vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XX/XX/2024 This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974.

Thank you for your attention to this matter.

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 2024-02-27 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: CO

Complaint narrative:
As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XXXX. This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX transunion and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX and Experian have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions

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 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i have been paying skyrocketing escrow costs, contacted them over the years to no avail, and believe my funds for mortgage, taxes were misused by Wells Fargo for the 15 years I had been paying them.

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 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I asked Chase Bank to transfer {$5000.00}. from my Traditional Rollover IRA Account and forward it to my California Income Tax account ( Franchise Tax Board ). 

On XX/XX/XXXX, I received a notice from the FTB that my 2022 tax return was {$5000.00} short and was billed {$5400.00} to cover the shortage, penalty and interest. I called FTB and spoke to an agent who told me that the {$5000.00} from Chase had never been received I called Chase and they told me that had sent the {$5000.00} to FTB on XXXX XXXX XXXX XXXX.

To prevent additional penalties and interest I sent the FTB the requested amount, {$5400.00}.

I need to have the original {$5000.00} from my Chase Account credited to my FTB account and the $ XXXX refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I asked Chex System to send me proof that I owe XXXXXXXX XXXX and XXXXXXXX XXXX  any money. I send a request in a form of a letter on XX/XX/XXXX I never responded to me with any proof.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Unjust Account Restriction and Forced Asset Liquidation by Coinbase I am writing to lodge a formal complaint against Coinbase for their unjust permanent restriction of my account and the subsequent forceful directive to liquidate my cryptocurrency holdings, leading to avoidable taxable events. This action not only contravenes their Terms of Service but also raises significant legal and ethical concerns. 

Account Summary and Grievance : Since XXXX, I have been a compliant and verified user of Coinbase, with all financial transactions funded through a bank account that receives my regular paycheck. Despite my transparent transaction history, Coinbase abruptly restricted my ability to send cryptocurrency to external wallets in late XX/XX/XXXX, without providing any substantial justification. I made multiple attends to contact customer support and did not get any answers why I can't withdraw my assets from the Coinbase. The last one was made XX/XX/XXXX. I received en email that my account been permanently restricted for no reason for transferring crypto currency to my personal wallet. 

Forced Liquidation and Tax Implications : The restriction imposed by Coinbase necessitates the sale of my cryptocurrency assets into USD to access my funds, triggering unnecessary taxable events. This forced liquidation seems to directly conflict with the ownership rights and freedoms outlined in Coinbase 's Terms of Service, which explicitly state that cryptocurrency assets belong to the user and can be transferred at will. 

Lack of Transparency and Final Resolution : After multiple inquiries and a prolonged review period, it was disclosed that my account had been permanently restricted by an automated system, leaving me with no alternative but to liquidate my assets. This opaque process and the irreversible decision, devoid of a thorough review or a clear explanation, are highly concerning. 

Appeal for Intervention : Given the circumstances, I am seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter further. The actions taken by Coinbase not only infringe upon my rights as a consumer but also pose broader implications for the treatment of users and the enforcement of regulatory compliance within the cryptocurrency exchange industry. 

I appreciate your prompt attention to this matter and look forward to your support in rectifying this unjust situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFERSON CAPITAL SYSTEM is not licensed to collect debt in Pennsylvania, and have not obtained the necessary authorization from Pennsylvania to engage in debt collection activities there. In such cases, JEFFERSON CAPITAL SYSTEM does not have the legal standing to pursue debt collection actions against individuals in Pennsylvania. I, XXXX XXXX, have been contacted by JEFFERSON CAPITAL SYSTEM, who isn't licensed in Pennsylvania. If JEFFERSON CAPITAL SYSTEM does not delete the ( 5 ) items off of my credit report, totaling : {$1000.00}, I will file a lawsuit against JEFFERSON CAPITAL SYSTEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2024, I requested my HSA account balance be transferred over to my XXXX HSA account. Last year, I completed such transfers without any charge or issue. This time, rather than specifying a specific amount to be transferred, I requested the entire balance be moved ( ~ {$2300.00} ). 

Upon receiving my request from XXXX, HSA Bank readied to move my transfer. However, unlike before, they deducted {$25.00} from the total transfer and closed my account after sending the check out to XXXX. 

During this account closure and unexpected fee, HSA Bank did not attempt to contact me ( Email/Call/Text etc. ). When I noticed the {$25.00} charge on my account while reviewing, I contacted HSA Bank immediately. There, I also found out my account had been closed without any discretion or grace period provided. 

What is important regarding this account is the fact that it is my employer-sponsored account : I receive bi-weekly contributions from my employer as well as those I elect myself. This is not an account that can be simply closed as it has recurring transfers through the year. 

Closing this account not only impacted my ability to receive my employer contribution but also jeopardized my own elections from my paycheck. The lack of communication and transparency provided by HSA Bank is not something any consumer should have to put up with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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:
Someone stole my information and has used it to open this loan. I didn't open this loan, and I have not authorized for this loan to be opened. I have contacted the company over 100 times and I am not getting a resolution. The company also got sold when I was in the process of having the loan cleared from my name, and now the new company can't verify information I have already went through with the previous company.

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 2024-02-27 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:
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the hard inquiries below : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
Around XX/XX/XXXX, we purchased XXXX sim card to use on our wireless hotspot for internet, and after receipt of the sim card, we had a difficulty to activate the card to use internet. So around XX/XX/XXXX, we sent an email to the merchant to get their technical support. While we were waiting for the technical support, on XX/XX/XXXX, we ordered another sim card expecting a new sim card would work without any problem. 

However, the second sim card also had problem activating the service, so we immediately sent another emails to request their technical support. However after several attempts, XXXX had never called back nor provided the proper support to activate the sim cards. Since they never responded to our repeated support requests, we returned both sim cards back to the merchant since there is a refund policy for the non-activated device. 

However, even though those two sim cards had never been activated and successfully returned back to the merchant on XX/XX/XXXX, XXXX kept charging their monthly service as follows ; XX/XX/XXXX {$65.00} XX/XX/XXXX {$65.00} XX/XX/XXXX {$86.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} After waiting for several months of their refunds to be processed, we did not see the expected refunds for this non-activated sim card, so we opened the credit card dispute with Discover claim service representative. After almost two-months investigating along with merchant 's responses and our request to re-open the dispute, Discover has closed the case indicating that those transactions found to be valid. So we contacted the claim department again on the phone explaining that XXXX had never answered to my repeated support requests nor returned sim card from the return support, but Discover claim representative asked me to send them the merchant refund policy. So we found the XXXX refund policy that clearly indicating that they would refund on the non-activated devices, and send a copy to the claim department to re-open the dispute case, but Discover card claim department said they had already taken the policy into consideration when they closed the case. 

This doesn't make any sense as I had all I could do to get the merchant technical support to activate the sim card, but simply they stopped responded, so I had to return those non-working sim cards. I was kept charged for the service that I've never received simply because the merchant had not provided support. Activation of sim card is under the XXXX control, so all I could do is to get their technical support in order for us to get their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to Fifth Third Bank in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However Fifth Third Bank did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

Fifth Third Bank inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. Fifth Third Bank has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( Fifth Third Bank ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank changed Customer Service handling at some point and stopped eBilling to my credit union without ever sending a statement for XXXX through XXXX XXXX. They sent me to collections in XXXX. while on vacation. I never received a statement for the card usage. I tried in XXXX, XXXX, XXXX and XXXX to get the statements, but each time I got secure emailed a letter saying my balance was XXXX for the period and no statements were generated. To date, I have 20+ of these letters. They did waive fees and interest through XXXX XXXX while acknowledging the problem was theirs, but still refuse to fix anything. I've spent XXXX hours on the phone and they've hung up on me a number of times, usually while on HOLD for an Acct. Manager. Last hangup was by and Acct. Manager reviewing my acct. so she knew what was happening. I've requested disputes on several occasions and they were all either not submitted or closed summarily with no actions. They also sent a letter accepting the mistake but continued to not resolve the problem. I would like the statements to verify the accuracy of the charges as there is a Chevron discount for my purchases not reflected in the receipts. They are in BAD FAITH every time I call. 

I've got many additional & similar documents beyond what I submitted below.

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