vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: ID

Complaint narrative:
On XX/XX/2023 in the morning I called customer support to get updated when a transfer I mistakenly made to Wells Fargo credit card will be returned or reversed in Wells Fargo speak. I was told it was being " reviewed ''. I asked to be transferred to whom ever was " reviewing '' my case. There I was told my case was being handled by, XXXX and she was in a meeting. I asked for a number to contact XXXX at if for some reason she didn't get the message. The number given me was, XXXX - XXXX - XXXX. When dialed, a recording states the number is a non working number. Seems that the ability and need to lie is ingrained in this company 's culture. 

Thank you CFPB for being there and doing what the name says, Protecting Consumers. 

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 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
They call while at work and early in the morning before work... I don't know the exact dates and time but I will keep track of the calls for now on!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Account was opened XXXX with Ginny 's. The account is using a Florida address that showed up on my credit report. I did not open this account and do not live in Florida. This fraud account shows I owe XXXX and that I am XXXX payments behind. It has negatively impacted my credit score. I want the fraud account closed and have this wrong information removed from my credit report. Have tried calling Ginny 's and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I do not have dates and amounts. This has been ongoing for years. Fees are incorrect. I even had another account shown up on my log in and then disappeared.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance car loan company charging me $ XXXX for a cont ract I did not agree to. I made no agreement with these people. I was supposed to purchase a vehicle from this buy here pay here car lot. The owner came to my XXXX XXXX and got copies of documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never signed anything with this credit acceptance company. I have tried to settle the matter with them no luck so I have been contacting the AG attorney general office for years. 
I HAVE REQUESTED SEVERAL TIMES FOR COPY OF CONTRACT WITH MY SIGNATURE SO I CAN SUE FOR FRAUDULENCE that has effected my recovery and my quality of living by effecting my credit

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 2023-01-17 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Late payments derived on this account were due to XXXX work stoppages and shutdown. Capital One openly advertises a XXXX XXXX payment relief program on its website for ongoing customers. Yet, with regards to my closed account that has had payment settled and the account has been closed for XXXX now, I am being told that the account can not be deleted from my credit report and any late payments will not be deleted even if they occurred and were directly caused by the global XXXX pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: LA

Complaint narrative:
I submitted a request for a XXXX XXXX consumer disclosure report and received in the mail a web address and a pin to view/download a report. When I entered the pin, it stated that " we were not able to validate that pin please try again ''. I called the phone number on the website, XXXX which stated that " if you are not able to validate your pin or your pin is expired please call the LEXIS-NEXIS consumer center ''. When I called the phone number I got a menu that did not include allowing me to access my consumer disclosure report or did allow me to speak to a human, but it did allow me to request a another report which I did. I was also able to send an email requesting access to my consumer disclosure report stating the problem that I was having and received a case reference number XXXX. I received an email back that they would respond within XXXX hours on XX/XX/2023, but I have received no assistance in my valid claim for the consumer disclosure report. 

I received another letter in the mail with a web address and a pin and I repeated the exact process in paragraph 1 above. The new case reference number from the email is XXXX, but still no answer after another 48 hours. 

Could you please assist me with receiving a LEXIS-NEXIS consumer disclosure report? 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A credit card was fraudulently opened in my name in XX/XX/XXXX with Synchrony Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX ( XXXX ) acquired the debt. At some point in the fall of XXXX, I received correspondence from XXXX regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from XXXX, in XX/XX/XXXX I sent them a letter via US mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, XXXX sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the one in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX was a blank affidavit of fraud that XXXX asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to XXXX both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from XXXX in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo opened 10 + accounts in my name due to faulty sales tactics. I experienced numerous overdraft fees in these accounts though I had money in my accounts as a whole. I was never notified. They have frozen all of the statements from my accounts in 2013 for quite some time now. I have never seen all of my own financial documents over the years.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX and the Executive Team at Capital One Bank for your their assistance in reversing a {$25.00} past due fee posted on XX/XX/XXXX. On XX/XX/XXXX I called Capital One Customer Service and spoke with 2 representatives ( XXXX - supervisor ) and another representative. They were unable to assist me so I contacted the Executive team. ( Please see attached e-mails ) I am a very long term loyal Capital One customer. I am a XXXX homebound senior. On XXXX XXXX, I was charged a {$25.00} past due fee. I explained to the 2 representatives that the XXXX XXXX which pays my bills issued the {$110.00} check on XX/XX/XXXX. I was mistaken. The payment was actually processed on XX/XX/XXXX ( please see attached email # XXXX ). The credit card payment was due on XX/XX/XXXX and actually, cleared on XX/XX/XXXX. I actually requested the payment from the XXXX XXXX on XX/XX/XXXX ( please see e-mail # XXXX ). Also please see the attachment of the credit card bill. 

The first representative I spoke with suggested that due to the bad weather and holiday season the check took longer to be received. I shouldn't be held responsible for the late arrival of my payment because of these reasons. As you can see, I made every effort possible to timely pay my credit card bill as I always do. 

This {$25.00} past due fee literally takes food off of my table.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: MI

Complaint narrative:
I am trying to get funding for my business and these inquiries are hurting my credit profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete immediately. 
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 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 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

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 2023-01-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX 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 602 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 2023-01-17 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: IL

Complaint narrative:
I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.

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 2023-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This is About the XXXX currency USDC transaction issue that I encountered on XX/XX/2020. As usual, I performed the transfer XXXX USDC from my personal wallet to my USDC wallet in the Coinbase account. The amount of XXXX USDC ( {$500.00} ). The method I used was capturing the QR code of the Wallet. This is the safest method for transferring XXXXcurrency, according to the XXXX  creators, since each of the address has it own unique QR code, there is no room for mistake, I did like a XXXX time of transaction using QR code scanning.

Right after I made a transfer, I figured something wasn't right, here. My Coinbase USDC wallet wasn't received anything as It supposed to. So I went back to check the transaction detail, I was at shocked when looking at the recipient address was not my address, trying to calm down to figure what's going on, all of the confusion and question lead me back to perform the transfer using QR code capture one more time. Then I found out, there was something odd about the QR code ( on the USDC Coinbase address ) the QR code probably modified so that it all turned to the USDC contract address ( belongs to the USDC creator ). So I contacted the Wallet provider I send the fund from. After the checking, the support of my sender wallet confirm that COINBASE has modified the QR code different than the rest of the wallet provider standard QR code.

I have contact the USDC creator, The Coinbase support, for 3 years, they refused yo pay me back XXXX USDC. Ckaiming it was my fault that send the fund to the Contract address, it irreversible. That the fund was lost. I have enough proof to show, it wasn't my fault, it was USDC Creator, in this case the Coinbase has done something that lead to the fund sent to their wallet instead of mine. 
Transaction detail on Block : XXXX XXXX XXXX I even left the comment in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact credit acceptance and they mentioned to me I have to contact the credit bureau to correct the account .this has been XXXX now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am a senior citizen who never received services from XXXX XXXX XXXX XXXX. I called and inquired about services but never contracted to receive any services. XXXX XXXX XXXX sent a technician to my home without my consent and I turned him away telling him that I did not sign up for services. No service was installed at my residence. I began receiving bills. I called XXXX XXXX XXXX to notify them of the error. I was ignored and then I began receiving harassing bills from debt XXXX. I notified the first debt collector of the discrepancy and they quickly sold the debt to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX sent a statement stating that {$130.00} is due. On XX/XX/XXXX, I asked this company to send me the contract that I signed with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responded with a bill from XXXX XXXX XXXX. This is not a signed contract. I have not entered into any contract with XXXX XXXX XXXX. I never had their services. XXXX XXXX XXXX, XXXX has failed to show that I have had any services from XXXX XXXX XXXX. I am tired and I need the corporate harassment to stop. I am not consenting to any more written or verbal contact from this company or any newly assigned companies. If any of these companies have placed any negative entries on my credit report I am demanding them to be removed promptly without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone fraudulently used my Capital One card. After I became aware of the fraudulent charges I contacted Capital One. Capital One reversed the fraudulent charges, fees and interest in XX/XX/XXXX. Capital One corrected the account status except for the months of XXXX, XXXX and XXXX of XXXX. Capital one continues to report the account was XXXX, XXXX and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After Capital One corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to Capital One for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent three ( XXXX ) letters to Capital One attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. Capital One in every identical letter has refused to correct the reporting error. I called Capital One three ( 3 ) times about the matter and spent at least 4 hours on the phone in total. Two ( 2 ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX I.D . XXXX a Senior Accounts Supervisor who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of 30, 60 and 90 days late would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like I a piece of XXXX. I am going XXXX  XXXX crazy attempting to deal with Capital One. I was told by Capital One not to pay and was issued a new account and card yet Capital One wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call Capital One. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the Credit Bureau Resolutions dept., on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or two to correct the error. After 5 minutes the line went dead. Please help

Company response to consumer: Closed with explanation