vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: Coinbase, Inc.
State: MS

Complaint narrative:
Throughout the months of XXXX and XXXX of 2022, Coinbase shut off my XXXX card and told me that I can no longer use it to make transactions because I alledgedly violated their Card Holder Agreement. I asked them to explain to me how I violated this Agreement, but they never actaully provided evidence that I violated anything. Instead, they just cancelled my card which prevented me from using it. I caused severe hardship for me and I was stranded while traveling because I needed to use it to put gas in my vehicle while I was traveling in XXXX, but they didn't care. I have several case numbers they provided me, but rather than resolving any of them, they just closed the cases. 

Here are a few case numbers : Case # XXXX, Case # XXXX, Case # XXXX, case # XXXX, case # XXXX, case # XXXX, and case # XXXX. 

The transaction amounts varied ranging from {$100.00} to {$2500.00} which they denied me access to my funds. This is a Coinbase XXXX card and I had more than enough funds on the card, but they still denied me access to my funds during the months of XXXX and XXXX. This put me into a deep state of XXXX and XXXX because I needed to use my XXXX card to run my business so my business suffered because I couldn't buy supplies or use it for marketing. I am still XXXX  over this ordeal and despite numerous attempts to get my card reinstated, they simply deactivated it on me. 

My XXXX XXXX has sky rocketed over this and I put on more than 30 pounds over the past several months because I have turned to food to comfort my nerves and emotions dealing with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My concern is XX/XX/XXXX through XX/XX/XXXX. The transactions for these months do not add up. My XXXX XXXX XXXX statement does not show nor match my Bank of America statement. I have audited my XXXX statement versus my Bank Of America business account statements and see there are clearly additional charges to my bank account that are fraudulently charged. Please review these transactions and help me with rectifying this process. We first discovered these charges in XX/XX/XXXX and immediately requested the debit card used which ends in XXXX be deactivated and have since received a new debit card and have stopped using XXXX XXXX. Additionally, I filed disputes with Bank Of America only to be denied and told to dispute with XXXX directly as Bank of America stated the reason for the denial is I had a window of 48 hours to dispute any and all transactions to be considered. Of course this is frustrating as these transactions are small amounts which totaled a lot over time. Lastly, the representative with your company only listed one transaction in this dispute which looks like it is a valid charge of mine and not a fraudulent charge ie : The XXXX XXXX  statement for XX/XX/XXXX only shows four ( 4 ) correct charges but when compared to my XX/XX/XXXX Bank Of America statement is shows eleven ( 11 ) debits from my account which equals seven fraudulent transactions. Please help me with this matter.

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 2022-07-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX have 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 an account without my written 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 2022-07-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM EQUIFAX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize.

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 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/. 
On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase. 
I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing. 
Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection. 
To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.

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 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: WA

Complaint narrative:
The issue is two fold. The first problem started with an authorized ACH withdrawal of {$60000.00} from my Discover XXXX Account on XX/XX/2022. I saw the charge the day of and immediately went to work trying to get ahold of Discover Financial Services XXXX team to report the Fraud and get the investigation going to meet any reporting timelines. This is where the second issue starts. I've been on hold for hours and the Discover XXXX Team will not answer. Each time after hours of holding the call then drops. As a military service member I don't have the free time to continually make these phone calls and wait. I have the phone call records to show the times and duration of the calls. I've reached out on Discover 's secure message center as well. I also have come to understand this is not a new issue with Discover 's banking side and that multiple people have reported similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish an account with my written 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 2022-07-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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.

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 2022-07-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NY

Complaint narrative:
Equifax is listing this account status as INDETERMINATE while the other bureaus report it as CLOSED. 

Equifax is also listing a date of last activity as XX/XX/XXXX while the other bureaus are reporting different dates of last activity ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). This indicates the account was illegally re-aged. 

The last reported date is also listed as XX/XX/XXXX, which also means this was never legally verified. 

Equifax also continues to report positive payments on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used a Capital One ATM and was charged a service fee of {$10.00} and interest of % 0.50 with no notice of any fee. The XXXX XXXX XXXX XXXX XXXX is amending Regulation E ( Electronic Fund Transfers ), which implements the Electronic Fund Transfer Act ( EFTA ), and the official interpretation to the regulation. In XX/XX/2012, Congress passed and the President signed legislation amending the EFTA to eliminate a requirement that a fee notice be posted on or at automated teller machines, leaving in place the requirement for a specific fee disclosure to appear on the screen of that machine or on paper issued from the machine. This final rule amends Regulation E to conform to the EFTA amendment. 
No fee of any find was on the screen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 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: IL

Complaint narrative:
These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!

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 2022-07-11 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: IL

Complaint narrative:
These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

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 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Refusal of PMI removal due to concern over integrity of home. XXXX of home is a leak that occurred and a insurance claim was filed and paid for. The integrity of the home was not of concern to retain the mortgage or ensure the value of the home remained for mortgage but only matters solely for PMI removal. 

Now that an insurance claim was made on the home in the last 24 months, the integrity of the home has to be proven to remove PMI. This was not a concern for the mortgage itself. There was no follow up from the lender to ensure the repairs were completed at the time of insurance claim, only upon request to remove PMI. XXXX has to be discerned for PMI removal by an appraisal completed by an approved appraisal at the customer 's expense. These additional measures that are above and beyond that of the mortgage company itself convey predatory lending. 

Removal of PMI was requested in XXXX and customer was under the impression that it was removed at that time. Upon auto-pay cancellation or issues in XX/XX/2022, customer located that PMI was still be assessed contrary to that previous understanding.

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 2022-07-11 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The company in question : Credit Acceptance E Corp Purchased vehicle : ( XXXX XXXX ) Date : XX/XX/XXXX made on-time payments each month til XX/XX/XXXX. 

During such time, the engine went out in the vehicle. I voluntarily returned the car ; via being towed after an assessment was determined the vehicle would need an engine replacement. Upon returning the vehicle, the dealership returns {$3500.00} cash back to me in good faith. Unfortunately, the dealership is no longer in business, yet Credit Acceptance E Corp did receive the vehicle back and was able to make additional monies off the vehicle. In regards to my credit report, the reporting of this particular issue continues to disappear and reappear, also payments and the amount owed changes as well. I would like this account completely removed from my credit report until Credit Acceptance E Corp answers and replies in making this matter correct. I never refused to return the vehicle and I was told by the dealership that this would not be considered a repossession.

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 2022-07-11 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $

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 2022-07-11 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $

Company response to consumer: Closed with explanation