vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX OMB controller currency CFPB mortgage loans originator XXXX I have not received any funds or can open any account dealing with my shares in the company people using false information tampering with investment funds trust account giving me problem about setting up weath management account I'm asking if you don't have shares in the company refusing to open my account so I can management my asset stocks an shares personal funds holding on to no body fille any taxes fraudulent sents 2020 who is handling my funds why haven't my wealth management not being provided trust account irrevocable trust grantee requested XXXX XXXX holding fund 's from me illegally activities operation tampering with my account I'm requesting stocks documents someone claimed owner shipp powers of attorney over asset tired getting turn down were is my funds at open my weath management account stop asking me to pay funds already in my broker 's account brokers account need to be open tired fille lawsuits file report tampering with my funds not filling taxes

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 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was contacted through XXXX marketplace for a rebuilt transmission. On XX/XX/XXXX the first payment of {$1500.00} was sent, through XXXX, to XXXX XXXX. Following completion of the build, XX/XX/XXXX, the remainder, {$530.00} was sent through XXXX. I was told the part would be shipped the next day. I was told it would be delivered XX/XX/XXXX. No transmission was delivered. XXXX XXXX then informed me it was delayed and would be delivered XX/XX/XXXX. I repeatedly asked for a tracking number that XXXX XXXX was reluctant to give. On XX/XX/XXXX, the transmission was not delivered. I was informed it was damaged in transit and XXXX XXXX would be picking it up from the shipping hub. On XX/XX/XXXX XXXX XXXX reported he had it back in his possession, would repair it, ship it out and provide a tracking number. On XX/XX/XXXX XXXX XXXX informed me he would be shipping it soon. On XX/XX/XXXX he informed me it was shipped but didnt provide a date or tracking number. On XX/XX/XXXX I still had not received the transmission or a tracking number and requested my money back. XXXX XXXX was unable to refund my money totaling {$2100.00}, and has ended all communication.

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 2023-03-03 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: DC

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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq.

4 Pub. L. No. 108-159, 117 Stat. 1952.

5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.

6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and

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 2023-03-03 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: DC

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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq.

4 Pub. L. No. 108-159, 117 Stat. 1952.

5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.

6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was directed to call My synchrony bank phone number XXXX from my Venmo card services and once I call a number calls me at the same time this was at XXXX pacific time because my transfer of XXXX didnt show in my account like it said it would in the app

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: TX

Complaint narrative:
In 2017, due to hurricane Harvey a declared natural disaster here in XXXX, Texas, My vehicle was totaled due to extensive water. My insurance company XXXX at the time, had me get a payoff amount from Mechanics Bank Auto ( account # XXXX ). Once received My insurance company paid out the vehicle in full to mechanics bank auto, and the account was closed. After this transaction I never heard from mechanics bank again. I have never received any bill or paperwork that stated that I owe {$81.00} which was later charged off by Mechanics Bank Auto. There is no way mechanics bank should be able to verify that to the credit bureaus and I questioning what investigative means was used to gather such info. The account should be paid in full. After I disputed the info, the creditor placed a derogatory remark on XXXX and XXXX causing my score to drop from an already closed account. So instead of just affecting XXXX I have this issue on all of my credit reports. A closed account should rarely ever change payment status to negative after being closed. This account is 6 years old and has reported inaccurately the entire time. I would like the account removed from my credit reports or corrected to display paid as agreed as the only status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: PA

Complaint narrative:
This Inquiries in not mine and it's totally Faud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
received auto loan in 2017 after hurricane Harvey the vehicle was a total loss due to water damage and uninsured motorists disputed account and it was removed from my credit report and later that year was traded to my report. My XXXX for a XXXX XXXX  car is extreme.

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 2023-03-03 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: PA

Complaint narrative:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank has refused to acknowledge a recorded call that my late mother XXXX XXXX had stated on XX/XX/XXXX that none of other children are to have access to her Bank Accounts. However on XX/XX/XXXX they allowed my sister XXXX XXXX to withdraw all of her money out of her accounts despite the court ruling removing her as the Power of Attorney. And since then PNC has been vindictive against me and most recently refusing to close one of my Savings Accounts with only XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is once again being XXXX  by denying me a loan modification and a refinance due to my 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 2023-03-03 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts.

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 2023-03-03 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: PA

Complaint narrative:
This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called XXXX XXXX  / XXXX which was resolved with XXXX in XXXX of XXXX. On XX/XX/XXXX another inquiry from XXXX XXXX XXXXXXXX showed up again this time on Equifax this time when I disputed the hard inquiry I was told that even though I have a fraud alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. I am a victim of repeat fraud with this particular company XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: AE

Complaint narrative:
I don't know who is looking at these complaints or is looking into this investigations, but who ever is conducting the investigation is completely ignoring the facts that I have presented in the documents attached. which means that they are reviewing the documents with the violation that I have circled in red, and blatantly ignoring them. How can an investigation of illegal re-aging come back as verified and accurate? wouldn't that suggest that the investigator is agreeing to what i am saying and pointing out? XXXX XXXXXXXX XXXX XXXX  dba XXXX XXXX is illegally re-aging collection accounts reporting on my credit. This is a serious violation of the FAIR CREDIT REPORTING & FAIR DEBT COLLECTION PRACTIE Act and is illegal. I can not get a mortgage loan or the job i want because of these inaccurate reporting. delete XXXX XXXX and XXXX XXXX accounts

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 2023-03-03 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: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a CoinBase account that I use for CryptoCurrency exchange. 

My password to my account was compromised and they were able to get into my account set up two factor authentication without my knowledge and hack my account. 
On XX/XX/XXXX, all my assets in Coinbase account were sold and withdrawn from my coinbase wallet. at XXXX Pacific Time to an account number that is not mine. 
On XX/XX/XXXX, at XXXX card number starting with XXXX and ending with XXXX and expiration date of XX/XX/XXXX was added to my account. Amount of {$3700.00} was withdrawn and transferred to this card with Bank Withdraw Reference numbers of : 1 ) XXXX and 2 ) XXXX. The address of the account is XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
This card was deleted immediately after withdrawing the funds from my account on XX/XX/XXXX, at XXXX. 

On XX/XX/XXXX, there was another attempt to withdraw and transfer {$15000.00} from my XXXX XXXX account to my Coinbase account which was unsuccessful due to insufficient funds in my account, and I received an insufficient fund notice from XXXX XXXX. 
This fraudulent activity was never flagges by Coinbase neither reported to me. 
I noticed this activity on XX/XX/XXXX, and called CoinBase and they told me that my account was hacked, and they have all my information. They immediately locked my account. I have lost all my {$3700.00} fund in my CoinBase account. 

I noticed this on XX/XX/XXXX, and contacted CoinBase. They could not help me to retrieve my money, but they provided the card that was added, and money was withdrawn to as well as the address associated to that card and Bank Withdraw reference numbers provided. 

I submitted IC3 FBI report as well as Police report with Incident/Report No : XXXX at XXXX XXXX , CA Police Station . 

My account was compromised due to insufficient security and I was not notified and Coinbase is not taking any responsibility. As a consumer, I trusted this organization with my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with netspend an online banking app that I have used for over 7 years NEVER HAD ANY ISSUES UNTIL AFTER COVID-19 since XX/XX/XXXX this company has gone down hill! OFFERUP IS THE ORIGINAL MERCHANT THAT I HAD THE DISPUTE WITH FOR OVER {$190.00} IMMEDIATELY I REALIZED THE MISTAKE CALLED THE MERCHANT ( they were more than apologetic for the bill ) BUT IT WAS XXXX THAT HELD THE ABILITY TO REFUND THE MONEY DUE TO OFFERUP USING XXXX AS THEIR THIRD PARTY PAYMENT PEOPLE so I call XXXX aka XXXX XXXX.. THEY SAID WE ARE NOT DISPUTING THE DISCREPANCY ; but when there are multiple requests for refund all at once we have a computer generated denial that automatically generates SO WHAT XXXX TOLD ME PERSONALLY NEEDS TO HAPPEN IS MY BANK NEEDS TO JUST SIMPLY CALL XXXX XXXX WITH THIS REFERENCE # .. and initiate the refund process and we would be more than happy to refund the XXXX .. tic toc tic toc FOUR MONTHS LATER STATUS OF THE DISPUTE???? PENDING INVESTIGATION I HAVE SPOKEN TO THE MERCHANT MYSELF BOTH OF THE MERCHANTS INVOLVED AND THE ONLY PROBLUM/ HOLDUP IS MY SO-CALLED BANK!!!!!!! I called them over and over they hangup on me claim I can not speak to the CLAIMS DEPARTMENT and they have no way to reach them!!!! PLEASE WHEN I ASK TO SPEAK TO THE SUPERVISOR ON DUTY I STAY ON HOLD UNTIL THE LINE DISCONNECTS OR IM REROUTED TO THE BEGINNING OF THE AUTOMATED PHONE SERVICE and am greeted with please enter you debit card number?!?!?!?!! 
PLEASE HELP THIS IS DUMB AT THIS POINT I JUST WANT MY MEASLY XXXX back and to close my account while holding this fake banking system ACCOUNTABLE!!! that is OPENLY AND CLEARLY ROBOTIC IN NATURE VERY unempathetic to the devastation this has caused a already struggling customers situation, in conjunction with providing unethical services to a loyal consumer, or any financial institution who manages issues with a customers funds or disputes with a merchant in such an unprofessional fashion with zero regard to their customers escalating financial situation worsening when the fix is a 5 min call!!!

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