vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BOA instead of declining my debit card for being {$8.00} short on the charge to XXXX 's they charged me a {$12.00} overdraft fee. I have had this conversation with them several times and have told them to always decline the card if there is not sufficient funds in the account to cover the debit and the rep assures me they will. I talked to a very rude supervisor XXXX @ XXXX XXXXct after holding for 15 minutes and she declined my request. I asked for a supervisor and she told me it would be a very long wait time. I decide to get help this way instead. As you can see on the uploaded document the transaction is still pending yet they have deducted the 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 2020-12-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My Mortgage Account with XXXX XXXX act # XXXX was paid in full XX/XX/2020. Upon checking my Equifax, XXXX  and XXXX credit reports XXXX XXXX last reported to the credit depositories was in XXXX still showing a balance. 

XXXX XXXX has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact XXXX XXXX to report my mortgage Paid in Full to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.

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 2020-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
On XX/XX/20 I sent NCB management a letter, asking them to validate the date, which they are required to do, when asked, as part of the provisions of the Fair Debt Collection Practices Act, which they failed to do. I sent them a 2nd letter on XX/XX/20 that since they failed to validate the debt, that they were required by the FACT act Section 312, to remove the collection account from all 3 of the credit reporting agencies, which they failed to do. I sent them a 3rd letter on XX/XX/20 reminding them that they have yet to validate the debt, or remove it from my reports, and that if they didn't, then I would be taking legal action. With all 3 letters they gave the same response of, " they received my dispute, and after conducting an investigation, they were unable to substantiate the allegations of my dispute ''. I'm attaching all 3 letters that I sent, as well as the last copy of the letter they sent ( all 3 letters they sent, said the same thing ). The debt in question is a collection account, with the original creditor being XXXX XXXX, for a charged off auto loan, in the amount of {$10000.00}. XXXX XXXX is in the middle of a class action lawsuit for thier business practices, and NCB is supposed to no longer be allowed to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.

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 2020-12-05 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: NY

Complaint narrative:
I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2020 to XX/XX/2020 I was traveling from XXXX AZ. to XXXX OH. 
On XX/XX/2020 I checked into a XXXX XXXX XXXX in New Mexico and was informed there was a problem with my XXXX XXXX XXXX credit card which was never out of my possession. 
I called XXXX XXXX XXXX and told them to cancel the card. 
I tried to resolve the problem over the phone to no avail. They gave me a case number for their investigation # XXXX. I called several times over the next few months and was told the investigation was ongoing. I had paid the bill so I would not be charged interest on the bad charges. I was told I did not have to pay disputed charges while they were under investigation but they would still add on the interest charges. 
The charges they never resolved are : XX/XX/2020 XXXX  XXXX XXXX  XXXX SC {$100.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX CA {$110.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX XXXX SC {$97.00} As I explained above I was in New Mexico on my way to XXXX Ohio. Based on my credit card statement there is no way I was in any of those locations. 
Based on this information I do not believe CITI acted in good faith.

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 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is a medical bill. I have insurance that the emergency room should have billed. I was never given any knowledge of this bill. They violated my HIPPA rights sharing this information with a 3rd party collection agency instead of correctly filing with my insurance or even giving me a chance to file with my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: GA

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I got a collection from debt recovery solutions. I have asked that they provide proof that I owe the debt over 30 days ago and was told I was going to get it. Never got proof for the XXXX dollar debt. They have not taken it off my credit report either. It needs to come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to financial losses of coronavirus I was behind on a few car payments with Wells Fargo. I spoke to someone around XX/XX/XXXX or XXXX  2020 and they said that they would give me two more months deferment If I paid too late payments whenever I come up with it in about a month due to financial hardship. The representative told me that they will reach out to me around XX/XX/XXXX to see the progress but no one ever did. I was away from home looking for additional work and helping family that had also been impacted by coronavirus and when I return home on XX/XX/2020 I checked the mail and received a letter from Wells Fargo stating that I had to pay a certain amount to bring the account current By XXXX XXXX, 2020 or else the account maybe considered for Charge off And the balance may come in the full. I called the same day that I received a letter on XX/XX/2020 and they told me that they already had charge of the loan on XXXX XXXX, 2020. Is it ethical business practices to charge off a loan before the paper notice of XXXX of XXXX 2020. They told me in writing that I had until XX/XX/2020 to pay the balance but then they turned around and charged off the loan on the XXXX of XXXX 2020. Now they are threatening and pressuring me to pay the balance in full when I have not even had time to properly respond to the notice. What can I do in the situation? Not only that no one ever called you back to give me the deferment that they said that I could get that they promised that I can get they just went straight on to charging off the loan.

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 2020-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On a XXXX  you are told the benefits are : 1. Funds contributed are pretax and you wont be taxed on funds spent on your healthcare. 2. Funds that are not spent do not lost at the end of the year. 3. You will earn interest on that contributed funds. 4. Contributed funds are yours for use regardless of employment status, the company you work for, and through your retirement. 

What isnt disclosed is that, in scenario 3, to maintain the account, the bank will charge a monthly account maintenance fee that is higher than the interest earned. If you choose to withdraw the funds from the account, you are then penalized at a higher tax rate by the IRS. 

I am paying for XXXX  coverage and was told that XXXX is not covering the charges for my HSA. 

This is a total scam! An employee may as well take the XXXX with the upfront tax break for the amount they will use each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I opened a XXXX charge account with Citibank in late XXXX. My XXXX statement showed that I had a {$1200.00} charge. They said that the charge had started out with Citi and had then been transferred to the XXXX  XXXX XXXX. Citi claimed that I had authorized the transfer when I opened my Citi account. 
I did no such thing. Besides, I had closed my XXXX  XXXX XXXX account. 
When I said I hadn't authorized the charge. Citi transferred the {$1200.00} charge back to them from the XXXX  XXXX XXXX. Citi still says I owe it to them, although they still won't say for what. 
I started this dispute with Citi in late XXXX. They turned it down on XX/XX/XXXX. Then I got sick, and wasn't able to pursue it. I sent them a letter yesterday, XXXX XXXX, 2020. This was my second letter. I never got an answer to the first one. 
I never charged anything worth {$1200.00} on my Citi card -- nothing. They have never told me what the charge is supposed to be for. They never proved that I had authorized a transfer of the charge to XXXX  XXXX XXXX, because I never did. Citi pulled this {$1200.00} charge out of thin air and won't discuss it with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TX

Complaint narrative:
In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, OnXX/XX/XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information. 

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.

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 2020-12-05 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: NM

Complaint narrative:
Experian did a major violation of my rights under the FCRA by changing and/or illegally updating the date of status and date of first reported on XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have contacted Experian a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Experian it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2020 I received notification from my credit monitoring companies shows that a credit card account from XXXX  were reported to the Equifax credit bureau with the description reported as affected by natural disaster credit card. I called XXXX  and the customer service rep says that my account is not on any disaster plan. I called Equifax to dispute the charge and Equifax and were told that there wasn't anything in the description says my account were affected. I have a screen shot copy from the credit monitoring it's been other occupation where Equifax has reported and inquiry from XX/XX/2020 in XX/XX/2020 it showed up on my credit report and when I called the company they didn't have any knowledge of that inquiry. This has cause a halt with my credit score because Equifax keeps reports errors that harming my credit. Being a XXXX XXXX and working very hard to achieve a better credit score and for the credit bureau to report these errors and to have a lower credit score is very emotional hurtful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TX

Complaint narrative:
In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, On XXXX XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information.

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.

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