vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
WFB COMPLAINT XX/XX/2021 I APPROACHED THE DRIVE-BY ATM OF WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX 

I USED MY CARD TO ATTEMPT TO WITHDRAW {$300.00}, PUNCHED IN THE INFORMATION AND WAITED FOR THE MACHINE TO SPIT OUT THE BILLS. 

THE ATM DID NOT RESPOND AND AFTER SEVERAL MINUTES I DROVE AWAY AND HEADED FOR THE BANK LOBBY TO FILE A COMPLAINT. I TALKED TO A BANK EMPLOYEE ( I HAVE THE NAME IF NEEDED ) AND HE TOLD ME NOT TO WORRY, THAT THE BANK HAD DEBITED MY ACCOUNT BUT THE CCTV CAMERAS, HAVING RECORDED THAT I DID NOT RETIRE THE FUNDS, WOULD CREDIT BACK TO MY ACCOUNT. 

THE BANK SENT ME A LETTER THAT THEY HAD DECIDED IT WAS NOT THE BANKS FAULT BUT MINE THAT I HAD LOST THE FUNDS. AND THEY DEBITED AGAIN MY ACCOUNT. 

I CALLED UP AND ASKED THEM TO REVIEW THE TAPE TO VERIFY THAT I HAD NOT RETRIEVED THE {$300.00}. THEY REFUSED TO TAKE ANY ACTION. 

I SENT A COMPLAIN TO THE BANK CORPORATE OFFICES XX/XX/2021 AND THEY AGAIN REFUSED TO REFUND ME THE MONEY LOST.

DOCUMENTATION AVAILABLE.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I enlisted XXXX to assist me with credit card relief/negotiations. One organization they are helping me with is SoFi. I have two loans through them. 

On XX/XX/21 I sent Sofi two certified letters requesting they cease communication with me save for the US postal service. The letters also instructed them that I am working with XXXX to settle the debts. 

Starting on XX/XX/21 XXXX has called me 3 times a day, 6 days a week, at approximately XXXX, XXXX, and XXXX. These calls still ongoing as I write this complaint on XX/XX/21. This, to date, is XXXX phone calls just to me in addition to at least 7 calls to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
DRS IS REPORTING ERRONEOUS COLLECTIONS ON MY CREDIT REPORT BACK FROM XXXX AND IS FAILING TO RESPOND AND/OR VALIDATE ACCURACY AND OTHER DETAILS OF THESE ACCOUNTS AND THEIR CONNECTION OR RIGHT TO COLLECT ON THE BEHALF OF THE ORIGINAL CREDITOR WHOM I DO NOT RECOGNIZE.. DRS Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX DRS Account number XXXX Recent balance {$300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw {$2000.00} from my Coinbase account into my XXXX Savings account, but I did not receive the funds. After analyzing the transaction history, I realized that it was sent to a different XXXX XXXX account. As I continued to look at my linked bank accounts on my Coinbase account, I noticed there were 2 different XXXX savings accounts linked to my Coinbase account. This is a problem because I only remember linking 1 XXXX savings account. 

Because of this, I believe my Coinbase account must have been hacked and this extra XXXX savings account was added without my authorization or knowledge. Since I only added XXXX XXXX savings account to my Coinbase account, I must have selected the unauthorized and unknown XXXX savings account for the XXXX transaction because both accounts were labelled " XXXX Savings ''. 

I have no idea or no knowledge of how this unauthorized XXXX savings account showed up on my Coinbase account. In addition to this, I've only had one XXXX savings account and XXXX XXXX checking account in my lifetime. This can be verified through XXXX if you wish to contact them. 

I have tried to resolve this issue with Coinbase and attempted to get my money into the correct account, but they informed me that they can not do anything about it because I was the one who authorized the ADDITIONAL XXXX savings account, therefore it was my fault. This does not make sense because there is no other way for me to have known the full account number of a whole different XXXX savings account if I only had XXXX XXXX savings account to begin with. I also contacted XXXX to see if they would be able to track where the money went, and they did confirm that it was sent to someone else, but they could not do anything about it either. 

I have a picture of the {$2000.00} transaction that was sent to the WRONG and UNAUTHORIZED XXXX savings account that was somehow added to my account. I also have a picture with the email I received from Coinbase who claimed they could not help me ( with a case number ). And I also have another picture of another transaction on XX/XX/XXXX where I was able to successfully withdraw {$110.00} to the CORRECT XXXX savings account. Again, this can all be verified with XXXX that I have never had 2 XXXX savings account. 

If you need any other documents to help support my claim, please let me know and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I emailed the president of CapitalOne on XX/XX/2021 regarding a unauthorized closed account. This is the second account CapitalOne has closed on me. I tried to resolve this matter with CapitalOne and no one has reached back out. Now they are reporting high credit utilization, continues to added and charge interest on a card they closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXXBalance : {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a new card with Bank of America for a balance transfer. It took BoA a number of months to show the transferred balanced. Finally BoA sent a statement in XXXX that indicated not only a balance but a late charge. 

I paid the total immediately using my chase account as well as the XXXX balance so this would have been less than 30 days after BoA claims I missed a payment. I also configured autopay at this time. 

BoA waited another month and then reported XXXX as 30 days past due! I discovered this when they sent a letter indicating they were reducing my limit. This gave me an artificial high utilization and the combination destroyed the excellent credit rating I've carefully cultivated for years chopping it to a 'good ' overnight. 

Since BoA was unwilling to fix the score I contacted two of three major credit bureaus. XXXX 's dispute mechanism seems to be broken. XXXX refuses to correct my report, siding with BoA despite my ability to show proof of payment within XXXX. 

It is impossible for a payment in XXXX to be 30 days late from a bill BoA claims was due in XXXX even if they had actually sent me a bill to indicate a payment due in XXXX ( which they did not ). 

This is BoA up to their now notorious anti-consumer tricks, manufacturing late fees and destroying people 's credit to keep them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: MI

Complaint narrative:
XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

EQUIFAX is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I am a 100 % XXXX veteran on a fixed Veteran 's XXXX compensation. My monthly income from my VA XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ). 

Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$2500.00} as a " partner '' to cover the start-up expenses like filing the business documents with the State of California and the local government. This money wasn't readily available to me so I went to " Aspen Direct '' online to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$2500.00} - at 130.93 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract. I made all of the payments on-time and out of my personal XXXX funds. 

Approximately six months later. I received a notification that I could increase the loan principal if needed. Because of the situation with the " business '' I was trying to participate in, I accepted the offer and took out the additional amount still not understanding what the interest would mean as far as a repayment. 

I was paying these loans out of my personal fixed finances until the business was able to take-over the repayment. At that time, I called Aspen Financial to change the payment account to the business and authorized auto-pay. 

As a result of COVID-19, I was unable to make payments. I called Aspen Financial to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and that my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately. 

I made multiple attempts to work with Aspen Financial but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NY

Complaint narrative:
on XX/XX/2021, i wrote letters to XXXX , XXXX , and Transunion regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent 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 explanation
Consumer complaint received 2021-11-03 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: NY

Complaint narrative:
on XX/XX/2021, i wrote letters to XXXX , Equifax , and XXXX regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Problem with personal statement of dispute
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX XXXX LA - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " XXXX XXXX XXXX '' and others. As I was waiting for XXXX 's reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the Sequoia Financials - SF. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and SF ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. SF reported my " debt '' to XXXX ( XXXX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by XXXX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX, XXXX and SF. I have to add XXXX also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to SF. Moreover, XXXX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXX-SF-XXXX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records.

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}

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 2021-11-03 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: MI

Complaint narrative:
XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXXst. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION LLC is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-11-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to these Experian on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO EXPERIAN, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: ID

Complaint narrative:
I paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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 2021-11-03 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: MI

Complaint narrative:
Good evening, I am reaching out because I seen two incorrect reports on my motor vehicle report. Unfortunately my XXXX XXXX drives without a license and when she does get pulled over uses my name. At the time of both of those incidents I was working. I have been trying to work on getting my record clean and free of any reports made to it. I think its very unfair to me that I have these incidents on my report seeing as I wasnt the one that received them. I have points on my license for something that I did not do. Not once did the officer think to check her id because if they did they wouldve seen that she isnt me and not even close to. I just want to be able to remove those two because I did not in any form authorize for her to use my name, address, or lie on my license. Please help

Company response to consumer: Closed with explanation