vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MO

Complaint narrative:
U.S. Bank Online Case # XXXX For almost a year now, I have had no access to logging into my " corporate '' account number. 
When I login to my account it shows that I don't have any charges, but then I get a bill that says I owe money and a late fee to an account where I can't login. Now I have a {$40.00} late fee for an account where I can't login. 

Every time I've tried to login to this account it says, " We're having trouble verifying your account. Double-check your account information and try again. '' Literally for an entire year. 

I've emailed XXXX XXXX Internet Support Specialist l Customer Care Operations at U.S. Bank 14 times! Nothing has been resolved in 10 months. I had 29 emails with XXXX XXXX. Digital Communications Specialist and nothing was resolved. 

This is the 2nd time I've had to contact the CFPB about this card and U.S. Bank. They resolved the previous issue ( XXXX ) but blamed me for the issue and made it sound like it was my fault. Two of your employees, plus a total of 43 COMBINED EMAILS and 10 months couldn't figure out what's wrong. 

I would appreciate : # 1 Forgiving the {$40.00} as I had to call in and pay my $ XXXX balance over the phone # 2 Fixing the issue, which is being able to login to the " corporate '' account ; this has never been resolved. 

When it's convenient, please contact me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I deposited {$35000.00} onto Coinbase on XX/XX/XXXX, which I withdrew {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$7000.00} bringing my total deposit to {$17000.00}. On XX/XX/XXXX, they locked my funds for 30 days upon deeming my activity suspicious. On XXXX XXXX XXXX days after they locked my funds, I got an email saying my balance was available. When trying to sell my USD Coin and trying to transfer the funds to my bank account, an error message prompt appeared saying my account was still restricted. That same day, I opened a support case where they updated me over several days saying that they were reviewing my account. Today, on XX/XX/XXXX, they sent me another email saying they were closing my case without any information detailing why. I was still unable to withdraw my funds to my bank account, so I called them again. They said my account was blocked until XX/XX/XXXX now, and said they couldn't give me any details as to why. I realized they're probably just putting me through what seems like an infinite loop of dealing with their customer service to no success to steal my funds while using their excuse of not being able to state why they're doing what they're doing. I'm frustrated, and tired of playing nice, and I will speak with my lawyer about pursuing this if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company inaccurately used my information.

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 2023-08-31 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I drove with XXXX and several times I was dropped off to several different addresses without my account of what happened. I also was given a gps shut off. I believe they have my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank for their dismissive response to my dispute and their gross negligence in assisting me to recover the funds lost due to fraudulent activity. 
Furthermore, I am appalled by the bank 's lack of proper due diligence that enabled a significant transfer for cryptocurrency purchase without adequate scrutiny into its legitimacy. 
I initiated a dispute concerning a transaction of {$170000.00} from my Wells Fargo Bank account to the entity " XXXX XXXX '' ( SCAM ) on XX/XX/. This transaction was undertaken without my authorization, and it subsequently became evident that " XXXX XXXX '' is a known fraudulent enterprise, preying on unsuspecting victims for financial gain. A warning issued by the Financial Commission further substantiates the illegitimacy of this entity, indicating a pattern of deception and fraud. 
Having been a dedicated and trusting customer of Wells Fargo Bank for an extended period, I have held an expectation of security and safeguarding of my transactions. The incident involving the transfer of a substantial sum to a fraudulent organization with minimal investigation is an alarming breach of the bank 's commitment to ensuring secure banking services. 
I demand Wells Fargo Bank to take immediate action in resolving this issue. The bank is obligated to refund the entire sum of {$170000.00} back into my account promptly. Furthermore, I insist that Wells Fargo Bank conduct a thorough and exhaustive investigation into the matter. The purpose of this inquiry should be to determine how such a transfer was permitted to occur without requisite scrutiny and to establish robust measures that prevent such incidents from recurring. 
It is the unequivocal responsibility of Wells Fargo Bank to protect its clientele from malicious financial activities. I urge the bank to treat this matter with utmost seriousness, addressing the issue earnestly to provide the full restitution of my funds. As a longstanding patron, I anticipate the bank to demonstrate transparency, dedication, and resolve in rectifying this situation. 
I implore your office to intervene in this matter and to ensure that Wells Fargo Bank undertakes the appropriate actions to retrieve my funds. I insist that the bank 's approach be proactive, comprehensive, and effective in preventing such episodes from arising in the future. 
Kindly apprise me of the status of my complaint and the ensuing actions taken by Wells Fargo Bank. 
Timely resolution and appropriate compensation are of the essence in this matter. 
I await your prompt response and a satisfactory resolution to this grave issue. 
Thank you for your immediate attention to this formal 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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Unauthorized XXXX payments from personal XXXX XXXX XXXX  checking account on XX/XX/XXXX and XXXX XXXXXXXX  as follows : - XXXX {$500.00} paid to XXXX  XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX  I XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$1000.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$500.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX Later on XX/XX/XXXX  there was unauthorized transaction from my XXXX XXXX Savings Account to XXXX XXXX for {$210.00}

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over 100 points due to fraud.

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 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I never heard of this company or their client until the debt showed up on credit report as a debt in collections. I disputed it with XXXX. Response was I owed this debt. That's it. Did not receive any proof or verification. 
I called the debt collection company several times, only went to voicemail and I never received a call back. 
I wrote a letter in XX/XX/2023 via XXXX. No reply. 
I sent a second letter via certified mail, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dates fall XXXX including fall XXXX and fall XXXX to XXXX. These individuals provided poor services and charged for the visits. These were dental visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
The relevant time period is XXXX, XXXX, XXXXThe total amount involved is {$290.00}, all of which consists of Earned Loyalty Cash Visa Rewards, which were systematically removed from my Visa account on the basis that these earned rewards were subject to arbitrary expiration despite the extraordinary, unprecedented circumstances of Covid pandemic. We requested immediate action by U.S. Bank Cardmember Service to restore our loyalty rewards. During the period in question, travel was highly restricted by governments, that is, XXXX and XXXX. These circumstances, which were truly extenuating, were particularly problematic for my wife and myself as we spend much of our time in XXXX and we were especially vulnerable to XXXX owing to our XXXX XXXX, well into our XXXX. Under these circumstances, it was only natural and reasonable for us to be distracted by the lethal unfolding events of the unprecedented pandemic rather than focusing on arbitrary expiration dates of our earned loyalty rewards. To date Cardmember Service of U. S. Bank has rejected our request for reinstatement of our earned cash rewards on the basis that " ... this is not an option for this account ''.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I have had Identity theft that was in my hone by a boarder, this account with XXXX  XXXX XXXX  does not belong to me ( {$640.00} ) Open balance my name was cleared by the courts of my respective county through appropriate local police and federal investigation finger printing process. 

same thing with account with the followings : XXXX XXXX  case # : XXXX XXXX  Customer # : XXXX XXXX  of an amount of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Good afternoon, I am writing to file a complaint and request an audit into Flagship Credit Acceptance business practices. I purchased a car with them in XXXX XXXX  XXXX and I pust {$6000.00} in cash to get the loan approved. I have paid on time until XX/XX/XXXX, my wife and I exprienced a financial hardship and are still going through it. I requested a loan deferment for the month of XXXX. I completed what was asked of me to get this done and I was under the assumption that everything was fine as I have made the request previously before with the same process. I resumed payments in XXXX and a few months later, I recieved a notification in XXXX  XXXX  XXXX that I was month behind. I paid XXXX payments in XXXX and expressed my frustration and it fell on deaf ears. As time went on, I made my car payments on time and everything was fine XX/XX/XXXX. I receieved a notification that I owed {$370.00} for XXXXXXXX XXXX payment. My payment is {$470.00}, Flagship updated their system in XXXX and customers are unable to see their payment history and live chat online isnt an option. I inquired about the {$370.00} ( two times ) through email and didnt receive a response. I assumed it was for late fees and I received a credit for over paying earlier this year. I scheduled some automated payments and the system didnt show anything out of the ordincary as I knew I had to pay XXXX and XXXX 's payment. 
I logged in XXXX to schedule automated payments and the system showed I owed for XXXX and XXXX, XXXX XXXXXXXX {$470.00}. When I logged back in to reschedule the payment on XX/XX/XXXX it showed I owed for XXXX, XXXX, and XXXXXXXX XXXX payment. I sent an email inquiring and spoke to a an agent. She couldnt figure out why the system was showing I owed for XXXX and I paid it on XXXX. XXXX XXXX requested an audit on XX/XX/XXXX as I was all of a sudden facing reposession and I have been going back and forth with customer service ever since. XXXX was supposed to call me back and I never recieved a call. I am getting conflicting answers and its beyond frustrating, whether its been credited or not. I was told last Thursday that the audit is still on going but its only supposed to take XXXX hours and it was requested on XXXXMaking these payments is a sacrifice and I need a credit for XXXX, XXXX ( paid on XX/XX/XXXX through XXXX XXXX ) , and XXXXXXXX XXXXXXXX payment ( paid on XX/XX/XXXX through XXXX XXXX ) and a deferment for XXXX payment. I have a copy of the latest email i sent them and will attach it in this email. I am requesting an thourough audit into my loan file and Flagship credit acceptance new system and business practices.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation