vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit immediately.

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 2022-08-15 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: IN

Complaint narrative:
The Credit bureaus stated that account XXXX XXXX  # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 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.

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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Money Gram Transfer Issues - funds were never made available to the receiver on the disclosed date of availability. 

I made a money transfer through Money Gram on XX/XX/2022. According to the receipt, the transaction completed on XX/XX/XXXX and the fund will be available on my receiver account on XX/XX/XXXX. My receiver never received the money. I filed a complaint and I waited almost 90 days for the resolution. On XX/XX/XXXX, their investigation team made a conclusion that the error in fact occurred. Conclusion After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received on XXXX XX/XX/2022. As such, you are entitled to a refund of the transfer fee paid with this transaction, which was $ XXXX.They only refunded me the transfer fee which is {$0.00} because it was my first time using money gram and they have {$0.00} transfer fee promotion for the first time user. 
I was not happy with the resolution. I emailed their customer support and when called, they have put me on hold, transfer me to one department to another and told me that my case was closed. There is nothing I could do and to put another complaint and wait another 90 days. I put in another complaint on XX/XX/XXXX and never received any notification regarding the complaint except the confirmation email saying theyve received my complaint. And it has been 15 days since. I call again today and was put on hold, transfer from one department to another department again and again. I asked them to transfer me to the resolution department but my request got denied. I emailed them but no response back. I can not get to anywhere. This is frustrating.

I called and emailed them saying this have a proof of both me and my receiver bank statement from the month of XXXX. Money Gram took my money out but my receiver never received the funding. Their customer support can not help me with anything except putting me on hold and repeating the resolution. I would like to put a complaint against Money Gram. I believe I am not the only customer that being ripped off my this company. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you

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 2022-08-15 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: PA

Complaint narrative:
XXXX and transunion are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted

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 2022-08-15 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: Coinbase, Inc.
State: IL

Complaint narrative:
I have held an account in Coinbase and Coinbase Pro for 3 years. 

In XX/XX/2022, upon logging in to Coinbase Pro, I received a message that Coinbase Pro is being phased out and that I should tranfer the funds to Coinbase. Upon doing so, I received an email on XX/XX/2022 titled " Your account is being reviewed '' by Coinbase, which advised that " Account reviews usually take a few days. During this time, you wont able to trade crypto or withdraw funds from your portfolio. '' Upon logging in to Coinbase, I was prompted to perform an " enhanced due diligence '' verification due to the " high volume of transactions '' ( despite having made 1 transaction in 1 year ). I performed all requested verifications, but my account remains on hold. When I login to Coinbase, a banned message appears : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' Coinbase is abusing the enhanced due diligence process to freeze funds and prevent withdrawals, because they are faced with a liquidity crisis. I am being unlawfully prevented from accessing my funds by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

CAPITAL ONE AUTO FINAN ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXX XXXX XXXX  XXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX and emailed her at XXXX, sending her correspondence dated XXXX that confirmed the bank added a revocable trust as the beneficiary to a checking account and a savings account. I also emailed the trust documents, death certificate, and my photo ID. XXXX got her supervisor, XXXX, involved on the call. I was told theyd check with legal and call me back. XXXX called me back the same day. I was told legal checked with XXXX XXXX, one of the authors of the original correspondence, and legal confirmed Santander sent confirmation of adding the beneficiary to the accounts but have no explanation as to why the trust is not currently listed as the beneficiary on these accounts. The account holder died and I am the trustee of the revocable trust. I am trying to close the accounts but Santander refuses to honor the Trust as beneficiary. Santander is claiming I have to get a letter from probate court. However, the whole purpose of the account holder creating the trust and listing the trust as the beneficiary on her accounts is to avoid the time and expense of probate. On XX/XX/XXXX, letters arrived from SantandeXXXX stating they are going to close the accounts and escheat the funds to the state of South Carolina due to inactivity. I can not get XXXX or XXXX ( or anyone else ) to return my call or respond to my follow-up email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
I've tried multiple times to have this removed from my credit report and have gotten nowhere with these companies. Saying I owe money for my commercial driver 's license that I've had long before any of the dates started thats associated with this account. My cdl-a license on XX/XX/XXXX from XXXX XXXX Who in the right mind would pay for training that they've had prior. It's absurd. I feel discriminated on because I'm half XXXX half XXXX XXXX XXXX. Furthermore this is a violation to my right to privacy. I've never given permission to anyone to pull, post, browse, or do anything involving my credit reports for XXXX, XXXX, and XXXX. I would like for this to be taken off all three bureaus. XXXX people everywhere. I can't by a can't buy a car, house, or anything of value with this XXXX on my credit report for on account XXXX lockhart, morris, and Mont. Dated on XX/XX/XXXX. Remember I got my license before that date above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
This is not my debt ive told them that was in the XXXX  when these purchases happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: OH

Complaint narrative:
Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky  and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio  all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from JCPenney, asking if I had made a purchase of {$2700.00} from their location XXXX XXXXXXXX, XXXX XXXX, TX. I indicated that I didn't recognize that transaction per their email sent and I also called. They indicated they would be closing that card and I would receive a new card. On XX/XX/XXXX, I received another email for another transaction for {$200.00} from the same location, I followed same steps as above. On XX/XX/XXXX, I received another email for a total of three transactions : XXXX XXXX {$1700.00} ; XXXX  XXXX {$4800.00} and XXXX XXXX {$6900.00}. I called again and let them know that was not and that my credit limit was only {$2400.00} and asked how these transactions continued to go through, they told me that there had been a credit limit increase request and it was approved for {$6900.00}. These charges were on cards that I had even yet to receive in the mail. How can they increase the credit limit without speaking me?? or calling to verify? what controls do they have in place to check to make sure it's the actual customer? I've made multiple calls to JCP, they continue to indicate they are working on it but the conversations do not sound promising, I've cried on the phone begged for help because I am now receiving billing statements. I have a statement from XX/XX/XXXX indicating I owe, {$6100.00} with a payment due of {$62.00} on XX/XX/XXXX. I am extremely worried and concerned this is going to impact my credit and credit score, with the increase I didn't ask for, I've asked them to close ALL accounts. Please help me resolve as soon as possible. You would be able to see from my credit history with JCPenney, that I don't use my card but maybe once a year during the holidays, and never for those large sums of money.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I'm getting a steady stream of 'rejection letters ' from Comenity Bank of XXXX XXXX Ohio XXXX despite never once giving them permission to look into my credit let alone actually applying for credit with Comenity Bank XXXX I've contact them on many occasions over this matter and it has no where with them. This steady stream of unsolicited inquiries into my credit/ rejection letters has not hurting my credit history but also my repuation. I've contacted the Attorney General of XXXX the XXXX  of XXXX twice/ the credit bureaus on many occasions/ and this third time I've contacted this department about this very same issue and has gotten nowhere

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: LA

Complaint narrative:
Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX. '' acct # 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.

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 2022-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX. '' acct # 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.

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 2022-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX. '' acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The ATM at Wells Fargo Bank is accepting deposits and provides a receipt for the deposit. The next day the bank makes an adjustment to my account removing the deposit. When calling, you get transferred from one department to the other. over 1 hour on the phone, only to be told to wait 2-10 days for a copy of the returned check. This has happened to me 2 times once for {$280.00} and this time for {$720.00} on XX/XX/2022. I received a letter today XXXX showing : " While processing the transaction a system error occurred resulting in us recording a deposit of {$0.00}. As a result, we deducted the {$720.00} from your account. WE MAY REACH OUT TO YOU IF ADDITIONAL ASSISTANCE IS NEEDED TO RECOVER THIS TRANSACTION ''. My complaint is that Wells Fargo is taking customer money with no accountability.

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