vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
many fees charged to my wells fargo checking account XXXX to XXXX. My account was frozen by wells fargo as well, then closed!!! I had banked with WF for 37 years!! I was shocked. WF and several customer service reps screwed me up finanancially for years too.

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 2022-12-20 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: VA

Complaint narrative:
I always paid off my New Balance before or on the XXXX  of every month On XX/XX/XXXX I paid {$710.00} for my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX Checking - XXXX However on XX/XX/XXXX XXXX Credit Card showed ELECTRONIC PAYMENT on XX/XX/XXXX so I phoned Capital One Customer Service at XXXX told me that Capital One will waive {$25.00} of Fees Charged and {$11.00} of Interest Charged before I closed all accounts with Capital One on XX/XX/XXXX On XX/XX/XXXX I paid {$1900.00} my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX XXXX XXXX XXXX checking account because Capital One did not waive {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX Now on my XXXX Credit Card of XX/XX/XXXX Payment Due Date showed {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX I need XXXX XXXX XXXX to contact Capital One about refunding {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX and negating {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank is requiring me to purchase homeowners insurance coverage for XX/XX/2022 to XX/XX/2022. My insurance agent says XXXX XXXX XXXX XXXX XXXX can't provide coverage for the past, which makes sense. PNC will soon charge me {$190.00} to purchase said past insurance. PNC won't speak to me on the phone and I hit deadends trying to resolve this issue online. Please tell me who is correct. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-12-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I purchased a Paypal prepaid debit card as a gift last week ( XX/XX/XXXX @ XXXX ) at XXXX Store # XXXX for the amount of {$75.00}. The recipient of the card was not able to activate the card, therefore I purchased a new card to replace the old one. Now I am asking for a refund or activate the they are refusing. Paypal or the store. 
the card # XXXX expiration date XX/XX/XXXX XXXX XXXX # XXXX Please email at 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 2022-12-20 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist bank has been contacted by me multiple times about automatic payment. They have told me each time they will send me the paperwork to enroll. I have never received it. There is no way to enroll online. The website is cumbersome to use and makes it difficult to make payments without opening a separate checking account with them. They are anti-consumer and have charged fees resultant from their difficult website. They are not concerned with customers at all.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had the POA on my brother 's checking acct. at Wells Fargo Bank, and he passed away XX/XX/2022 and even though I had a living trust document, that left all my brother 's possessions to me, as the sole beneficiary, they would not let me have the money. It's only {$400.00}, but it's the principal of it. I went to the bank in XXXX, Ca. 3 times by appointment, I don't have the dates but they should. It was soon after his death in XXXX. I had to pay for his funeral and cleaning up his house out of my own pocket, and they were so rude at the bank.

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 2022-12-20 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: GA

Complaint narrative:
I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.

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 2022-12-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-20 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:
In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report. 

CONSUMER REPORT - ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

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 2022-12-20 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: SC

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

Transunion tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : 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 2022-12-20 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-12-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband and I have separate addresses due to personal problems. We have had a joint account for years before the separate addresses that I don't use. Because of my credit problems I filed a bankruptcy, he did not. I have not worked in years, he's the one who works and makes deposits into this account. Wells Fargo went in and froze my husband 's account with almost {$8000.00} in it. My husband is blaming me and is very upset. My attorney said my bankruptcy  would not affect my husband in any way, but Wells Fargo has frozen his assets. My attorney said they are about the only bank they know of who does this type of unfair practices to their customers. My husband has bills and mortgage and other items to take care of, as well as it being the holidays. Can someone help to unfreeze this 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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I had file a claim with bank of America for a gas transaction and two ATM transactions and immediately updated with the bank ... I have a regular paystubs coming into my account..I have a kid too feed who is XXXX year... they denied my claim... how can bank of such big can do this..how am I responsible for fraud..skimmer might have used card anything can have happen..how can they denied it..I want immediately help and my money back... I have been with bank for more than four year plus..

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 2022-12-20 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I do not have an account number as this account was opened without my permission and I have not received anything ( statements, card, etc ) I had massive fraud on my synchrony/Lowes credit card in the summer of 2022. After a very long time of getting it resolved I was told my account was permanently closed. I went to check my credit report on XX/XX/2022, and there was a late payment for another charge on the synchrony/Lowes credit card for {$530.00}. When I called synchrony/Lowes, they said my account was never closed down Although it shouldve been and they will have to do a fraud investigation. In the meantime, it has knocked my credit score down, XXXX points and I am trying to apply for a loan, so this is having a deleterious effect on my ability to do that. 

I told XXXX that they should not be happening every few months with fraud. I dont know what to do at this point as they are saying it could take up to 60 days which is outrageous. This account shouldve been permanently closed as they told me it would. Please help.

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 2022-12-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-12-20 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: AL

Complaint narrative:
This is my 3rd complaint for TransUnion. 
I have asked them to verify the method of verification for the bankruptcy listed on my report to no avail. I have being dealing with this same issue since XX/XX/2021. I keep receiving generic letters and/or they stating that it is verified as accurate. This was not a dispute but in fact a method of verification which under FCRA 611 ( a ) ( 7 ) Im entitled to. It has been way over 15 days from the initial requests and all TransUnion is doing is treating it as a dispute with no validity to their claims. Plus I also have written them letters to correct my personal information which hasnt happened either. My name is not XXXX XXXX XXXX XXXX they refuse to correct their error on my name as well.

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 2022-12-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation