vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase, a financial service provider, due to their unfair and arbitrary restrictions imposed on my account. I find myself in a distressing situation as I have been permanently banned from sending assets off of their platform without any reasonable explanation or evidence to justify their actions. I firmly believe that I am a victim of Coinbase 's opaqueness and lack of transparency in handling customer accounts. 

I want to emphasize that I have not engaged in any suspicious or fraudulent activity whatsoever. Despite this, Coinbase has unjustly restricted my account, hindering my ability to utilize the assets I rightfully own. I vehemently challenge Coinbase to provide any concrete evidence supporting their baseless claims. As a user who has consistently used Coinbase responsibly, safely, and securely, their vague justification to " protect from scam or fraud '' is nothing short of an unacceptable and inadequate response. 

The lack of clarity from Coinbase regarding the specific reasons behind this permanent ban only deepens my sense of injustice and frustration. My numerous attempts to seek an explanation and resolution from their customer support have been met with automated responses, vague replies, and no substantive actions taken to address my concerns. 

I consider Coinbase 's actions to be an abuse of power and a violation of my rights as a customer. This sudden and unwarranted restriction on my account has caused me significant financial and emotional distress. Moreover, Coinbase 's unwillingness to provide transparent and accountable support further exacerbates the sense of helplessness and vulnerability that I am experiencing. 

Therefore, I urgently request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust ban on my Coinbase account. I implore you to hold Coinbase accountable for their arbitrary actions and compel them to provide a valid and concrete reason for the restrictions they have imposed on my account. Additionally, I seek your assistance in ensuring that the unfair ban on my account is immediately lifted, and my access to my assets is restored without further delay. 

I trust that the CFPB will conduct a thorough investigation into this matter and help bring an equitable resolution to this unfortunate situation. I look forward to your prompt attention and action in rectifying this matter and ensuring that other customers are protected from similar arbitrary actions in the future. 

Thank you for your understanding and support. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo bank and XXXX have both cut my credit limit even though I have been with them for years. This adversely affects my credit score. I have not been more then 30 days late on either account. They have used that has a reason as well as not using card enough. This has just happened within the last month. XXXX is a business account

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
Dear CFPB, Hancock Whitney continues to send me tax delinquent notices ( latest on XX/XX/XXXX ). Hancock stated on XX/XX/XXXX, in reply to my earlier CFPB complaint ( # XXXX ), they understand I was paying quarterly taxes and was not delinquent. Further Hancock Whitney stated they would place a note on my account and would stop any further delinquent tax notices. 

I received another tax delinquency notice ( attached ) from Hancock threatening to establish an escrow account ( none has existed since this loan was approved in XXXX ). 

On XX/XX/XXXX, I called Hancock Customer Service, XXXX, in attempt to resolve. The phone agents including a supervisor were not able to resolve ( they could not find the note in my file ). 

I want Hancock Whitney 's mortgage servicing company to fix the computer program that is generating this incorrect tax delinquency notice. Their processes are seriously broken. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: IL

Complaint narrative:
Hello. I'm reporting that. XXXX, XXXX, Equifax, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the XXXX  NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report. 
This is not true I have a letter from the XXXX  XXXX BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this. 

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF XXXX  verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am filing complaints against Us Auto Finance for closing and file bankruptcy without my acknowledgment and that my kill XXXX doesnt stop beeping and complaint against Westlake Portfolio management for not providing that they have my contract with my signature on it, I also what a refund for my GAP insurance in the amount of {$690.00} that they dont honor that I paid for and not honoring the deferment of {$590.00} that I paid for and charging late fees that are not in the original contract. I have requested many time for my contract with my signature, also my credit was hit very hard, westlake hasnt report to any of the XXXX credit companies, I want the refunds for Gap and deferment amounts and my credit fixed ASAP or as for the deferment amount be used for my XX/XX/XXXX and XX/XX/2023 be used for those payment dates Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to bring a serious matter to your attention and request an immediate investigation into the alleged fraudulent practices by Ally Bank. 

I have gathered substantial evidence that supports my claim of consumer fraud committed by Ally Bank 's auto financing division. It is deeply concerning that all the customer service agents I have interacted with are based in XXXX and seem indifferent when confronted about their involvement in what appears to be a banking scam. 

Whenever I request to speak with a customer representative or supervisor based in the XXXX, I am either abruptly hung up on or redirected to the wrong department. This behavior raises serious doubts about the integrity of Ally Bank 's operations. 
To provide you with a specific incident, on Tuesday, XX/XX/XXXX, I accessed my auto page on Ally.com and found that the payoff amount for my XXXX XXXX XXXX, financed by Ally, was {$14000.00}, valid until XX/XX/XXXX. I have attached the proof for your reference. However, to my astonishment, when I checked my Ally.com auto portal on Friday, XX/XX/XXXX ( after mailing the payoff check to Ally Bank via Priority Mail ) the payoff amount had increased to {$14000.00} ( proof attached ). This sudden increase of {$12.00} within a span of less than XXXX hours, despite the original payoff amount being valid until XX/XX/XXXX, is highly suspicious and raises serious concerns. 

Upon contacting Ally Bank, I spoke with their representatives in XXXX, who struggled to comprehend XXXX. Shockingly, XXXX separate representatives confirmed that Ally Bank takes its time to process payoff checks, which XXXX take XXXX days, and charges additional fees during this period. This practice is nothing short of pure banking fraud and can not be tolerated. It is our duty to protect innocent consumers from such deceptive practices, especially when they are carried out by a supposedly legitimate banking institution like Ally. 

I ask that you to take immediate action to rectify this situation and investigate the alleged fraudulent activities by Ally Bank. Consumers deserve transparency, fairness, and protection from such " legalized scams. '' It is deeply disturbing that a bank of Ally 's stature would engage in such practices behind the backs of its customers. 

I kindly request a prompt response to this complaint and a thorough investigation into the matter. You may reach me at XXXX or XXXX to discuss this further. I trust that you will address this issue with the seriousness it deserves and take appropriate action to restore trust in Ally Bank. 

Thank you for your attention to 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A hard inquiry was posted to my credit report ( XXXX ) on XX/XX/XXXX by Capital One Bank for a credit card application I did not submit. I notified Capital One of the fraud and requested that the inquiry be removed. They stated they would investigate and advised me to place fraud alerts with credit reporting agencies and a file a report at ftc.gov ( which directed me to your agency )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA cut my credit limit. I have been with them for years and have other accounts. I m not aware that I have been more then 30 days late. This adversely affects my 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
ACCOUNT # XXXX
BALANCE 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 2023-08-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-08-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-04 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 — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have tried to correct an error made by a credit repair company which submitted a fraud report to Santander and caused them to stop reporting my account to the credit agencies. I have called the credit agencies and Santander to fix this. Santander has determined that they would not resubmit my account to the credit agencies due to the false fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ) on my credit report. I do not have any idea regarding this fraudulent account on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE it from my credit report 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 2023-08-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. XXXX has been deleted and removed as a fraud account off my equifax report but I still have the hard inquiry. I never applied for anything under XXXX XXXX in XXXX of XXXX. XXXX XXXX was an acct closed in XXXX, so how do I have an inquiry of XX/XX/XXXX. Equifax had failed to remove and or investigate properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  XXXX Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2023

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
XXXX XXXX is reporting on my credit report that they own a debt from Synchrony Bank Lowes in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place XXXX XXXX in further violations. I reserve all my rights.

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 2023-08-04 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief