vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 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 2022-12-24 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: NY

Complaint narrative:
Hard Inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: CORELOGIC INC
State: GA

Complaint narrative:
XXXX is reporting a XXXX XXXX  Bankruptcy to the Credit Bureaus XXXX and XXXX without my consent, which is in violation of my consumer right US 15 SEC 1681 ( a ). This is a violation to my rights of privacy, accuracy and fairness. This is not private for them to supply this information to the bureaus without written consent from me. I have reached out to Corelogic on numerous occasions for them to correct this error and they have not corrected the error. 

XX/XX/22 I sent a letter to the XXXX XXXX XXXX XXXX XXXX  GA requesting their procedures on reporting to the CRAs ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Corelogic/Credco, XXXX XXXX XXXX. XXXX To my suprise, The court answered : XX/XX/22 The XXXX XXXX XXXX XXXX XXXX GA sent a returned letter stating that they DO NOT REPORT TO THE CRAs, That By the FCRA 15 USC 1681 ( a ) is enacted to promote the accuracy fairness and privacy of consumer information contained in the files of the consumer. That if they access my records from PACER they can obtain records of a bankruptcy. 

On XX/XX/22 Corelogic/CREDCO sent me a 2 part investigation on my consumer file only to send me a copy of what XXXX and XXXX are reporting that the XXXX XXXX XXXX XXXX XXXX  GA is reporting the bankruptcy to them. How so? When the court just told me that they do not report these things. 

That said, Corelogic/Credco is in violation of the law and I now evoke your agency to help me correct this 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
The wife and I went to a timeshare promotion. They said they were just checking our credit to see if we qualify. Nothing was ever said about opening a credit card in our names. A few days later, we received a credit card in the mail that has been opened in our name. Again, we never agreed to open a credit card. This was just supposed to check our credit score.

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 2022-12-24 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal 's website states that money transferred can be accessed immediately, but this has not been my experience. On more than one occasion, the money is held for as long as 60 days. Today 's transaction is now being held for 30 days, when it's an emergency situation trying to get money to a friend for food.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TX

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DP OF EDUC # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial
State: CO

Complaint narrative:
According to XXXX, Circle Internet Financial is responsible for managing ACH withdrawals that I make from XXXX  to my bank. I submitted ACH XXXX $ withdrawals from my XXXX  account on XXXX for {$25000.00} and {$17000.00} to be sent to my bank account at XXXX XXXX XXXX. My account at XXXX was debited, but I have yet to receive the funds at my bank. These withdrawal requests were made following the XXXX.XXXX  guidelines, instructions, and terms of service XXXX days before XXXX declared bankruptcy on XX/XX/XXXX. At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. I received confirmation on the website, the app, and via XXXX.XXXX  support directly that the ACHs ( multiple ) were being sent. Once again, according to XXXX, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. Specifically, according to XXXX, By submitting, I authorize Circle Internet Financial, on behalf of XXXX.XXXX  electronically credit my account at the financial institution indicated by me. I have yet to receive my funds. I have also not received any update from either Circle or XXXX.XXXX  on what happened to my ACH and the status of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
When I was closing my account with Robinhood, one of their employees, XXXX, kept making XXXXXXXX XXXX XXXX XXXX. I tried to tell Robinhood staff that it made me extremely uncomfortable but they refused to listen because XXXX kept interjecting himself into the conversations I was having with other Robinhood staff. XXXX no longer works at the company as I suspected already it was very likely because of his demeanor with myself as well as other customers who XXXX had problems with in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

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 non-monetary relief
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: MS

Complaint narrative:
I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
In XX/XX/2021, XXXX XXXX stock ( XXXX XXXX ) experienced a short-squeeze in which it increased in its value exponentially. I had shares in XXXX  XXXX  and Robinhood halted trading for XXXX stock to which I was not allowed to sell my positions ( and therefore make money ). 

This was a scam on Robinhood 's behalf because they falsely-advertised that their users are able to make money through buying and selling stock, but on the opportunity where I could have made a lot of money, I was locked out of selling my positions until the XXXX stock price went back down. This is illegal. Robinhood convinces people to open an account with them but misleads them into thinking they are protecting their users from market volatility when something like this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I've been a victim of identity theft and sent several documentary about Wells Fargo Bank all different States .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AND THEN SENT by XXXX XXXX XXXX XXXX stating that the account ending in XXXX was not opened by me or had any knowledge of the account.They closed account for my protection but no Compensation. Wells Fargo Bank and XXXX FRAUDULENT ACTIVITY IN MY NAME AND WIRE TRANSFER.

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 2022-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had an account with PayPal with an outstanding balance of around {$50.00}. PayPal has a system where they require people to verify their phone numbers on their website and I had changed my phone number. PayPal, however, wouldn't grant me access to my account if I didn't enter the verification code that was sent to my phone number that I no longer had. 

I contacted customer support, they refused to provide me with a reasonable solution. I was locked out of my account and they refused to work with me to help me retrieve my outstanding balance so that I could close out my account and move on. 

Instead, the representative made me refund my friend ( who sent me the money to pay for a bill ). There was no other alternative, they MADE ME give my money back to my friend and have to bother him because the incompetent staff at PayPal refused to help me. They refused to get in contact with their technical support team, they refused to credit me MY money, and then they suggested that I either refund my friend or donate it to a charity of which they refused to tell me specifically which charity it went to. In other words, they were extremely angry that I was leaving them and refusing to do business with them, so they decided to punish me by refusing to pay me the remaining balance in my account. They still refused to pay me my money and I had to bother someone else because they refused to do anything to give me my money. 

PayPal has stolen money from me. It was my money and no matter which supervisor I spoke to, no matter what I did for them, they refused to resolve the issue. They refused to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 602 A. Section 2 : It also states that 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 2022-12-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In XXXX of XXXX, my brother was moving to the west coast for work and opened a checking account at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the west coast in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When XXXX XXXX reported this to the credit bureau ( s ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( s ), I went to the XXXX XXXX branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have XXXX XXXX  state I was responsible. I have spoken with XXXX XXXX several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( s ) but can not discuss the issue with me. If XXXX XXXX is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
( XXXX ). My Checking Account, is with " Capital One Bank ''. They have misused my Account. Have paid/Refunded Disputed money, my credit Balance to Business Owners . 
I signed up to " XXXX XXXX XXXX '' in XXXX. I downloaded XXXX. But unable to Activate my Account. I informed, and complained to XXXX XXXX since XX/XX/2022, and requested to help. Did not receive any help and requested to cancel my membership and Return my money and not to withdraw money further. 
XXXX XXXX, didn't Stop and continued to withdraw until XX/XX/2022. They have withdrawn money two times in XXXX. Then I Disputed the payments. The Capital One Bank has Returned/Refunded Disputed money to XXXX system, on XX/XX/2022. 

( 2 ). My second complaint, is Equal to the first complaint. I purchased, Two XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XX/XX/2022, at XXXX and returned them on XX/XX/2022, at XXXX. They have charged me {$150.00}, as Storage fees. I complained to XXXX  They have advised to refund storage fees. But, the Store management, didn't refund. Then I Disputed my payment. The Bank has refunded/returned {$150.00}, in XX/XX/2022. 
Capital One Bank informed me, that they have investigated and refunded money, which I disputed. I replied, that it was my transactions and The merchants has made Consumer Rights Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a claim with my Bank of America checking account due to unauthorized withdrawal transfers from my checking account to a company called XXXX XXXX I researched the company and determined they were some sort of prepaid card or money transfer system, but I have never done business with them and do not have an account with them nor have I ever had an account with them. There were several transactions that were debited from my checking account that I did not authorize totaling {$6100.00}. I spoke with customer service in the fraud department and opened a claim to dispute these charges, the claim number is XXXX, and was opened on XX/XX/2022. On XX/XX/2022 they sent me a message through their online banking " message center '' - not even a phone call or an email directly to me, to tell me that the claim was closed and marked " unable to pay ''. Here is a copy of that message. 

Message date : XX/XX/2022 Subject : Unable to pay. 
Please note : You can not reply to this message if the claim is in Resolved status. 

XXXX, unfortunately, we're unable to approve your recent claim. 

Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 

For updates on your claim If you'd like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX  Eastern. Please have your claim number when you call. 

Thank you for your patience during our review. 



THIS IS RIDICULOUS BECAUSE I DID NOT AUTHORIZE THE CHARGES AND I CERTAINLY DID NOT GIVE ANYONE PERMISSION TO USE MY ACCOUNT OR 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
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
From XXXX I was charged countless overdraft fees I would get paid and the day I got paid I would pay bills and for each transaction I was charged a overdraft fee even though my account was in the positive I ended having to use XXXX to deposit my check in XXXX it costed me my home and my car I was homeless for 9 months in XXXX and ended up getting a place to live and months later had to pay off the account for overdraft fees acquired due to the ongoing problems of the bank taking my money for overdraft fees after my accounts was in the positive and Id pay bills on pay day I went back to them in XXXX when I paid the account for the fraudulent fees and ended up closing that account because the same thing was happening basically I tried to reach out to Wells Fargo several times and even made posts about it on the official Wells Fargo XXXX page only to be met with promises that never ended up taking place

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