vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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: LA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my Federaly Protective consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years.

A person should not furnish any information relating to a consumer by any consumer sumer ageny

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 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HANCOCK WHITNEY BANK
State: CA

Complaint narrative:
I sent {$100000.00} to my XXXX IRA, missing 18 cents When I wire transferred the 18 cents their bank they chaged me {$15.00} for the 18 cents I am a retired person XXXX years old with a family, and I learned that I need to save even my pennies for my retirement. The bank name is XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX My XXXX XXXX  branch in XXXX CA , didnt charge me anything for my wire transfer I need a refund for my {$15.00}, as for me as a retired person, not a small amount Thank you in Advance Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX CL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo unnecessarily delayed a XXXX transfer.

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 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
balance is incorrect and keeps reporting incorrectly, it was repossed and included in a XXXX i am requesting a full account history including original contract with my wet signature and validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX in response to the above claim they stated that XXXX was owed. On XX/XX/22 i received notice that the balance owed was XXXX how is on day one amount and another day a different amount .The lack of investigation and full proof of monies owed is hurting credit report and consumers everywhere while they have shown that can not be trusted i demand that this be removed from my report immediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times, but the problem has not been resolved! please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
upon checking my credit report, i saw this account from CREDIT COLLECTION SERVICES reporting. I never conducted business with this company, never signed an agreement with this company, never gave this company permission to report information on my report nor did i provide them with my nonpublic information. CREDIT COLLECTION SERVICES is infringing upon my rights to privacy and defaming my character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX FL, XXXX, I attempted to use my Coinbase-issued XXXX XXXX  card at a XXXX XXXX ATM machine . Coinbase advertises that their debit card holders can withdraw money from most ATM machines and the only fee is the ATM fee. I attempted to withdraw {$900.00} in which my Coinbase account had over {$1400.00} at the time of the withdraw. Upon attempting the withdraw my account with charged for the {$900.00} but the money didn't come out of the ATM. When I contacted customer support 30 minutes after the withdraw they assured me the money had already been credited back to my account but it wasn't showing up. Coinbase has never denied that the money didn't come out of the ATM. 

It is now XX/XX/XXXX when I am writing this complaint. I have spent 7 hours+ on the phone with their customer support in over 20 different phone calls. They refuse to help me, their support is constantly hanging up on me even though I'm calm. I have been back and forth with emails 15 times or so and they are incompetent and refuse to look at my account to verify if what I'm telling them is true. It is the worst company I've ever done business with, let alone a financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed with Experian on XX/XX/XXXX via Certified Mail regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX. 

XXXX XXXX XXXX XXXX XXXX Loan Partial Acct # XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # XXXX. 

I have disputed these accounts on multiple occasions. 

They received all XXXX letters via XXXX Mail on or around XX/XX/XXXX. I have not received any of my dispute results since then. It's been more than XXXX days. The disputes are regarding multiple months that are reporting inaccurate and incomplete information on all accounts. 

Please see attached letters, credit reports, and bank statements.

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citi locked my card because I made a purchase that was over {$200.00}. I called customer service and they wanted to send me a text to verify my identity. I have had the same cell phone number forever and its the same number on my account. I never got a text. I asked for a supervisor. The supervisor said they would call me back on my cell number. I received XXXX calls from him but each time I would answer, there was no sound on the other end of the line. I called back again. Even though I verified all of my personal information, my security question, and was calling from my own number I have to wait for a letter to use my card. So even though they advertise rewards points, I can not use the card for my XXXX purchases and earn rewards.

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 2023-01-01 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: LA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: LA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my Federaly Protective consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny

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 2023-01-01 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:
In accordance with the Fair Credit Reporting ACT the following banks have violated my rights and reported inaccurate late payments : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had an account with Wells Fargo that was overdrawn. I moved during Covid to another state and lost track of acct thru Wells Fargo. I received a letter that said I owed {$2200.00}. From what I have no idea. Went into my local branch on XX/XX/2022. Sat down with manager that researched my account with Wells Fargo. She confirmed I owed {$360.00}. I paid immediately in cash. Have the receipt. The manager said this would be off my credit report within 30-60 days and hopefully I will be able to open up a checking account with any bank in the near future. Because of this Wells Fargo account I am constantly denied anytime I try to open up an account at any bank. I currently do not have a bank account. This is still on my credit report and I got a recent letter saying I owe {$2200.00} again

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 2023-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a FHA mortgage loan on XX/XX/22 with PenFed credit union. The loan officer I dealt with pre approved my application awaiting a contract, I submitted a signed contract for a home on XX/XX/22, after two weeks of emails, phone calls I heard nothing until I called the direct line and found out that loan officer was no longer with the company so I was assigned another loan officer, XXXX XXXX, after submitting another application and all the documents with him I was assured all was in order and I would be approved with closing date of XX/XX/22 changed from XX/XX/22. Two days before closing I was informed by XXXX XXXX that the loan was declined due to an FHA regulation on the time the house was put up for sale so I would again have to redo the application, contract, etc. and change closing date to XX/XX/22. Was told on numerous occasions all would be approved now with the date changes. Again, two days before closing I was informed that the loan was declined for " income '' and I would receive a notice. I truly believe I was discriminated against because of age/sex. I have since applied with another mortgage company with all the same documents/information and was approved with no issues!

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 2023-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
It starts with Solar XXXX XXXX. They initiated the process of selling me solar panels. They put them on my roof but never set it up properly. They won't fix it, employ unqualified people, and it's been several months. 
Mosaic is the loan company trying to charge me {$26000.00} for the loan while I haven't recieved what was promised. 
Mosaic has notified XXXX XXXX debt collectors that I haven't made any payments and will IMPACT MY CREDIT. On what planet is it okay to put a decoration on someone's roof for XXXX? Thats what the solar panels are if they aren't functional. I talked to the solar XXXX XXXX workers, I am not the only person. They said some people have been waiting 8+months for an install. 
This can not be allowed to continue. Solar XXXX XXXX and mosaic are scamming people that want to better the environment by switching to solar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: KY

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 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i have tried XXXX to resolve this issue with synchrony bank, a credit card i have with t.j. maxx. in XXXX i alerted them with chat room email them and called them to try and stop a charge i saw pending! the amount {$95.00}. they would not fight on my behalf with the company. the company tried to fool them by saying they refunded my money! they lied! they charged twice for 2 separate charges and when i used the phone number that was on my payment list connected to this charge, they say " oh, that was for an online exercise program and now it has expired! i never ordered no such thing! i closed this account number and ordered another number that i put on hold. i want some recognition and compensation of {$95.00}.

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 2023-01-01 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: KY

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 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-01-01 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: KY

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 U.S.C. 1681 XXXX XXXXl account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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
Consumer complaint received 2023-01-01 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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