vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: INTERCONTINENTAL EXCHANGE, INC.
State: CA

Complaint narrative:
I have been threatened by the ICE cryptocurrency exchange at XXXX XXXX XXXX that if I didnt send a deposit of {$11000.00} USDT to the ICE cryptocurrency exchange by XXXX XXXX, I would be fined {$1000.00} per day until the deposit is made. 

I received an email from the ICE cryptocurrency exchange on XXXX outlying their demands, which I have included in this complaint with a screenshot of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # 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 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 2023-02-27 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: EQUIFAX, INC.
State: CT

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. XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # 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
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have been disputing this collection account on my reports with Diversified Adjustment Services for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been with this Credit union for several years and have had financial hardship while dealing with a terminally ill child. My balance has been paid off and they are denying reopening my checking account as well as no access to my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX the check I wrote to pay {$750.00} for my child 's daycare deposit was debited from my XXXX  XXXX XXXX account to the payee 's Wells Fargo account. On XX/XX/XXXX Wells Fargo returned the check to my child 's daycare and charged them a returned check fee of {$12.00} for reason " Refer to Maker ''. I had sufficient funds in my account to cover the check and the {$750.00} was debited from my account and has never been credited back to my account. I've called XXXX twice now and they confirm that the check was cashed by Wells Fargo. The daycare has spoken with Wells Fargo who confirms the check bounced. I also called Wells Fargo who wouldn't assist me as I don't have an account with them. Neither bank will assist in resolving this matter and finding out which one has the {$750.00}. There is an error with either Wells Fargo or XXXX XXXX XXXX and I can't find out which one it is. Attached are the check 's image and details from my XXXX checking account showing it cleared and the check image and details from the daycare 's Wells Fargo checking 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 explanation
Consumer complaint received 2023-02-27 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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
I have sent written notification to AFNI INC requesting documentation of any contractual relationship between myself, & AFNI INC . This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe AFNI INC, {$990.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Credit Bureau customer service fraud department Falsely taking calls for disputes have the consumer believe that Equifax is submitting proper information and they not submitting the dispute over the phone given complaint number like they submitted dispute and when you go online to check the complaint is not valid when I go online to review the status of my dispute the complaint is not pulling up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instru

ctions 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 or 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 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 2023-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 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 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When ordering from XXXXXXXX XXXX, I was offered a coupon in app for grocery delivery. With the coupon the order total came to {$80.00}. I payed via XXXX XXXX, and was charged {$80.00}. Hours later later I was charged an additional {$34.00}. Upon checking the app I saw that the total had been changed from {$80.00} to {$110.00}. The coupon has also magically disappeared from the order. I contacted XXXX several times about the coupon and they said they couldnt help me without a screenshot of the coupon. But since the coupon had been used it had been removed from my promotions section of the app. They said they couldnt find the coupon even though I had originally been charged the right price. In the next few days the {$34.00} fell off my account and the {$80.00} charge was changed to XXXX. I continued to contact XXXX for weeks after and even filed a XXXX report. After they failed to assist me I filed a chargeback for the difference of the charge. 

Almost two months after filing the dispute with Capital One, they email me telling me that my claim was denied. I provided all the valid information in the case that I could. I tried to handle the issue numerous times with XXXX and then was forced to notify the Capital One. Capital One did not make a fair decision based on the information given and has defrauded me of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I reviewed my credit report and on XX/XX/2022 and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
They ( Radius Global Solutions ) email my mother about my credit card debt. They shared the name of the debt and the balance that was owed. The account was never had my mother information. Them emailing her and her yelling at me for having the debt. Has cause a moment of tension and and undue stress to her thinking she her credit score was gon na be impacted.

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 2023-02-27 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: PREFERRED CREDIT INC
State: UT

Complaint narrative:
I did not do what the company said I did. An agent from the XXXXXXXX XXXX had my phone and information and did it all. I did not agree to any of this and my monthly budget did not fit in. The agent from the XXXX XXXX  lied about her intentions with my information and lied about the amount I make monthly. I did not agree to these charges And payments, I was told the company was covering it all. I do not have the product they claim I have because I did not agree with it after I found out what she signed me up for. I sent in a previous report please refer to it for additional information on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Case Number : XXXX Please see attached letter for complete details Barclays has not offered me a plausible way to continue to pay my monthly statement minimum that will not keep adding more and more to my balance because of rising interest throughout XXXX XXXX into XXXX. 

I'm able to pay more than my monthly statement minimum, however paying down the total balance is becoming increasingly difficult because I'm unable to work as much due to lower energy from long covid last year. 

I've been completely responsible in trying to pay my bill and discuss this with Barclays starting at the beginning of XX/XX/XXXX XXXX 

They offered me lower minimum payments which is ridiculous because my minimum is only {$39.00}. I can pay that. That's not the issue. My goal is to pay this balance off. With such high interest rates occurring during XXXX and continuing, my goal is becoming beyond reach. 

I was also told that I could allow my account to lapse into Collections and not receive interest. Going to Collections would lower my Credit Score. Also, as soon as I " catch up '' in collections to the " lapsed payments, '' they move my account right back into being a regular account and start charging interest again. 

It seems that Barclays isn't willing to change anything to help me in any way re : their greedy policies. It feels like Senior Abuse because no one is willing to listen and understand my situation.

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
have opted out of overdraft several times. overdraft still happens. still charged fees. 
extended overdraft resulted in access to account being limited and card being shut off without notice. this resulted in issues paying bills and accessing money deposited in account. fees paid.

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 2023-02-27 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Someone tried to open at least one credit card in my name. XXXX XXXX called me to verify and I was able to stop it. However, I have had serveral reports on my credit report of attempt to open credit cards that I did not initiate. One with barclays Bank, and XXXX XXXX. Fortunately nothing has happened that I am aware of yet. I reported it to XXXX ID theft. They told me to report it here.

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 2023-02-27 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: FL

Complaint narrative:
This is a violation 15 U.S. code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit information. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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