vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I drive 40 minutes, 1 way, to the bank every week I get a nasty letter. XXXX. I get XXXX direct deposit and they for 5 months denied me online access or any access to account although my XXXX is through social security number. Twice I went in and XXXX at Wells Fargo says it's resolved. XXXX. I get a letter for safe deposit box although social security is corrected. XXXX. I went in but couldn't be seen. XXXX. I made appt and have card. I went in. Wells Fargo doesn't have appt. I wait. XXXX, teller mgr is not working. Only 1 teller. XXXX illegals come in to open account. XXXX tells them all they need is social security number BUT SHE KEEPS HARASSING ME, THREATENING TO CLOSE ACCOUNT, CLOSE BOX, REFUSE APPT, HAVE ME WAIT EACH WEEK. IM BEING DISCRIMINATED AGAINST. Now XXXX said it's my address-My address is through Attorney General.

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my personal credit card account without my authorization after having it open for XXXX years. The company 's actions will likely negatively impact my already classist XXXX XXXX which I have worked hard to upkeep. I am in the process of purchasing my first home and these actions could have ramifications for me beyond just a lower credit. Why do these financial institutions want you to open an account and then close it for you? I called Capital One and they had XXXX concerns about me being upset and how their actions could affect me financially in other ways. Their answer was to open another account which would also negatively impact my XXXX XXXX because they would have to run my credit again. I am beyond upset with their decision to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXX isnt reporting an account to Equifax im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all XXXX bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both Equifax and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXXXXXX isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. Experian hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both XXXX and Experian. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NV

Complaint narrative:
I contacted seedfi on XXXX XX/XX/2022 about my {$240.00} that was supposed to be refunded to my XXXX XXXX XXXX  account as they closed out XXXX by account on XX/XX/2022 They stated it would take XXXX to XXXX business days for me to get my money back. Now as of today XX/XX/1222 they're saying that they're keeping my {$240.00} that I had paid into the account as the account is XXXX XXXX for you to save money and it locks it in until you reach a certain amount of money then you're able to get your money back but they report all this as a loan on your credit So you can build credit history but really the company never really gives you any money that you can go and spend your anything like that it's all fake. So now they're saying they're keeping my money because my original agreement with them was that they would give me a {$1000.00} loan which I would have to pay back But really they never gave me any money they goes into an account and then it was locked until I reached that certain amount now that they're closing out my account they're refusing to give me back my {$240.00} that I paid in to them they never gave me the other {$760.00} they're saying that I owe them. This is crazy like they're basically just robbing me for my money and closing out my account and not allowing me to pay the other {$760.00} in order to get back my {$240.00} that I gave them I don't even think this service should be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX for the following accounts : Account # XXXX, Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ), Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate request. These companies have XXXX business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.

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 2022-11-12 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: IL

Complaint narrative:
Capital one has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Recently, I discovered that there was a negative credit reported due to a collections agency trying to collect a debt that did not belong to me. I called and spoke with " XXXX XXXX '' at Procollect to inquire about this debt and discovered that it belonged to a person named XXXX XXXX. After stating that my name is not XXXX XXXX, she started getting upset, frustrated, and irate when I asked to speak to someone who could help me dispute this. She demanded that this account be paid and that it did belong to me. She was no help at all. 

I am currently in the process of trying to find housing and it's making it very difficult because of this. I believe this is harassment and abuse by this individual and this company called Procollect. I am not able to get any help and this company has placed a negative report and it's affecting my credit score and ability to find housing. 

Procollect has provided me with the account number XXXX. I also emailed them a police report as identity theft. Please help as this company is being abusive to their consumers.

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 2022-11-12 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: UMPQUA HOLDINGS CORPORATION
State: NV

Complaint narrative:
Per complaint Complaint Number XXXX on file with CFPB for XXXX. XXXX and XXXX are jointly responsible. 

Please reference original complaint and response on file with CFPB.

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 2022-11-12 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:
This is not a duplicate request. These companies have four business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: CA

Complaint narrative:
This is not a duplicate request. These companies have four business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Filed A FTC ReportXXXX XXXX  XXXX responded account 's meet FCRA requirements, unfortunately that statement alone will not suffice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Pursuant to 1692g , i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX + XXXX XXXX  XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
RE : Method Of Verification ( TransUnion ) METHOD OF VERIFICATION LETTER Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards,

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 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I used to be a resident of XXXX XXXX XXXX. But i have already paid my debt or any other amount i have to pay a long time ago. It was their mistake to send them this. Please clear out with them. They will clear this. Actually, XXXX XXXX XXXX have to give me certain amount refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: CA

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 604 A Section 2 : 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 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.

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 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I was scammed on a XXXX purchase for wheels. I used Zelle that was offered through my bank ( XXXX ) app and transferred {$1000.00} to someone who obviously isn't real. when I tried to reach out to this person I was blocked from messaging them. I did not know that I was being scammed but I felt confident that XXXX would have a way to protect me from something like this. When I filled a dispute through XXXX they said that reimbursement was declined because of Zelle 's policy. Why would XXXX support a company like Zelle!? XXXX is a military banking system and they can't even protect us from scams? this seems crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
Lexis Nexis has incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received a debit card in my name from Chime through the mail. I do not have any dates for when exactly it was received. I first got it on XX/XX/, so it was from this week in the mail. I was not given any specific details on the amounts used or taken, however, the company closed the account immediately and I would not be held accountable for any balances. No money appears to have been stolen from any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
The bank applied a negative XXXX balance to my account for attempting to cash a check that they claim would not process. The check was cashed at another bank without any issues. The account was frozen and had a the negative account balance. The check cleared XXXX XXXX The bank refused to cash a payroll check drawn by there bank and a local University that wouldn't clear a mobile deposit and refused to credit my account for a deposit. The bank has took me through high volumes of stress & grievance without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, Il. I was told I had to pay {$2500.00} down payment for vehicle and also pay for my own car insurance upon leaving the car lot. Later upon doing research I am aware of " Tile '' ( Truth in Lending Act ) and also aware that with contracts I was taken advantage of and wasn't given full information about my vehicle contract. There where billing errors and also wasn't aware of my rights to rescind a contract as well. Later down the line my vehicle was also reposessed with a warning of the repo and also I paid my car note and it was a system error on there end but still decided to repo my vehicle and made me come out of pocket and go get my vehicle instead of returning to my house where they picked it up from. Also the documents I signed was a privacy notice, and in the noticed it said they may not disclose person non public info about myself to any third parties unless permitted by law, and according to my knowledge giving my info to the third party such as repo company was not lawful.

Company response to consumer: Closed with explanation