vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
been a victim of an stolen interest promised by this kind of financial institution Rep. by phone on XX/XX/XXXX. Since Wells fargo bought Wachovia, problems began with the interest in my accounts,. the CD account was renew on XX/XX/XXXX by a phone call wellsfargo Rep promised me with higher interest in the market APY of XXXX and when I received the maturity date for XXXX moths holding {$60.00} I received only {$1500.00} ( XXXX ), Then a Rep. from board of directors increased to APY XXXX which is not enough to cover my lost of the APY XXXX promised, I called and the assistant told me i was at XXXX APY not the XXXX as I received in the offer when renew it, also my money market saving with more than XXXX since XXXX they only pay me {$1.00} ( XXXX ) so I think how this is happen and there is no control at all of this kind of misleading activity, if {$1000.00} credit loan is p to XXXX APY by any creditors institutions including wells Fargo Bank N.A promoting in their locations and website a Platinum saving with {$10000.00} at XXXX XXXX ( Pictures attached ), I tried unfortunately to be in contact with the case manager ( XXXX XXXX and others at XXXX XXXX XXXX XXXX ) to adjust my money saving account with this XXXX advertized. I need your assistant in other to recover all my money lost and stolen from this kind of financial institution and help others in my same situation.Wells Fargo XXXX, XXXX they know my cases, i sick and tire calling different Reps several times in other to resolve this big problem in good faith but no answer or returning call. I expecting your prompt assistant and resolution in this important matter to stop this kind of misleading with my retirement funds.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is identity theft occurring on my account and these are the accounts : Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Reason : Identity Theft Creditor Name : XXXX Inquiry Date : XX/XX/2023 Reason : Identity Theft I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30-day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you violate the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

If you can not verify these under the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, 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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I have been a Coinbase member since XXXX. 

XX/XX/XXXX : Purchased XXXX  on the Coinbase platform. 

XX/XX/XXXX : Coinbase reduced the amount of XXXX  I could purchase and eliminated my bank account information and restricted future purchases. 

XX/XX/XXXX : I tried to transfer XXXX  I have on the platform onto a XXXX. Notification came up on Coinbase saying I was restricted from transferring XXXX off platform for 30 days. I could sell but not transfer. 

I immediately contacted customer support through the virtual support. They advised my account was restricted and there wasn't anything they could do. Stated I had to wait the 30 days. They then did another review and stated I need to provide updated XXXX documents. I then provide my driver 's license and passport through the XXXX verification on the Coinbase site. 

I was advised the Coinbase team would review the account and send an email. 

XX/XX/XXXX : I sent an email follow up to Coinbase customer support. Received no reply. Contacted customer support through the Coinbase virtual support on the Coinbase site. They advised my account was still under review and they could not do anything to speed it up. 

I called customer support on the phone, waited XXXX hrs on hold, the when I spoke to an agent was advised it was still under review and there wasn't anything they could do. 

XX/XX/XXXX : I filed a complaint on the Coinbase website. I chatted with a virtual agent and was advised there wasn't anything they could do. I posted a complaint on the XXXX Coinbase page. I received a reply and provided the moderator with my case number, XXXX. They stayed I have to wait for a reply via email. I then called customer support and was on the phone for an hour. The agent asked a series of questions regarding my account- Is the account mine? Am the only person who uses the account? Have I used other wallets. I answered there questions and they told me they escalated the issue and that support was waiting on answers to these questions. I advise them these questions had never been sent to me or asked before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: VA

Complaint narrative:
Already making payments toward medical bill. XXXX keeps calling and leaving messages. 

On XX/XX/2024 at XXXX, she called my cell phone and left a message. Less than XXXX minutes later, my coworker hands me the phone saying someone is asking for me, it was XXXX. She acknowledged I am making payments and on a payment plan. 

Today, XX/XX/2024 less than a week later, she called me again and left another message at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit report has information on it that is inaccurate and I'm proper authority to get the following corrected. According to 15 US Code 1666b, timing of payments a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Equifax, the following companies are reporting late payments : XXXXXXXX XXXX XXXX XXXX XXXX following are reporting late payments : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed 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 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have reached out to the company several times over the past year I have evidence and proof from the company stating this debt will be closed from there office and it will be removed from all credit bureaus. XXXX will not remove this even with proof the company is telling XXXX thos debt is valid after submitting proof several times now I will take legal action again XXXX for not investigating correctly and waypoint for giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including incorrect amounts and dates.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The payment wasn't properly posted to my account and Best Buy credit services is giving me the run around saying it will get taken care of, or not much action being taken on their end to clear this payment

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a known victim of identity theft. My information was exposed in the XXXX XXXX breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent hundreds and hundreds of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!

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 2024-04-24 00:00:00
Product: Credit reporting 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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So back in XXXX of XXXX, there was a transaction of {$300.00} via XXXX that was flagged on my account. I was told to go to the branch and speak with the branch manager. I explained to the branch manager that the XXXX transaction was in regards to my brother whom was using my XXXX information for his business. The branch manager then told me that my account would be closed and that Id be able to reopen my account after XX/XX/2024. After the XXXX of XXXX, I tried to reach back out to Wells Fargo but they told me that the account was being closed and didnt really give anymore info.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this inquiries due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I recently checked my credit report and noticed an account reporting that wasnt there just a few weeks before from MRS BPO with XXXX being the original creditor. I have never received any comunication from MRS BPO in any form, no letter from them and Ive been at the same address for over 5 years. Not only that but I wasnt even notified from the original creditor XXXX  and I discontiued service from them in 2022 without any outstanding balance and I went and returned their equipment and made sure of this and they never sent me anything about an outstanding balance and Im in the same address that I was when I had their service. According to 12 CFR Part 1006 DEBT COLLECTION PRACTICES ( REGULATION F ) I was supposed to be communicated with before anything was reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: TN

Complaint narrative:
When I showed up at the dealership ( XXXX XXXX XXXX XXXX ) the same day ( XX/XX/XXXX ) that my girlfriend and I 's car broke down to procure a new one, the XXXX XXXX XXXX which I had called about an XXXX earlier, I showed up in a " XXXX  ''. I got there a little over XXXX hours before my scheduled shift at work. Afterwards, the salesman began questioning me about my other vehicle to which I tried my best to make it seem like I had a second functional one which I did not. After a test drive I decided I liked the car and wanted to finance it. After about XXXX minutes of the finance department coming up with a rate, they told me only one institution would pick up my lease ( Westlake Financial ) and told me the lowest they would go was 25 % apy. I told them that was extortionate. He asked me if I wanted him to see if they would go lower. When he came back he said the new lowest they would go was 23.29 % I asked him why. He told me it was because of how old the car is ( XXXX yrs ) and how many miles it had on it ( XXXX miles ). At this point I had to be at work in less than an hour so I agreed and told myself I would come back to this at a later date. That date was today. 

Earlier today ( XX/XX/XXXX ) I called Westlake because I was having issues processing a payment towards the car. After a while I ended up speaking to a manager about my concerns and asked him if was aware of of discrepancy between my charged interest rate and the legal maximum in TN of 12.5 %. He said he didn't know about that stuff but would happily transfer me to financial after he took my payment. I paid and was then promptly transferred to financial where I told them the same thing. The worker then transferred me again to another manager whom I told my grievances to as well. I told him I would be okay if my rate was at the legal maximum, but preferred 12 %. After being on hold for about XXXX minutes he told me they wouldn't be able to change the interest rate as I had already signed the lease. I then informed him of my intentions to file a complaint with both the Consumer Financial Protections Bureau and the Tennessee Department of Finacial Institutions.

Company response to consumer: Closed with explanation