiaries. During that time, funds were not available for funeral expenses, insurance and real estate taxes on real property. 

On XX/XX/XXXX, shortly after the accounts were opened, Wells Fargo responded that the accounts were opened and the problem was resolved. No it has not since I can not gain access to 2 accounts. One of these accounts is an Inherited Roth IRA in my name. I want to remove the funds from Wells Fargo of approximately {$8100.00}. 

Using the Financial Advisor for another year is futile. I attempted to download the forms to withdraw from the Inherited Roth IRA,, but the proper forms were not available for download from the website. I located the forms elsewhere on Wells Fargo 's website, and mailed them 2 months ago to request a check from the Inherited Roth IRA to me. Nothing has happened. I sent the form again 2 weeks ago. Nothing has happened. Today, XX/XX/XXXX, I called Wells Fargo. I was told that only the Financial Advisor could liquidate the account. I explained the problems that the Financial Advisor does not help, he delays. The representative with a difficult accent to understand said the Financial Advisor ( selected by my mother, not me ) was the only person in Wells Fargo that could help. He disconnected the telephone call. So here I am, with Wells Fargo having taken the funds and depriving me access. 

Similarly, there is a savings account in my deceased mother 's name. I did not learn for approximately 1 year that the funds in a saving accounts are treated differently by Wells Fargo than the investments. Thus, the Financial Advisor will provide no assistance other than forwarding forms. We submitted the notarized forms to Wells Fargo to change the title to the account to the trustees 2 weeks ago. No response from Wells Fargo.

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 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
following up with my previous Complaint XXXX, coinbase responded to you by requesting that I verify my identity : 1. So on XX/XX/XXXX, I used the link that coinbase provided to you and I sent my selfie holding my ID and title saying " for coinbase Verification '' 2. I did not receive any response from coinbase 3. 48 hour later I tried to login my account but received " account is disabled '' 4. It has been 57 days with disabled account 5. I have lost over {$34000.00} by not able to manage my account 6. after opening 45 cases and two complains with coinbase, I am convinced that coinbase do not read or open any e-mail from their customers 7. Please start the most penalizing action against coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: PA

Complaint narrative:
I discovered unauthorized transactions posted to my PayPal account on the morning of XX/XX/2021. There were two ( 2 ) transactions, one in the amount of {$100.00}, and a second in the amount of {$700.00}, made to the same party. These were in the form of a direct ACH transfer from the checking account connected to my PayPal account. I promptly reported these unauthorized transactions to PayPal using their reporting mechanism on the same day. PayPal replied within a few hours with a message stating : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' I immediately followed up by replying to the email address specified for submitting appeals, and have not received a response. I would also like to note that PayPal always sends a confirmation email after each transaction. I received no such emails for these transactions. I also have multi-factor authentication enabled for my account and use best practices for passwords. These facts lead me to believe that this fraud occurred from WITHIN PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
can you please help me out my account was closed recently I really apologize if Ive done anything wrong I do not know what Ive done I have been a customer of since 2006 Bank of America they kept my money and I dont know how long is gon na take to send me a check Can you please help me out to get it in the branch I need to pay my rent I have XXXX kids That's all the money I had my name please help me out I need to get it in a branch. I do not know how to pay my rent how to buy a food For my kids please you guys don't do this to me I need my money that I made it with my own Hinge working hard Day-and-night to support my family Please that's what I have I'm struggling right now Please help me GET MY {$4000.00} MY MONEY PLEASE God-bless

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 2021-07-14 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: GA

Complaint narrative:
I was alerted by Experian on XX/XX/2021 that a hard inquiry was created on my credit report from XXXX/XXXX  I XXXX who the company was and I don't own a pet. It's a pet store. It was done in error or fraud. Help me to get this false reporting off of my credit report.

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 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : 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 2021-07-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : 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 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA likes to find magically ways to charge NSF fees. They will post some deposits the same day but other deposits the next day. NSF charges with most banks are charged the same day a transaction is returned, USAA will charge this fee on a day a transaction was not presented. This time I moved the money to cover the balance needed and instead of them paying the transaction, they sent the transaction back and posted a few the next day. The fee puts the account below the amount needed to pay the transaction of course, but had they posted the deposit as they should before any debits, this wouldn't happen. This is the 2nd time this has happened, oddly enough had an account with another bank and these types of things never happened. Please investigate the unnecessary fees being charged by this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Compass Recovery Group, LLC
State: MA

Complaint narrative:
For two and 1/2 years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
Compas recovery group has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed disputes with the credit reporting agencies and it has been over 30 days with no response.

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 2021-07-14 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: NJ

Complaint narrative:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed disputes with the credit reporting agencies and it has been over 30 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NJ

Complaint narrative:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 2021-07-14 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: NJ

Complaint narrative:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # 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 2021-07-14 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: GA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 Bank of America ( BoA ) deducted {$1200.00} from my Personal Checking account with authorization, nor informing me. When I discovered the deduction, I called BoA to find out why it was removed. BoA employees refused to tell me what the charge was for, and eventually hung up on me after 1 hour and 3 different employees refusing to tell me what happened.

I later received a letter from BoA stating that the funds were taken from my Personal Account to apply payment to a Business Account Credit Card ( Setoff ). The Business and Personal accounts are separate, yet BoA felt entitled to steal money from the personal account for a Business account credit card payment. 

This has resulted in me being unable to meet bills for this month, and likely the loss of my residence.

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One account XXXX was opened on XX/XX/2021 and report to the credit bureau approximately XX/XX/2021. When i received the alert I immediately disputed with the Credit Bureau as I did not authorize or open this account. 
I contacted Capital One Fraud Dept on XX/XX/XXXX or XXXX to inform them the card was opened and did not belong to me. The supervisor I spoke with was able to locate the account and confirmed the Social Security number and Telephone number was not a match, She updated the account as fraud and stated they would start an investigation. 

On XX/XX/XXXX I received an updated from Transunion stating the account is verified and accurate. I contacted Capital one back to find out the results of the investigation, XXXX, The fraud account manager Employee ID XXXX, informed me the account was mark as Fraud, along with the transactions. XXXX stated according to the notes the Credit Bureau Disputes team updated the report from XXXX  as accurate because the address match. 
XXXX also stated their are several items that are disprenceny such as, Social Security XXXXumber on Application. but the CBD team indicates because the address is a match this is valid. 
I did not open this account, I have several other accounts with Capital One however this account does not belong to me and I feel this company has violated the FCRA in its entirety. 
They have not removed the account from my credit report although they are some discrepancies in the information provided. If my social security number is not a match the account should NOT be reported as accurate and/or valid. 
Im unable to solve this with the company directly therefore I'm filing this compliant for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
The following inquiries on my TransUnion credit report are fraudulent and resulted from identity theft of my personal information. I sent TransUnion my FTC complaint, police report, and a 609 letter asking for the fraudulent inquiries to be verified or removed pursuant to fcra and fdcpa. Also that I be sent copies of the verification they are obtain for my review. TransUnion failed to verify any of the inquiries or provide verification ( blacks law 6th ) as requested and they continue to report this fraudulent information which is adversely affecting my creditworthiness and making it really difficult to recover for identity theft victims. Please ask TransUnion to provide verification they are using to continue to report this fraudulent inquiries on my report! 

1 XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX  XXXX XXXX  XX/XX/XXXX 7 XXXX XXXX XX/XX/XXXX 8 XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XX/XX/XXXX 10 XXXX XXXX XX/XX/XXXX 11 XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX XX/XX/XXXX 14 XXXX XXXX XX/XX/XXXX 15 XXXX XXXX XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX XXXX XX/XX/XXXX 18 XXXX XXXX XXXX XX/XX/XXXX 19 XXXX XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX 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 2021-07-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have filed disputes with the credit reporting agency and it has been well over 30 days with no response in also filing 30 day demand to comply.

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 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Ive contacted Transunion several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but transunion still show them on my report.

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