vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Same as complaint XXXX. I made transactions and there was dissatisfaction of services. They told me I approved charges and there was nothing that they could do. 

Good thing I wasnt making a complaint about making the charges I was making a complaint about dissatisfaction of service and reclaiming my funds. They did absolutely nothing.

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 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This hard inquiry is not correct and dont know why it is showing on there as a duplicate. Please delete as I have no knowledge as to why this is on my report and what it pertains too. As I contacted them by phone & email as u will see in this complaint. Thank you TRANSUNION REPORT HARD INQUIRY XXXX XXXX ( BANK ) XX/XX/2022 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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: NV

Complaint narrative:
I have always had my account at good standing until I used my credit card to pay for a item on XXXX, {$750.00} the item never was delivered, I also put my info in a {$500.00} deposit on a auction car from global auction and they submitted it and kept my money. I have contacted the company they told me to contact self since I made the payment through self, self have not contacted me about the situation, I have emailed, called, message them about this same situation, Self made my credit go down, I did not receive a refund and I have charges and late fees on my account due to this situation. 
the XXXX servicer scammed me, he created a delivery shipping label and delivery drop off from ups, the tracking number was fake delivery never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: CA

Complaint narrative:
On XX/XX/2022 I opened a dispute with several accounts with XXXX explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Hyundai Finance is not providing the title information to the appropriate agency so that I can register the vehicle in my new home state of XXXX. I was previously in XXXX. This is a particularly time sensitive issue because I am not able to obtain a parking permit to park on the street until I have XXXX tags on my vehicle. I first submitted the request and appropriate information on XX/XX/2022. They said that it would take 10 business days to get the information to the appropriate agency in XXXX. I followed up again on XX/XX/2022, and they stated it was in progress. I contacted them again on XX/XX/2022 again stating it was in progress and takes 10 business days, but that it didn't get entered into the system until XX/XX/XXXX. I reiterated that the request was submitted per Hyundai Finance secure email on XX/XX/XXXX and that it needed to happen asap so I can obtain my parking permit. I called once again on XX/XX/2022 at which point the call was forwarded to a manager, and they said they would try to get it done as soon as possible. As of Friday, XX/XX/2022, the title information still had not been received by the appropriate agency in XXXX. This is truly unacceptable in general. I will now have to pay XXXX  XXXXday to park in a garage because I don't have any more temporary parking permits available to me until 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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states 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 2022-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Saturday XX/XX/2022 I contacted Citibank Customer Service regarding the facial recognition device which I have added to my accounts utilizing my cell phone. I got a representative on the phone who was completely unknowledgeable of her job as I asked questions regarding my account and the device which was working fine prior to my having to place the call for tech support to Citibank. I then asked to speak with a supervisor who came onto the line who was rude and tried to over talk me. I explained to him the facial recognition had been working fine earlier that morning. He suggested that I try some things which allegedly would fix the problem but nothing worked. He told me that I needed to go to the online account in order to view or to do anything else with the account. I asked him what was the purpose of having the facial recognition if it does not work. He then mentioned to me that my savings account was overdrawn. I asked him how could the savings account be overdrawn when the account was opened I specifically waived the fees due to being a senior citizen. I told him to close the savings account and he told me that it could not be closed until I paid the {$27.00} overdraft charge. Citibank effective XXXX XXXX eliminated overdraft fees as well. This is my third complaint against Citibank. 
Citibank started with me in XXXX, XXXX with a bogus letter to me regarding back up with holding that allegedly came from the IRS and the IRS had instructed them to do nothing as it related to my accounts. I feel like I am being scrutinized with everything that I do regarding Citibank and I under no circumstances will tolerate being subjected to this type of treatment.

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
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue 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 2022-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
As part of a partial release, Freedom asked for {$31000.00} to be applied to principal of mortgage to account for the release of a side lot related to mortgage. The funds were given to them on XX/XX/2022. Email and phone call have been made asking them to apply the funds to the principal. As of today, XX/XX/2022, the funds are still listed as " unapplied funds '' and haven't been applied to the outstanding prinicipal

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: SC

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 XXXX : It also states 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 explanation
Consumer complaint received 2022-10-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting Act, This creditor has violated my rights under 15 USCS 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section XXXX it also states a consumer reporting agency can not furnish an account my without written instructions Under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Mortgage loan was sold to FIFTH THIRD BANK from XXXX my first payment with XXXX was XXXX XX/XX/2022 I tried to open an online account with XXXX however their system would not let me I was ask questions before it would let open it like do you have your loan documents and how much was in your escrow account are how much the original loan amount was etc. I answered the questions and was locked out and told to call XXXX when I called i was given a number and transferred to an automated system and I entered the number and was told it was invalid I called backed and was told by a rep name XXXX she could not get a supervisor to help me had to make an alternative payment and still do not have an online account it should be this hard to open an account and I worry they may try and take my home after what loan servicers have done in the past getting bonus es to take people 's homes and lying about loam document etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: DE

Complaint narrative:
In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.

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 2022-10-09 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: DE

Complaint narrative:
In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: NC

Complaint narrative:
LTD Acquisition, LLC is attempting to collect an old debt that was paid off. The debt owed to XXXX XXXX card issued by XXXX XXXX XXXX XXXX  was paid in full. 

I was issued a new credit card by XXXX XXXX after I paid the old credit card debt off. 

LTD Acquisition, LLC, recently added a {$660.00} collection debt to my credit portfolio. 

The original debt was a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
All of the dates with the amounts below are fraudulent charges and Coinbase Inc. refuses to give me my money back after I proved to them that I was a victim of a XXXX scam. The fraudulent company is XXXX XXXX XXXX. The scammers go by the names XXXX XXXX and XXXX XXXX on XXXX and represent XXXX XXXX XXXX to lure people in. XXXX XXXX also uses XXXX. Someone named XXXX XXXX but goes by XXXX uses XXXX to communicate with people they are scamming, as well as XXXX XXXX. XXXX 's name on XXXX is XXXX ( all XXXX word ). Coinbase requested that I send them documents such as emails, screenshots of conversations with the scammers, proof of the money being sent to the scammer 's wallet, etc., yet they still did nothing to make it right even after I provided the documents per their request. Coinbase stated that they are sorry that I was the victim of a scam on their platform but they can not reverse the charges. They are failing to protect their customers in this way even though the scammers are most likely using the money to engage in money laundering and other illegal activities. XXXX XXXX even stated that XXXX was supposedly laundering millions of dollars in XXXX and that he has offshore accounts. Coinbase is breaking the Anti-money Laundering Act which now includes cryptocurrency. The total amount that I lost is {$13000.00} from Coinbase, and I would like a refund. I can provide bank statements and screenshots from Coinbase if need be, plus proof of the scam. 

XX/XX/XXXX - {$270.00} XXXX {$110.00}, {$100.00} XXXX {$650.00} XXXX {$720.00} XXXX {$13.00}, {$30.00}, {$2000.00} XXXX {$30.00} XXXX {$4600.00} XXXX {$10.00}, {$2000.00} XXXX {$1000.00}, {$1000.00} XXXX {$1000.00} XXXX {$13000.00} I lost a total of {$5300.00} from XXXX and the story is the same for them. They asked for proof of the scam, I provided the documentation and they said they were sorry that I was the victim of a scam but they could not reverse the charges. The dates and amounts from XXXX are as follows : XXXX XXXX XXXX {$52.00}, {$1100.00} XX/XX/XXXX - {$210.00} XXXX {$2800.00} XXXX {$5300.00} {$5300.00} + {$13000.00} = {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian now requires setting up an " account '' to freeze or unfreeze credit reports. However, I believe they are abusing this. I have received two completely unwanted marketing emails, the most recent XX/XX/2022. When I looked to unsubscribe, this is what appears on the emails : " Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your 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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 604 A Section XXXX : It also states 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 explanation