vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1700.00} XX/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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late paym

ent deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-14 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Contacted care credit to have XXXX fees waived, since I would like to pay the balance in full before the promotional time expires. CareCredit only provide me a {$41.00} credit out of {$130.00} in late fees. As a single mother, going to financial hardship, I saved up to pay the balance in full and I can not afford to pay for additional fees. $ XXXX {$35.00} and I am being charged $ XXXX {$49.00} a late fee. I am a full-time student who didnt have consistent income at the time, but still made payments and now Im in a position to pay the balance in full. I just can not afford to pay any higher than what I owe minus the fees.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed there were two teller withdrawals one for XXXX and one for XXXX. I immediately called the bank and did not recognize the names on the checks. The customer rep acknowledged that these were white washed checks, with my information on it but didn't look like my checks. She immediately placed a stop payment on them. It took me two days to get an appointment with the branch manager to open a new account. I filed a dispute on XXXX  I opened a new account with a little money in the old account for my pension to get in. I went to the police to file a report, got a case number and reported it to the bank on XX/XX/XXXX. On XX/XX/XXXX the check for XXXX was refunded to my account but not the check for XXXX which also had a stop payment on it. I called the bank and was told that the dispute would take 30 to 90 days to replace the XXXX. I called the bank repeatedly and was told that " this was their process '' even though that XXXX had a stop payment on it like the XXXX check. In addition, both checks were cashed at my bank up in XXXX. The teller never suspected obvious fraudulent checks. I filed an affadivit with the branch manager on XX/XX/XXXX and gave her a copy of the blank check with the number used on the XXXX check. I spoke to the police who said this was clearly a whitewash case and did not understand why I would have one check put back in but not the other. I called the fraud department numerous times and never received a call back. I called customer service MANY times and while they were sympathetic there was " nothing they could do. '' I would like my XXXX put back in my account now. I have been a long term customer and do not like the way I am being treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
In XXXX of 2019 a credit card account was opened in my name without my permission. I have never opened a credit card account with XXXX XXXX. I have no connections to this account. No information on my credit report is associated with this fraudulent account. This account was blocked from reporting on my credit report due to identity theft over 4 years ago. I woke up yesterday and saw that is was posted back on my credit report. 

I have signed no document stating that the account was blocked in error. 

I did not knowingly obtain, nor did I know that I obtained possession of goods, services, or moneys as a result of blocked transactions or transactions. Once I saw the fraudulent item on my credit, I disputed it immediately and it was removed. 

The request to block this account was not based off of material misrepresentation.

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 2023-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Company : Marcus by Goldman Sachs Re : Auto-renewal of CD for a non existent product without proper notification period and no market rate adjustment CD expired on XXXX XXXX XXXX Markus called once and asked to call back. I forgot to call back. 
I called back on XXXX XXXX since CD status was " undecided '' in the app. I wanted to move the money from CD to my joint account in the same bank. 

Three different customer representatives failed to find a resolution ( time spent on the phone over 85 minutes ). None of the representatives were able to answer four questions : 1. how much time does a customer have to decide what to do with money after CD matures 2. tell me what would be the penalty if I move my money out of the " new '' CD 3. why my CD was auto renewed in their systems but not reflected in the app so I did not receive any notification 4. why was the CD renewed at a 1.1 % rate without market adjustment. 
Customer Service opened a case... 

Checked the app again on XX/XX/XXXX. Someone had updated the status in my application that I auto-renewed the CD. Which is NOT what I did. 

Called Customer care on XX/XX/XXXX. Asked to speak to someone senior. Asked same questions. Waited on the phone for 35 minutes only to be dropped off. Case still pending resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was contacted on XX/XX/XXXX by who I thought was Wells Fargo because that is what the caller ID said. So, I answered it, they had asked me about fraud on my account and I told them that I did not authorize these transactions, such as Wells Fargo has done in the past. Thinking that I had stopped these fraudulent charges little did I know this was a call from the people that were committing the fraud. I was under the assumption that I would get information sent to me from Wells Fargo, they said it would take some time because they were trying to catch the person that was committing fraud on my account. I did not receive any information from Wells Fargo, so I contacted Wells Fargo on XX/XX/XXXX and they had said they had no claim on this account. They told me that I needed to restart the claim. I received a letter from Wells Fargo, dated XX/XX/XXXX stating " As a courtesy, we initiated one or more wire recalls on your behalf to attempt recovery of the funds from the banks that received the two ( 2 ) wire transfers for {$3300.00} an {$21000.00}. Unfortunately, the beneficiary banks responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim ''. So, I had to find a Wells Fargo branch that had a Bank Manager, I went in and met with the Bank Manager XX/XX/XXXX and tried to get this resolved. The manager and I spent 3 hours trying to resolve this issue, the fraud department at Wells Fargo was not cooperative with the Bank Manager and told her that it was my fault. The Bank Manager told me she was going to do a rebuttal on my behalf. I am supposed to hear back from Wells Fargo, I am concerned that it could be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo security.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX we were driving to XXXX  for family trip my husband asked me to search for PNC BANK on our way the XXXX  near was PNC bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We went to the drive thru ATM and he deposit the amount of {$1000.00} but we didn't received any notification on the deposit was in our account. I ran fast to inside of the bank and told them about the deposit and they told me because it was holiday weekend the company who in charge of taking money out the ATM will come between XX/XX/XXXX or XXXX. I did call the bank immediately and report them the situation. They provided me with a provisional credit of {$1000.00}. XX/XX/XXXX PNC took from my account the provisional credit of {$1000.00}. This the case number from PNC XXXX. I want to resolve this situation and end in good term with pnc bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Will Portfolio Recovery Associates , LLC remove the account from my credit reports after it has been resolved? 
Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately XXXX  days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXX Balance  : {$0.00}

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 2023-02-14 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Two Verification of debt letters were sent to XXXX. Transition did not investigate or provide me with any verification of debt. 

The amounts are {$1300.00} and {$1500.00} for Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX XXXX  WAS THAT THIS COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THEY ALLEGED I OWE. WHICH XXXX XXXX FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ). which i am sure your legal counsel will agree that XXXX XXXX  did not do. Lets also not forget that XXXX XXXX  broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. XXXX XXXX '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY XXXX XXXX  is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to XXXX XXXX. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), et seq. 2. I am sure that your legal counsel will agree that XXXX XXXX have violated multiple of the above stated laws. IF XXXX XXXX  continue collection activity with not shown me ANY PROOF, nor the FTC OR CFPB that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE FILED A COMPLAINT WITH THE FTC & THE REFERENCE # IS 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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase offers a service called Coinbase XXXX. It is a prepaid debit card, and I have been using this service for over 6 months. You buy XXXX XXXX with XXXX Dollars to load the card with funds, and when you use the card, it withdraws the funds from the account. I have made 3 different purchased from XXXX for grocery pick in XXXX. Since it is a pick up, XXXX places a temporary hold on the funds until the pick is complete. It takes about 8 days and then the transaction reconciles to final amount of the transaction. I made 3 different XXXX grocery orders in XXXX and all 3 are not finalizing with Coinbase XXXX. The transactions are as follows : XXXX. XX/XX/2023 XXXX - Amount On Hold {$300.00} Actual Final Amount with XXXX {$220.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$260.00} Actual Final Amount with XXXX {$190.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$240.00} Actual Final Amount with XXXX {$170.00} There is a total on hold amount of {$800.00} and the final amount is {$590.00}. That is a {$210.00} that needs to returned to me. I have placed 2 different tickets with Coinbase : XXXX. XX/XX/2023 - Ticket number XXXX XXXX. XX/XX/2023 - Ticket number XXXX Not a single response from Coinbase for either ticket. I responded 2 times to the first and 3 times to the second one. No one will answer me. I have called customer service and all they say is that they will put in a ticket and then to wait for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had gotten a notification that my account was locked and i needed to call the bank. When i called they explained that because of their policy my account would be closed and a check of the balance of my account would be mailed to my address. its been over 3 weeks and whenever i try calling just to clarify that my account was closed and i will be getting the money in my savings and checking back but they never respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
In XX/XX/XXXX, I tried to update the account from which my auto-payments were being debited. The Wells Fargo online platform would not accept the change so I called in and gave the XXXX the routing and account numbers to my new bank account. On the same call, I asked that he close my credit card as I had no intention of using the credit anymore. He confirmed that my autopay was set up, my credit card account was closed and I didn't need to do anything further. Over the next XXXX months, WF reported my credit card as lost, opened at least XXXX additional account in my name, continued to auto-debit my " old '' account until the balance was drained to {$0.00}, refused to help me when I called customer service and crashed my near-perfect credit score for lack of payment, which they caused to be late. 
During that time, I opened at least XXXX cases with WF, XXXX with you ( CFPB ) and I've talked to XXXX lawyers who agree with my assessment that WF acted in bad faith ; however, I am still left without any help. And it feels supremely unfair to roll over and accept the demolition of my credit score because a corporation knew I had no way to protect myself. I understand that I am obligated to pay off my outstanding balance, but WF is also obligated to restore my credit score.

Please note that each time they sent me a letter saying the autopay was not set up correctly, I called in and WF was able to immediately debit the exact account which they claimed they could not access. 

If needed, I have all of the following documents : the confusing and contradictory letters sent by various business under the WF 's umbrella, my phone records showing how frequently I called WF and also that WF never reached out to me, my credit card statements showing that WF closed my account and opened a new account number, because they reported to themselves that my card was lost or stolen, at least XXXX times since XXXX as well as a few other little things, like a screen shot of me enrolling in their text notifications system, which also never once reached out to me.

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