vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I used a tax preparer to file my income taxes for XXXX in XXXX of this year ( XXXX ). Once I sent him all of the pertinent information, he told me what my return amount would be. However, he lied about the amount, as I was not even able to track it on the IRS ' website, he also never gave me a copy of my return or allowed me to authorize it. My refund never showed up in the account that I authorized the XXXX preparer to send it to. 
I later found out that the preparer had my refund routed to a third-party service then known as XXXX ( now XXXX Bank ) , that he had allegedly taken his fee out via their bank, they had also taken out their fees, and then he allegedly sent the remainder of my refund to a completely different financial institution ( Wells Fargo ) than I had authorized him to. I reported this incident to the IRS and was told to contact the preparer ( who can no longer be reached... surprise surprise!!! ) and they also did an investigation ( if that's what you want to call it ) that took XXXX months. After those XXXX months, I still have no resolution. I have reached out multiple times to both XXXX Bank ( XXXX XXXX ) and Wells Fargo and they both continue to pass the buck and play games with my money/livelihood. XXXX Bank maintains that Wells Fargo is not cooperating with them, and Wells Fargo claims that they have no record of any wrongdoing, because they don't have the account information in order to investigate. However, XXXX Bank claims they have sent numerous faxes and e-mail to Wells Fargo requesting that they fill out an indemnity form, but Wells Fargo Execs and branch representatives continue to claim that they ( allegedly ) have never received anything from sender ( XXXX Bank ). So, here I am, months later, still without my refund because of an apparent scammer and ***hole who has inconvenienced me and my family ( of whom includes a XXXX XXXX ) beyond measure. Luckily, a taxpayer advocate did assist me recently and gave me some pretty valuable information/advice to proceed with things. I just want this situation resolved so I can move on with my life and continue to take care of my family. I'm a single parent ( not by choice ) after COVID hit, and enduring such an unplanned event is taking a toll on my health. I want the tax preparer to be held accountable for his actions, and I'd like a resolution to happen some time this year.

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 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Complaint about Coinbase, Inc ( XXXX  ) I recently lost my cell phone and changed to a new phone with a new phone number. Now I have tried about a week to update my new phone number and did three times to recover my account and the problem still no resolved. I was able to chat with several reps but they can not solve the problem either. I was able to log into my account but I can not update my phone number in my account as they always tried to send a verification code to an authenticator app on my old phone, which I don't have it anymore. I don't know why there is no option to send the verification code to my new phone number. One rep even let me to set up a temporary account to update the new phone number but still not worked. Now I can not trade or transfer my assets. This is a major defect for the online website and the apps and a major concern for security of my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see attached. The loan from XXXX XXXX XXXX  is not a mortgage or heloc and is inaccurate. Please remove this from my report. The attached letter was sent in today 's mail via certified mail.

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 2022-10-12 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:
XXXX XXXX, Late payments are showing on the following on my credit report.

Capital One- Walmart 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America Debit Card and Pandemic Unemployment Assistance Funds Debit card was never used and never funded My Independent Contractor unemployment claim filed in XX/XX/2020 should have resulted in XXXX retroactive benefits of {$600.00} per week for the months of XX/XX/2020 through XXXX of 2020. 

Weekly benefits were direct deposited by XXXX for XX/XX/2020 through XX/XX/2020 A XXXX  weekly benefit of {$600.00} was direct deposited on XX/XX/2020 and an amount of {$1800.00} was direct deposited XX/XX/2020. 

A total of 50 weeks XXXX should have been received or {$30000.00}. I received {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # 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 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 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 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 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  Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th 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 2022-10-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # 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 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 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 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 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  Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th 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 explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased a vehicle in XXXXXXXX XXXX XXXXXXXX. My first payment was due in XXXXXXXX XXXX XXXXXXXX. I have made all of my payments from XX/XX/XXXX- XXXX of XXXX. I have all bank statements showing proof of payments from this time period. I received a phone call from Santander Consumer Financial in XXXXXXXX XXXX XXXXXXXX saying they had not received my payment from XXXX and XXXX. I went to my my bank, had them print out my statements showing proof of payment and I faxed it to Santander Consumer Financial. They told me they would have to investigate and they would get back to me in 3-5 business days. I waited about a week and still hadn't heard from Santander so I took it upon myself to call them. After being on hold for over and hour and being transferred to 7 different people, I was told they were still investigating. This went on weekly for about 2 and a half months. I finally got answers in XXXX and was simply told by Santander that my bank was stealing my money and now I am told I am 3 months behind on payments, even though throughout their " investigation '' my husband and I were still making all payments in full. I had a daily battle with this company for months. I gave them all of my proof of payments and they continued to tack on late fees. Now we jump to XXXX and they tell me out of all of this time, for the past 9 months, I have only made 2 payments. All of my money invested in this vehicle was taken from me. I have invested over {$10000.00} in this vehicle just to end up with nothing. This company is crooked and they are thieves. I need help to figure out my options in recovering some of my money. They have also changed names that reflect on bank statement to a shell company called XXXX. I questioned them several times about this company and Santander advised me it was a third party company they use for payment purposes. I was recently told in XXXX by a Santander employee that she didn't know who that company was nor had she heard of them. I am beginning to think that that is how they are defrauding people out of money. They are receiving payment through this shell company and then acting as if they have no idea who they are. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
Please see attached. The loan from XXXX XXXX XXXX XXXX XXXX is not a mortgage or heloc loan. This information is inaccurate and needs to be corrected and or removed. Please investigate. The attached was sent in today 's mail via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XXXX XXXX 2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
the dispute is with barclays bank / jetblue mastercard wants to bill us twice for a trip i took with my husband. There was an error on the original bookingh it never went thru and i never recieved confirmation email or authorized payment. I booked the same day the trip we wanted and recieved confirmation and payment was made on arrival at the hotel we were staying in we were informed that there were two reservations for rooms with another confirmation number. I then checked jetblue and they had booked 4 plane tickets and two hotel rooms to my name. As it was impossible for my husband and i to use up 4 seats on the plane and two hotel rooms when there are only two of us. I asked jetblue for proof that we had used up 4 seats and 2 hotel rooms and the only thing they sent us was proof of the 2 seats and 1 hotel room we used which i paid for.This has been going on back and forth since XXXX and i refuse to pay for a reservation that i did not authorize or use because of a computer error there system error.

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 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX XXXX received a negotiable instrument/draft, ( hereafter known as a " check '' ), for {$3000.00} from XXXX XXXX XXXX XXXX The check was assigned from the BB & T bank which falls under the Truist bank corporate umbrella. I went to the Truist bank at XXXX XXXX XXXX XXXX XXXX XXXX, MD. I put my signature and attached a reservation of rights on the check ( see attachment 1 ) per Uniform Commercial Code Article 1 Section 308 ; previously U.C.C. 1 - 207 ( see attachment 2 ). I preceded to cash the check when the teller informed me it would be {$8.00} fee. When I informed her that I had reserved my rights on the check, the branch manager, XXXX XXXX, ( hereafter known as the " manager '' ), approached me and asked what the problem was. I informed her that I was there to cash a check, which by law is a draft/order from the account holder to the bank, to pay the bearer of the check the amount stated unconditionally upon demand, and that i should not have to pay a fee because company policy is not law ( see Attachment 3 ). I further informed her that without full disclosure of bank fee policies on the check, charging a fee in lieu of a reservation of rights is paramount to fraud. The manager stated incorrectly " it is not fraud! '' I explained to the manager that i would not pay the fee and that i would be filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation