vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one closed all my account and they used a bogus excuse saying that I had a disruptive call with a customer service agent that is unexceptable people have bad experience sometimes calling customer service no reason to close all my accounts checking savings and credit cards account then a few months down the road I applied for a secured credit card was approved sent my funding amount to fund my account then they close that account like this is stopping me from building my credit and making a better life for myself I need something done about this I want my secured credit card account reopened double Jeopardy you already closed accounts for one situation so someone must be monitoring my account personally to know I'm applying for credit card with the company I also will be speaking to my lawyer about this if I'm restricted from your platform then I should be able to apply I want justice severed company can't be taking advantage of customers like this most of the customer service agent are imagrants they don't understand you have to keep repeating your information several times this can be aggravating and if I got a little frustrated with them it's still not a good reason to be closing my accounts this needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello. I have an inquiry on my report from XXXX bank that does not belong to me. I reached out to the bureaus months ago and was told to reach out to the company. I reached out to the company and they could not tell me who it was but did say it came from someone living in another city in which Ive never lived. I was told they could send something to the bureaus to have it removed. I called the bureaus a couple weeks later and they said they hadnt received anything. I was able to dispute the inquiry and file a police report in XXXX and I just noticed the inquiry is still on my credit report. I was able to reach Experian but have not been successful reaching XXXX. Im also locked out of my account to be able to see my reports. I called and they could not get me in and they were supposed to escalate it and I never heard anything. I called back today had customer service hang up on me, the automated system did not get what I was saying and hung up, and just automatically sent me to text. I responded to the text and they told me I have to call the number back. Its too many incidents to name but Im not getting anything taking care of from someone else info on my credit report. This has been ridiculous and going on for months for no reason.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX XXXX XXXX remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank had a XXXX glitch on XX/XX/23. It occurred during the day during normal business hours and for most of the business day. It caused all of my bill payments to deduct twice including my mortgage payment. My understanding is that this is the second time in 2 months for this type of bank error with Chase. 
I was instructed to wait it out by Chase and check back later. I kept checking my accounts and slowly I saw that my external payments were corrected. My internal payment to Chase home mortgage was not corrected and posted causing an overdraft. 
I made a claim with both Chase banking and Chase Home lending as I was instructed. I have been told that it could be days before the error is fixed. 
I am writing this complaint because the timeline is unacceptable for correction. I can withstand this situation as I have money in other accounts. I worry about people with more limited means. 
Chase banks error needs to be fixed by Chase immediately. 
I can not imagine what a person with limited means is supposed to do with a wiped out bank account from a bank error. Waiting days for their own money? Chase should be fined. 
Can my representative or senator from the state XXXX XXXX be notified of this type of consumer banking problem?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To Whom It May Concern, I filed a fraudulent charge through my Wells Fargo Checking account. 

I called Wells Fargo circa XX/XX/2023 about the fraudulent charge which occurred XX/XX/2023. 

The fraudulent charge was through, Merchant, XXXX XXXX, for, {$1400.00}. 

I didnt authorize the charge and informed Wells Fargo of this circa XX/XX/2023. 
I was never credited for this charge and my account has been closed. 

I hope to file a complaint to rightfully receive credit/funds for {$1400.00}. 

I was unable to resolve this charge earlier, due to my medical conditions as a military veteran worsening.

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 2023-07-26 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/2023 I signed into my XXXX account which has my credit card on file and noticed fraudulent charges. I am mediately notified XXXX and told them to cancel these fraudulent Purchases, That were made online and were being shipped. They told me to contact my credit card company. I immediately notified COMENITY capital Bank my credit card holder. After her reporting the fraud, my credit card was canceled a new one was issued. Comenity capital bank told me not to worry these are fraudulent charges I would not be held responsible. Even so I notified XXXX and XXXX and told them of these fraudulent purchases they both told me that they could not cancel the shipment only the center XXXX could do that! They would not tell me the address these items were being sent to but they did confirm it was my ZIP Code but not my address. I noticed that the company The items was being ordered from was called the way well and try to find them on the Internet I could not find this company however through XXXX I was allowed to contact them as a third-party I informed them that these were fraudulent purchases coming from their company and being sent to a fraudulent address! They never responded. I also contacted XXXX XXXX XXXX and Comenity bank via XXXX. Trying to stop these fraudulent purchases before they were sent as they were purchased online in a week went by before these were actually sent. {$150.00} / {$190.00} / {$190.00} after constantly worrying and much time trying to stop these fraudulent purchases Comenity capital bank sent me a letter in XXXX stating I would actually be responsible for all these charges! This is absolutely outrageous and everyone had time to stop the shipment before it happened I did nothing. I am a senior citizen on a fixed income and I refuse to pay for items I did not purchase. Needless to say I no longer have a wallet account with an online credit card at XXXX or anywhere else after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On a Friday XX/XX/23 afternoon at XXXX XXXX, Wellsfargo bank suddenly froze my accounts personal and business totaling {$140000.00}. I had no idea this even happened until I attempted to make a transaction for my business. Little did I know all of my accounts had been frozen for no apparent reason. After calling and going into the actual branch, no one would tell me why my accounts were frozen. I was treated like a criminal and had XXXX access to any of my money. I was told they were on a hard freeze for 2 years and I wasnt going to be told why. After talking to my attorney and multiple people with the Wellsfargo institution, I was under the impression that the FBI was after me but was assured it was Wellsfargo business decision to freeze the accounts! The amount of emotional distress this has caused my myself and family for the last week is indescribable. Having XXXX access is to my own personal money or any access to my business accounts is unforgivable. I have received no answers as to why I am being treated like a criminal and cant get any of my money. I own a car dealership and purchased {$80000.00} worth of vehicles on Friday. Those ACH payments were stopped and Wellsfargo did not let the money come out of my account. This has affected me to stop operating my business of purchasing vehicles because the auction put hold on my account so I can not run my business anymore until the vehicles are paid for which I can not do as my {$140000.00} is frozen with no answers. My business relationships are now getting tarnished because payments are not going through. Not only is the Auction upset with me many other companies that I do business with are upset because payments have not gone through. Ive had XXXX money to live off of. Ive been living on credit cards to pay for gas and food. This is absolutely unacceptable and something needs to be done! I still have had no one tell me anything not even a letter in the mail. This is completely out of line Wellsfargo has been fined for doing this years ago and theyre still ruining peoples lives!

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
When I canceled a Citibank AAdvantage credit card with a fee, I was informed that if I wanted a credit card, I should go with the mile up credit card because there is no fee. There was also a promotion of XXXX miles and a {$50.00} credit if you spent {$500.00} within the first three months. 

When I contacted them about the promotion, I was told I did not qualify because I had canceled the card with the fee.

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 2023-07-26 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: V and H Portfolio
State: CA

Complaint narrative:
Vance and Huffman LLC added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my HOA. This debt could not have been validated by Vance and Huffman because it is not my debt and does not match my information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email saying a virtual card number was opened for my card. I didn't request anybody to open a virtual card number on XXXX XXXX. Please investigate why such an email was sent to me. 

Your Card has now been enrolled for an American Express virtual card number Is this normal? Would this impact my credit history?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Payments for mortgage / loan are based on the average of the XXXX XXXX offered rates for six month US dollar. 
I am requesting reference and information how this loan is calculated from XX/XX/XXXX to XX/XX/XXXX I am requesting information how this loan is calculated from XXXX XXXX XXXX to XX/XX/XXXX. 
XXXX rates XX/XX/XXXX are 5.43000 % And on XXXX is 5.85951 %. 
Why I am charged 8.750 % now for next 6 months And for last six months 7.750 % Where Mr Cooper is obtaining information about rate for XXXX Please provide all explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im XX/XX/2023 I get alert that my information was stolen I would like to report that to the credit bureaus

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 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Ticket ID : XXXX See below. I have reached out to the support staff several times. In response I usually receive elusive responses. I have screen shots showing that the maximum amount of XXXX I can sell is XXXX XXXX XXXX, it varies every day. I have attempted limit sales and the market rate mysteriously drops below my limit as soon as i post it. It is not a significant amount of money, but it's my money. I should be able to sell it at a market/limit price as i please. See email exchange below. 




Hi XXXX, Thank you for following up! 

After reviewing your account, I can confirm that there is no restriction on your account, you should be able to sell all your available XXXX. 

Please try to sell them one more time. If you encounter any issues when trying to sell your XXXX, please let me know so I can further investigate with our internal team. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Hello, I would like to liquidate the XXXX funds in my account but Gemini does not allow me to sell them. Currently there is a balance of XXXX XXXX. I would like to liquidate all of this and then transfer the money out of my account. Why is the XXXX sell limit only XXXX. I will lose a lot on gas fees. Can Gemini just buy back/credit/liquidate the QRDO then we will freeze my account. 




On XX/XX/2023 at XXXX? XXXX, Gemini wrote : XXXX XXXX, Thank you for reaching out! 

We apologize for the inconveniences that have been presenting up until the present time. 

I do see that you have funds in the earn program and Gemini is working hard to expedite the return of funds to you through XXXX bankruptcy. As we are unable to provide you with a specified time of when this process will be completed, as an alternative to closing your account, we can go ahead and freeze it until your funds have been returned. 

Please let me know if you want us to proceed with this option. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Good day, I have several small balances of alt coins I tried to sell. I want to liquidate everything and close my account. Currently Gemini has approximately XXXX of my money XXXX and is not allowing to withdraw it. I want my earn balance and XXXX if full. Currently Gemini does not want to return either in full. How long will I wait and when will I get my earn and XXXX balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, XXXX and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
4. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
5. ) XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation.

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 2023-07-26 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief