vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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

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 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have experienced problems with Coinbase , Inc . 

The problem I am experiencing is that the net invested amount ( showing on the Coinbase website and the Coinbase application ) is not matching the amount that I have invested according to my transaction report ( from Coinbase ) and the transaction history from my personal bank. This difference is not explained by any fluctuations in the asset value, since the net invested amount is supposed to show how much money I have invested on the Coinbase platform, regardless of the fluctuations in any asset. According to the transaction report, I have invested XXXX USD in different assets on Coinbase ( this is the amount invested after all fees ), while the net invested amount on the website and the app has shown lower amounts than this. The amount that has been shown as the net invested amount ( on the Coinbase website and app ) has varied from XXXX USD up to 1952 USD. This was the case when I first filed the complaint on XXXX. However, it is no longer possible for me to view the net invested amount. This according to the support team is due to my location being XXXX, but since I have been located in XXXX ever since I set the account up with Coinbase, this explanation is not sufficient. 

I have had email contact with the Coinbase support team ever since XXXX. I have had to open new cases twice ( but with the same topic ) due to them being closed even though my issue has not been resolved. I have had to consistently reach out after waiting 10-14 days for a response. The answers I have gotten have mainly consisted of troubleshooting measures that I have completed multiple times without any success, and then not receiving any answers dedicated to answering my very serious inquiry of fund imbalance on my Coinbase account. 

In sum, my problem is that I have less funds in my Coinbase account than what the transaction report ( from Coinbase ) and the transaction history from my personal bank are showing. This problem has been dealt with very poorly by the Coinbase support team as I have had to wait long periods for responses ( sometimes even having to reach out myself ) and the few answers I have gotten have been insufficient in dealing with my specific problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX 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

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 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was getting unnecessary Overdraft fees, charge for low insufficient funds, money missing from my Account. Dispute about my money because missing, without a solution.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Refuses to remove inaccurate bankruptcy information. XXXX has removed it, so should this reporting agency.

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 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a police report with the XXXX police department about this. I tried to deposit a money order at Wells Fargo and when the money order became fraudulent I lost over {$3000.00} of my real money and was almost put out on 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Refuses to remove inaccurate XXXX information. XXXX has removed it, so should this reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
In the year of 2019 I took my sister to the hospital. I had no legal holds over her I was just the driver and I am being held for her medical bills that are not mine. The bills were sent to her parents address never giving me a chance to speak to the original creditor which is not fair.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX I called Wells Fargo for charging me overdraft fees, and I was missing {$500.00} from my account. The banker said, {$500.00} will be available XXXX business days. I call XXXX weeks later, I explained, and the banker said, there is no information regarding am missing {$500.00} and my account is on negative and my account is well close

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 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/2022 I received a summons to appear form XXXX XXXX XXXX XXXX represented by Blitt Gaines PC. I never received a notice that I could dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
Equifax removed my active credit card that is XXXX XXXXXXXX. Please repost my credit card and update the payment history. They kept reporting old balance. 

XXXX XXXX XXXX I was telling them to remove the inquiries not the credit card. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Paypal Holdings, Inc

Complaint narrative:
Hi, I have complain on Paypal, they banned my account ( XXXX ) without any reason, I know that my account is complying with all the rules and regulation of paypal, then suddenly they just banned it today ( XX/XX/2023 ). I already contacted paypal it is still on review and I want a help from you guys to have my account restored since I badly need it for my work and business. 

I still have XXXX $ funds that is still on hold in my account and can only be withdrawn after 180 days. Please help me restore my account. It's very hard to reach out to paypal so I am reaching out to you to help me with my problem. 

My paypal account was registered on my employer 's ( I am a freelance ) and some of my customers ( worldwide ) sending their payment on my paypal account. I can't afford to lose my account since it is very important this is where I get my money from. Most of my transaction is within paypal. I 100 % sure that I am obeying all the rules and didn't ruin any rules and regulation of paypal. 

My account information Paypal Email : XXXX Paypal Phone Number : XXXX Full Name : XXXX XXXX XXXX Location : XXXX Please help me to resolve my issue, your prompt response would be appreciated. Again thank you Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I would like to file a complaint against Wells Fargo bank. 

I had savings accounts in my kids names at Wells Fargo bank in XXXX on XXXX, and there were fraudulent withdrawals made from the account. 

I have been trying to get this resolved with the bank for XXXX years, and they keep denying my claim. 
I would like to have the stolen funds returned to my children 's accounts, and the interest to be paid that they lost out on. 

I have all of the transaction dates, account numbers, and even a strange address in XXXX someone used to withdrawal the money from. 
I even filed a police report with the XXXX XXXX  State Police. 

Still, Wells Fargo will not return our money. 

The reference number for the claim filed with Wells Fargo is : 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 monetary relief
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXXTo later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous and believed to malicious to tarnish my credit history as retaliation for filing bankruptcy.This file has yet to be updated properly.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T bank merged with Peoples Bank last spring. Peoples Bank never charged people service fees- now M & T by default has moved former customers to this account and it incurs a monthly service charge if a minimum balance is not kept. There was improper notification of this, and it feels as though its an attempt to take money from clients deceptively in hopes they wont notice the withdrawal, a beach of fiduciary duty.

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 2023-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint is in response to the bank denying my case three times when I am not to blame. they openly blamed me for the lack of security that was provided to me. I lost everything my family had and all I had saved up. the amount of {$10000.00} was taken from me and not a single thing was done by the bank to prevent it even though I told them the very second it happened and before the transaction had even gone through. their lack of diligence cause the whole problem. I will not stop my complaints until I have all that I'm owed returned. this is ridiculous after 4 months of scraping by paycheck to paycheck and having the bank basically spit in my face over what is their fault in the first place. Enough is enough. I need your company to go to bat for me and the countless others who I'm sure file claims on here that have been screwed by Wells Fargo. I have been a valued and loyal customer of wellsfargo for 20 years and this is the treatment I get. please get this turned around and don't just resubmit it to the claims department where they'll just deny it again. someone has to hold the to account for the unprofessionalism and lack of care for those who pay their salaries. I am pleading with CFPB to help me hold them to account for their actions. our lives have been put on hold because of this unacceptable situation. 
for account info please refer to my first complaint on here that was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX  bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.

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 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
On XX/XX/2022 I mailed a request to verify a debt via debt validation letter to Express Recovery located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via certified letter. It was received on XX/XX/202 by XXXX XXXX ( you can not read the name on the return receipt. ) Since that time, XXXX XXXX has not contacted me nor validated the debt. I have attached the return receipt as well as the XXXX Tracking confirmation showing that it was received. 
I believe under Federal Law since this company will not validate the debt and has refused to respond to my request this needs to be removed from my credit reports 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 2023-02-05 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used XXXX XXXX XXXX XXXX and gave XXXX my Costco/Citi Bank credit card number for monthly charges for the phone service. I discontinued my XXXX mobile service on XX/XX/2022 and began using the service of a different carrier. XXXX continued to charge my Costco Citi Bank card even though I had discontinued service with them. I notified Citi Bank several times. Citi Bank failed to resolve the dispute and continues to allow XXXX to charge my card.

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