vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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:
On XX/XX/2021, we went to the Wells Fargo ATM machine located on XXXX XXXX XXXX of XXXX, and attempted to withdrawal {$700.00} from my checking account. The account was debited, and no cash came out. I tried to resolve with Wells Fargo bank by escalating this issue. My account now has only {$300.00} and the amount that was deducted from my account of {$700.00} was not returned to my account. The screen shows no cash is available at this machine. I took a picture of the ATM machine and called Wells Fargo bank and they won't credit my account. Now I'm out of {$700.00}. The problem is that I need the cash. The issue allegedly can not be resolved for 10 days. The bank has taken my account XXXX and I am unable to access my fund as the balance was deducted {$700.00}. The Wells Fargo bank refused to assist me other than stating that it'll take XXXX to 10 days to investigate. This is robbery. I'm outraged.

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened this checking account with a promotion which states that if i do a direct deposit for XXXX  months - I am eligible for {$200.00} cash back bonus. But when i chatted with customer service it seems that it is not the case. 
Direct deposit has been done in XXXX, XXXX and XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent XXXX XXXX a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
On XX/XX/2020 i went to a store XXXX XXXX to purchase furniture. I bought two items totaling {$850.00} as i was going to pay i was offered a 3 month payment plan through their creditor Acima. I accepted it and was aporoved for {$1700.00} line of credit. I paid {$50.00} out pocket that day. Then they set up my payment plans to XXXX monthly for the mentioned time of 3 months. Calculating the payments they did not add up to the total amount, but i had no way of contacting thr company, other than the seller. My contract was not sent to me via email nor eas it uploaded on.the website. Til almost the last month when i had to update my card info, and they contacted me i was explained that my remaining balance was way more than what i bought. The reason being that was supposed to pay the remaining amount without knowing to cover the total amount purchased in 3 months. This is a fraud because they intentionally put my monthly payments to XXXX instead of the amount totaled divided in three. This being because if the total was not payed the amount of XXXX would extend 12 months more without notice. I was never noted this from thee seller nor the company. A {$850.00} total now is being added {$1000.00} plus tax. I believed i was lied too, to lure me in their system by falsely promoting a 3 month pay system when they intentionally make it not payable in the 3 months mentioned and extreme interest maki g them gain so much from their clients. Im sure im not the only one. This company needs to be stopped. Its not fair that during these hard times companies like this one are taking advantage of us by falsely advertising promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been in contact with XXXX since the beginning of XXXX  when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : 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 

ALSO THESE ADDRESS ARE REPORTING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been in contact with XXXX since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : 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 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On Monday XX/XX/2021, A hacker broke into my coinbase.com account ( after changing the password ) and three minutes later transferred 99 % of my crypto balance of XXXX CVC coins ( worth around {$3500.00} today ) out to their own crypto wallet illegally. I would like Coinbase to restore the XXXX CVC into my account on the following bases : 1. Failed to protect a consumer from illegal password change ( from unknown location ).

2. Failed to protect a consumer by disallowing transfers out within 24 hours of a password change ( no other serious financial application or entity allows transfers out within 24 hours of a password change ).

3. Failed to detect illegal and unauthorized transactions based on various red flags ( new IP, changed password, wiping the account empty within minutes of changing password, connection over a VPN ) etc.

4. No crypto exchange should be allowed to operate with such loose or non-existent consumer safety and security policies. Coinbase should be penalized for jeopardizing and exposing their consumers in a massive way.

I would like CFPB to investigate how a major crypto exchange is exposing consumers to major fraud by failing to implement simple policies like disallowing transfers out ( especially to other crypto wallets ) immediately after changing a password from a new location from customer 's regular IP address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is a formal complaint against Rent Debt Automated Collection located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Rent Debt Automated Collection has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hi MidlandMCM ; I never had any relationship with you nor the original creditor XXXXXXXX XXXX! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
FFCC-CLVLAND ( Original Creditor : XXXX XXXX XXXX ) date opened ; XX/XX/2017 {$480.00}. 
I personally does not recognize this service. I've tried multiple times reaching out to XXXX XXXX XXXX to obtain more information, nobody could help me understand how this charge/service was obtained. This has really been preventing me from moving forward with my life ; i can't get any kind of loan or not even an apartment. This is a violation of The Fair Credit Act. This collection is inaccurate, wrong, misinform, unrecognized information this is on my credit report, which is preventing me from moving forward. its bad enough that COVID 19 has taken away my job, i don't need anything else to stress me out. I hope that CFPB can resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This issue involves my request to have my replacement card XXXX MAILED to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2021, Captial One emailed me document links that I could not open after repeated attempts. Capital One requested copy of " Personal Indentication. '' For intregrity reasons, _Capital One - Deceptive Business Practices, Failure to Disclose Specific Information_I requested my Ohio Senator XXXX XXXX Office to forward the front and back of my U.S. Passport Card.

Capital One responded in a response to my Senator that Capial One could not accept my U.S. Government Issued Passport Card. Capital One NOT once specified what documents were acceptable.

Furthermore, Capital One has insulted my integrity. I have faithfully paid and kept my credit card account in good standing and I do NOT engage in any criminal and or corruptive activites in any shape, fashion or form. Capital One insulting of my integrity is NOT appreciated. 

It is NO wonder why in XX/XX/2021, Capital One was charged for willful and Negligent Violation of Bank Secrecy Act. Ordered to pay {$390.00} million in fines. Capital One is not worth my patronage. Capital One is Deplorable!!! 
On XXXX XXXX, I phoned Captial One and explained that I was overseas and offered my telephone number, but representative XXXX said NO Capital One would not call me overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Check n Go states I took a loan for {$520.00} and they were offering a settlement of {$300.00}. They said the settlement back in XXXX was only good for that particular day, after that it would expire. 

I advised that this debt was time barred. They stated I made an agreement to pay this off in XXXX. This did not happen to my knowledge and they stated they have a recording of the phone call. 

They threatened me with my local court office and are filing a complaint. I can assure you that this debt is time barred simply for the lack of contact by myself and when the loan defaulted. This started in XXXX. For them to find a way to say it was restarted back in XXXX or XXXX is just false. Maybe they started attempts at collections again but nothing was ever agreed upon or spoke about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC.
State: WA

Complaint narrative:
I received a notice that I owed over {$43000.00} for a vehicle accident I was involved in, but I was not the at-fault party in the incident. Out of the blue, over a year after the incident I get contacted by a collection agency asking for the money. I spoke to my family 's lawyer and he helped me draft a cease and desist letter via Certified Mail asking that they not contact me regarding this matter. This was on XX/XX/XXXX. On XX/XX/XXXX a new company sent me a letter regarding the same debt. Again, I sent a cease and desist letter which was received by the company on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the XXXX comapny - AFNI - which was dated XX/XX/XXXX. 6 days after they received my cease and desist letter. 

I want them to stop contacting me. The debt is not mine and how they decided to assign it to me months or years after I thought this was resolved is not something I can figure out. 

I am concerned becuase I purchased my first home in XX/XX/XXXX and now have something to lose shoudl someone try to come after me, even if they debt is not actualyl mine to pay. I don't know if the purchase of my home is public record and possibly these creditors or Insurance companies saw that I now had assets that they could go after - but the timing does make me suspicious. 
I don't know what to do. I am not overly concerned as I know the accident was not my fault and that if this ended up in court I would be fine based on the facts - but I also know that Insurance Companies, Lawyers and Collection Agency can be predatory and often have no regard for the truth. 
I researched my options and filing a complaint seemed like the logical next step in protecting myself and my family from this harrasment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX I went for my weekly XXXX visit. I usually pay with my TD Visa card. On this particular day I could not use my Visa card. The " XXXX '' had trouble accepting my card. I paid {$35.00} in cash, usual cost of a visit. On my XX/XX/XXXX - XX/XX/2020 TD Visa card statement I was charged {$110.00}. I disputed the charge with Visa. I provided a letter from my doctor stating I paid cash that day. The doctor also informed me that he never received a payment the " XXXX '' either. Talking with Visa they stated that they needed more information from me, but never told me what that information was. Visa denied my claim.

Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail by mail, fax, and phone. They are beyond their limits to provide proof of the are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not. To be noted, Bankruptcy Validation letters were sent twice, over one month apart.

Company response to consumer: Closed with explanation