vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Prior to the pandemic I used my Capital One card to purchase our XXXX XXXX tickets to go from XXXX XXXX to XXXX, XXXX. Before we could fly XXXX closed their borders. XXXX said they would hold our money until the borders were open and then we could use the credit to book our tickets to XXXX. When the pandemic endedXXXX XXXX was no longer flying to the United States. They have thousands of our dollars and we have no way use the money they are holding. Capital One refunded the money to our credit card and then a month later took the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
I am unable to access my XXXX app bank account. I can not login to the application, meaning I can not access my income being paid into this account. On XX/XX/2023 I initiated an online support ticket for help with accessing my account. On the same day, I received a response from an agent named XXXX, asking for some identity verification information. I responded, same day. From there, I didnt receive a response from the company for an additional XXXX  days. The response I received was thanks for your patiencethey will be in touch very soon. During this XXXX  day period, I spent hours on the phone EACH DAY, waiting on hold on the customer service phone line. Each time, I would wait for just over XXXX hour, and the call would disconnect. No one answered these calls, ever. At this point, its been XXXX  days since my initial attempt to contact the company to resolve the issue and give me access to my account and funds. This is unacceptable, and clearly a major oversight by the company. I want access to my account, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-01-25 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 or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/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. 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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/2022, my coinbase account was hacked, and approximately {$1000.00} dollars of cryptocurrencies were sold and the money transferred out. Original total investment in the account was roughly {$6000.00}, but current prices at the time was {$1000.00}. Coinbase has never resolved the problem, and though it's supposed to be insured, says they do not reimburse for hacked accounts. They only reimburse for " theft ''. Not sure how else one can steal money without hacking. They will do nothing, and to-date, I am still unable to get access to the account. It does not send me an e-mail to change my password, or access it. They send me the same repeated e-mail over and over when I reach out to them about checking my spam mail, but it is NOT in there. Can you PLEASE help me get a reimbursement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Got a car from XXXXXXXX XXXX XXXX that car was not working so I took it back to them. I called wellsfargo to advise them that I am no longer in that car they was trying to get me a new one. I was without a car for over XXXX  months and wellsfargo made me make payments anyway. I didn't have that car XXXX  days. It was back at dealership and wellsfargo knew that

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Approximately every 6 months, Synchrony allegedly checks credit, then lowers credit limits on cards. 
They'll approve a XXXX limit, then 6 months later cut it in half or more. 
This is done on accounts that : Have never been used. 
Have less than 30 % usage. 
Have not once been paid late. 

This practice causes the usage percentage to shoot up, the cards to be over limit ( triggering 'over limit ' charges ), and cards to be declined. 

The notifications that the limit is being lowered are not sent until after it's done.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Money was taken out of my account that I never received I cashed the check into my account and I never received the money it was almost worth {$3500.00} and I'm still trying to retrieve funds now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. 
Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NV

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. 
Account name : 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. 

Theres a lot of inconsistencies on my report and 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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I cancelled my XXXX membership in XXXX because I never really found it useful and the yearly fee of {$56.00} I was charged by Comenity was credited back to me. Unfortunately it was credited to another of my credit cards, not to Comenity. So when this was realized, I made the payment to Comenity along with late fees etc. i wrote the check for {$120.00} on XX/XX/XXXX and mailed it the same day. It was not due until XXXX. I also closed my credit card with them. They say they didnt receive the payment until XX/XX/XXXX. Since then I have received 2 more bills and am now up to a balance of {$82.00}. They say they can do nothing about it because I closed my account with them. I have never used their credit card and it is turning into quite an expense for someone elderly and on a fixed income. 
My account information : acct number ending in XXXX. 

Per Comenity : As you requested, we have closed your credit card account. A monthly billing statement will be sent to you until the balance is paid in full. You do not have any available credit due to your account being closed. 
I do not owe them late fees. This is an injustice to me.I would like it cleared up and a statement sent to me with a XXXX balance due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Torriere Holdings INC
State: LA

Complaint narrative:
I received a call from a collection agency stating that I old a bill for {$3000.00} that I was unaware of. So I asked him to send me a copy of the bill or I needed validation of that debt. So when He finally sent me the copy of the bill it was for a bill that was on my credit file that had been been deleted because it had been on credit for 7 years. Well, I told the XXXX collector this, but he failed to respond. He said I steal all the debt and they were trying to collect on behalf of the vendor so I told them that I had did my time. But hes response was he can still collect. I feel this company has pull my credit report and feel that they look at my credit and see that I have reestablish my credit and are taking it advantage of senior citizens. The fact if I didnt have a copy of my old report I would have to pay the to protect my credit rating that am working to protect. I feel they do this practice all the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
The company XXXX LexisNexis and XXXX 's I file a request to opt-out and add a Security Freeze and they wont do as I ask

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a communication from TSI on XX/XX/2023 but have never corresponded with or done business with this company. Further, to the best of my knowledge, I do not owe {$500.00} to any creditor as all of my debts to my creditors are in good order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Somehow my Wells Fargo account got set up for overdraft protection when I previously have not had that feature and charges would decline including reoccurring payments. It took me XXXX attempts to finally get an answer as to why that was happening and I was refunded XXXX overdraft charges but they initially only wanted to give me XXXX  % of the overdraft charges back. A supervisor gave me the whole amount back. I was told I was unenrolled from that, but XXXX  days later I still had XXXX overdraft charges to my account. The second supervisor was a complete XXXX  about it and did not want to give me anything back even though this was a Wells Fargo mistake ( for my account being somehow signed up for overdraft protection. ) She was completely rude and was not going to give me anything back until I told her I was going to open a claim with this consumer protection. She finally gave it back to me after that and then hung up on me. This is the worst customer service and scam. I used to be so happy with Wells Fargo and now they're complete fraud. They are still doing what they got sued for. Representatives are also only allowed to give XXXX  % back which is a total scam also. After speaking to the last route customer service supervisor I went to my account to take screenshots of all the overdraft refunds to provide to this site now I can not pull up all of them because part of my account search feature has been XXXX. Never have I had that happen until now so I can not even take screenshots of all the refunds from them fraudulently charging me overdraft fees.

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 2023-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out a letter out XX/XX/2022 in XXXX to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 


Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-01-25 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: FL

Complaint narrative:
Equifax is reporting the following accounts with balances when in fact they have no balance : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
PLEASE SEE ATTACHMENTS AS IT CONTAINS MY COMPLAINT AND IDENTIFICATION.

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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance is being non complaint on this auto loan I purchased XX/XX/2020 I paid for a warranty {$3800.00} for this car within XXXXmonths when the shock went out on the car credit acceptance told me the warranty had expired may. I had to come out of my pocket to fix the my car. Ever since i then this has been giving problem. I am paying a car that doesn't even work. also the credit bureau is not reporting correct information about this account .The credit bureau has erase all my good payment history from this account .This is not fair. Credit acceptance call me every day XXXX time or even more.This is the worst company I ever dealt with.

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 2023-01-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been unable to get Equifax to update the following accounts. 


XXXX XXXX XXXX XXXX correct balance {$0.00} as reported {$470.00}

Company response to consumer: Closed with explanation