vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 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: TX

Complaint narrative:
Wells Fargo charged me a service fee of {$12.00} on an account with XXXX XXXX balance during this time. The could clearly see the usual deposits had not been made in some time. My frustration is they claim to be working with customers. I know they're lenient toward the small business owners and homeowners. I don't think it should be any different with the regular small customers who use their services. 

PS. I called them for third time on Saturday at XXXX and was rudely hung up on.

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 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
3 months ago, I opened a checking account with U.S. Bank. The term was for me to get {$350.00} bonus after direct-deposting for 3 months. After 6 months, U.S. Bank did not provide me the credit as promised, so I closed the account. First, U.S bank charged me {$36.00} for closing the account. Then they closed it and sent me a check with my remaining balance. Now, after a month of closing, they suddenly stated there were pending transactions at the time I closed the account, and now they are posted. And because I had no balance on my account, they charge me {$36.00} fee for each transaction causing me to be overdraft for {$200.00} in fees and {$43.00} in transactions. This is clearly a crime. How could a bank is allowed to operate based on fraud like this? How could they not see pending transactions at the time of closing until a month later? Are they doing fraud on customer. This needs to be looked at.

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 2020-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2020, the Equifax credit bureau received a certified letter from me disputing items and requesting validation of multiple accounts. On XX/XX/2020, I received a letter from Equifax stating that they needed more information to confirm my identity and my current address. I was able to gather that information replied to that letter via certified mail on XX/XX/2020, and that letter was then returned to me on XX/XX/2020. 

When I did not hear back from Equifax by XX/XX/XXXX with return receipt, I sent off a second letter which was received by Equifax on XX/XX/2020, of which I DID receive the return receipt for on XX/XX/2020. 

I feel that Equifax Should be held accountable for rejecting my letter with the information that they requested. The actions set forth by Equifax has displayed an inability to accurately follow federal guidelines set by the FCRA Section 623 ( a ) ( 3 ). They have not afforded me a proper dispute within the given timeline set by the FCRA.

All documents have been attached as proof Page 1. Return receipt for initial dispute singed for by Equifax on XX/XX/2020 Page 2. Equifax 's request for additional identification dated XX/XX/2020 Page 3. Return receipt for dispute follow-up signed for by Equifax XX/XX/2020 Page 4-6. Returned Mail Slip from USPS Along with USPS tracking printout I have also attached the same documentation to verify my identity to avoid any further mail rejections or delays

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reported this same reoccurring issue of my transcations being declined on multiple occasions in which Citi bank has responded with several inaccurate excuses as to why each and Everytime my transactions have been declined. Citi bank has failed on several occasions to make any attempts to resolve this reoccuring matter. Today once again XXXX XX/XX/2020 Citi bank intentionally stopped my transaction. This reoccuring issue has caused me a great deal of stress along with financial issues. I'm asking that my account is investigated and Citi bank doesn't not stop or attempt to stop any of my transactions in the future. Funds will be fully available in my account and Citibank will deny me access to my funds along with stopping any transcations. I have also reported another time an issue happened similar to this one to the CFPB on XXXX XX/XX/2020 which is when Citibank declined another one of my transactions and purposesly freezed my card from being able to remove my funds for days. So once again I'm requesting that this complaint is taken seriously enough to be properly investigated.

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 2020-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I walked into XXXX Honda on XX/XX/2020 with a approved loan with XXXX XXXX in the amount of {$50000.00}. When I sat to make the purchase I explained I didnt want my credit ran with no other company. I was assured by XXXX XXXX ( sales rep ) it would only be ran with XXXX and XXXX XXXX. Three days later I went online to check on my report to see XXXX XXXX and two days after that Honda America had ran my credit. I have a freeze so these companies would need to have me call in so that verification can be done for the credit report request. When I was contacted I denied the call although I still received the inquiries. I contacted these two banks only to be referred to the finance department of XXXX Honda XXXX so that they can submit the removal request. The manager said to me it wouldnt hurt and not to worry because my score would go back up in days and he apologize for sharing the information beyond my initial request. I was taken advantage of by this company then pushed aside because the deal was made. Even after finalizing the deal with XXXX XXXX another request for my report was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Im a 20 year XXXX  veteran. All my medical is covered because of my service to my country. I only have to pay a co pay. I have sent a letter to this company when they first opened the collection. I have not received a response from them to take said debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: TX

Complaint narrative:
I mailed a notarized dispute letter to Experian via certified mail notifying them of inaccurate information and accounts on my credit report. Experian received my letter on XX/XX/XXXX. I requested that they investigate and VALIDATE the accounts as well as provide me proof that this information is accurate. I also requested that they remove these inaccurate accounts from my credit file. 

XXXX {$1500.00} XXXX {$2800.00} XXXX XXXX {$1600.00} I received an update on XX/XX/XXXX report # XXXX that the investigation was complete and the accounts have been updated. The accounts were NEVER investigated nor removed. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to investigate and validate - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Experian failed to follow the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )

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 2020-05-03 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: CNG FINANCIAL CORPORATION
State: MN

Complaint narrative:
i notice a negative item on my credit report from AXCESS FINANCIAL AND SENT A DISPUTE ON XXXX XXXX,2020 CHALLENGING THE VALIDITY AND VALIDATION OF THE DEBT IN ITS ENTIRETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My employer filed an unemployment claim on my behalf due to COVID-19 effects and I never received a Go program card and I cant get in contact with customer service to transfer funds to my direct deposit account ... ..Im owed 5 weeks worth of benefits that I cant access and cant get in touch with anyone to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: NV

Complaint narrative:
I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. Transunion, XXXX, and XXXX have been willfully disobeying Credit Laws. In XXXX, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX XXXX, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.

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 2020-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i check my credit report and notice some inaccurate items on it that were affecting my livelihood from obtain a home, so on XXXX XXXX,2020 i sent transunion a dispute letter about the incomplete and inaccurate accounts that they are reporting on my credit. i also mail it certified on XXXX XXXX,2020 confirmation number is 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 explanation
Consumer complaint received 2020-05-03 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: VT

Complaint narrative:
I initially had to file a complaint because I couldnt access only my Equifax report for a few months. Finally after filing my complaint here and after some time I have been able to access the Equifax report along with the other 2 bureaus. But now Equifax is displaying very inaccurate information which could affect my approval for a home that I am getting ready to do next month. There is a XXXX XXXX account # XXXX purchased in XXXX, that should no longer exist on there and now they have it showing as 90 days late in XX/XX/XXXX which is completely unacceptable.This loan had it first date of delinquency in XX/XX/XXXX and subsequent issues and was paid off in full XX/XX/XXXX. It has been well over 8 yrs since purchased and over 7 since first date of delinquency. It should be off my credit report. Whats worse is they have a paid, old account shown 90 days late in XX/XX/XXXX which could very well affect my home loan approval. Im not sure if this was done on purpose because of my first complaint due to their lack of getting me access to my reports. I tried to dispute this online but I cant even do that. It says dispute still under investigation which should not be true. All disputes have been completed. Yet I went to where the XXXX account was listed to complain about this issue and couldnt. Please fix this. Equifax is the only bureau Ive ever had trouble with. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Vt XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have closed 2 accounts with capital one over a month ago and not only did they not honer the pay offs given to my closing attorney but they are holding the 2 small credits that are on the 2 accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After waiting over 5 weeks to get the XXXX debit card, we are not able to obtain a PIN number or create an online account in order to make use of the funds. When calling, we are given a recorded message requiring that we use the Bank of America Pre Paid Card Website in order to access our account, however that website only provides an error. This leaves us without access to the funds needed to pay rent. Without access to the online account, and with their phone support directing us to the website, we can't transfer funds to an account so we can write checks.

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 2020-05-03 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:
On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.

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 2020-05-03 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: AL

Complaint narrative:
i look on my credit report from Experian and notice some negative items that are errors and need to be delete from my report on XXXX XXXX2020. they are inaccurate and duplicate accounts and need to be delete quickly. i also am asking for the method of verification of these items that experian are reporting.

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 2020-05-03 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: NV

Complaint narrative:
I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. XXXX, Equifax, and XXXX have been willfully disobeying Credit Laws. In 2018, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all XXXX creditors involved in the opening of accounts in question : XXXX XXXX, XXXX XXXX, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.

Company response to consumer: Closed with explanation