vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a US Bank Reliacard for my unemployment benefits. Its been fine up until last week, my card is suddenly blocked. After calling multiple times and being hanged up on, I was able to reach a rep who informed me that the card was blocked and I needed to verify my ID. I went to the provided link XXXX verify.usbank.com/id ) and submitted my info, but I have yet to get my card unlocked. 

Its been a week, all of my money is on the card. I can't pay rent, I cant get food to eat, I need to solve this already. I deeply regret trusting that I could use the Reliacard for my unemployment. Its been an unmitigated disaster, its so shameful being unable to pay for my items at the store when my card suddenly kept declining. Theres XXXX in my account, thats my money and US Bank has no right to just suddenly cut me off. 

I need my account unlocked. And as soon as I can, I'm removing the funds and having my unemployment deposited with any other bank account. This is atrocious, I've complained onXX/XX/XXXX, called dozens of times. I've submitted my forms of ID as requested, and everyone keeps placing the blame and tell me they'll contact me. 

Tell that to my landlord, who needs the rent. I am borrowing money just to eat - I shouldn't have to do this. This is ridiculous, its uncalled for and I need the money which is rightfully mine. US Bank has no right to withold my funds for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Good morning, I applied different cc disputes against the same merchant for the same reason. All the disputes i have applied were closed by citi in my favor with 100 % refund except one. The one testi d still pending, Citi claimed at first that I have been refunded by the merchant which was not the case. Then citi stated that I did not submit the documentation which is also not the case. Now they are claiming that the date is past to make the claim. When I call I am passed from person to person and each one has a different reason for why the dispute has not been settle. Citi seems unwilling to resolve the final dispute and keeps putting me off after repeatedly attempts to have this resolved. It has been since XX/XX/2020 that I have been trying to explain and provide detailed information and proves about this dispute to citi

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX - My XXXX Unemployment/Pandemic Government benefit Visa Debit card ( Card # XXXX XXXX was charged XXXX $ in one fraudulent transaction by a *XX/XX/XXXXXXXX - After attempting to resolve the dispute in a gentle and respectful manner directly with the merchant ( XX/XX/XXXX ) and being denied - i continued the process with the Issuing Bank XXXX Bank Of America XXXX and then furthermore - with the Employment Development Department of California XXXX It has been months and I have exhausted every channel available to me. I have not received ANY reinbursment - AND my Card was Frozen and Shut Down due to the investigation and I have not been able to activate a replacement OR RECEIVE ANY OF MY FUTURE PAYMENTS - For 2 months and counting now. 

So i lost XXXX $ in the transaction as well as time and gas and money researching it etc etc and now have no card to get paid. 

I initiated my formal dispute with BofA on XX/XX/XXXX via phone call AND email " XXXX '' which THEIR site suggested. 

I am at a dead end ... 

Thanks! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA 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 2020-12-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX not mine address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, I had three incorrect charges posted by XX/XX/XXXXXXXX to myXX/XX/XXXX XXXXBank of America Visa. After several attempts at calling both XX/XX/XXXX and Bank of America I was finally, months later, able to get those charges reversed. However, there are 2 30 day late payments showing up on my credit report and I've paid 2 late penalties while waiting for the charges to be reversed. 


I should have some protections as a consumer in that I should not be penalized for balances that were factually incorrect, and the late penalty marks on my credit score seem quite unfair given the circumstances. 

This card had aXX/XX/XXXXbalance before these charges and it is my lowest limit credit card, one that I rarely use but I maintain only as it is my longest standing credit account. I've been a card holder of this card for 16.5yrs ( opened it in XX/XX/2004 ). 

Now unfortunately this is impacting my ability to obtain a jumbo loan mortgage to buy a home for my family, even though the amounts in dispute were less than {$100.00} and were in fact reversed. 

Bank of America has been completely unhelpful in this matter, putting the onus on XX/XX/XXXX even though they are partners on this credit card. 

At the end of the day, this is just a timing issue - it was an incredibly frustrating process trying to get my inaccurate charges reversed and because they were reversed in billing cycles beyond the initial posting date this issue was created. 

I have great credit otherwise and can provide supporting financial documents proving that I am certainly capable of covering my financial obligations. 

I am happy to work with you or with Bank of America to resolve this. 

Thank you, 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 monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We opened Citibank checking account on XXXX XXXX as a new customer. The Citibank offer a promotion " deposit {$15000.00} and maintain for 60days will get {$400.00} bonus '' We However, Citibank did not offer us promotion after we finish all requirements. 
We tried to submit the claim to Citibank. However, they said I am not a new customer. ( see attachment ), which does not make sense.

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 2020-12-11 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
We were made aware of an account in collections for {$920.00} when we applied for a mortgage loan. We researched the issue and found out it was a medical bill from the XXXX XXXX XXXX, part of an insurance claim that mistakenly was not paid by our car insurance carrier under claim XXXX. I paid the collection amount immediately. Our insurance company reimbursed me as it was their responsibly to pay this medical bill from a 2017 car accident. The insurance company issued a letter acknowledging an error on their end and asked that it be taken off our credit report. I have been trying for 2+ months to get this removed. The company has not removed it when I have disputed it and provided documentation of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened an account in a Wells Fargo Branch in XXXX XXXX, VA on XX/XX/XXXX. I opened one checking account. On XX/XX/XXXX I received a call from a Wells Fargo representative stating my account would be closed. The only transaction on the account was a {$25.00} deposit. So I was then transferred to another department that asked me had I ever had a Wells Fargo account I said no. So then I was told there was an account in XXXX that was opened another social was used, the signature on file didnt appear to match and another last name was used. So I was asked had I been contacted by Wells Fargo in the past I said no. Clearly nothing in the profile belonged to me. Then the representative said there was a bad check deposited into the account. Which I had no knowledge of. Then I was told that they would combine my information with the other one Im confused because how does my actual information get combined with someones else and how am I liable for an account that isnt even mine. Im being told that I now have a negative balance for an account I just opened and only deposited {$25.00}. My account was closed less that 24hrs after opening it.

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 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Remove from my credit report not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FL

Complaint narrative:
i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.DPT EDXXXX- XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX- XXXX 5. 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 2020-12-11 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: GA

Complaint narrative:
Incorrect payment information, information has been verified with account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FL

Complaint narrative:
i have made several attempts to resolve incorrect items being reported to Transunion. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. DPT EDXXXX XXXX 2. XXXX- XXXX 3XXXX XXXX XXXX 4 . XXXX XXXX XXXX XXXX 5. XXXX  XXXX- XXXX 6. XXXX XXXX XXXX 7. 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 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: GA

Complaint narrative:
Incorrect payment information, information has been verified with 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 2020-12-11 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: GA

Complaint narrative:
Incorrect payment information, information has been verified with 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 2020-12-11 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: FL

Complaint narrative:
i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX 2. DPT EDXXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX 8. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX, Navy federal credit union charged two insufficient funds fee of {$29.00} each. when I review my account the funds were available, also my paycheck was pending to be deposited. Doing this pandemic Im the only one in my household that still has a job and it is very difficult to stay up-to-date with my accounts and pay my bills. Every dollar counts during this pandemic and the Credit union is not willing to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 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: Checkr, Inc
State: NC

Complaint narrative:
County Searches : I don't understand why this is on my report Charge : XXXX XXXX XXXX ( STATUTE : XXXX ( A ) ) Explanation : This was a family oriented first offense moving into a new state and a new city, not XXXX related with passengers at risk. This offense was way before I started doing XXXX XXXX XXXX  from year XXXX until XXXX with tremendous ratings and passenger satisfaction. Their safety comes first much like I am a responsible father and driver to my kids and family. You can not ignore my XXXX XXXX  with complete satisfaction record. Please review this offense and have the report fixed so that I can be reinstated to drive for XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: SC

Complaint narrative:
I have made a total of 7 calls to Equifax on XXXX and XX/XX/XXXX. A lender is trying to pull my report but are unable to I had an extended fraud alert on my report that I had removed on the XXXX. I was told the lender should now be able to pull my report but they are still unable to. The lender reached out to me and stated there is a different name associated with my ssn Equifax stated that isn't the case and my address, name and ssn is all associated with my current address. Also XXXX XXXX isn't able to pull my report either and I can never retrieve my credit report from XXXX. This has really been a frustrating process and it seems as if no one is able to help resolve this issue. I am hoping that with this complaint I am able to get this issue resolved asap. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
My XXXX credit report reflects a false collection amount of {$59.00} due to Sequium Asset Solutions, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX for a cable/cellular Charter Communication account that does not belong to me or was ever opened by me. I submitted a dispute via My XXXX and their findings from the company stated the account does belong to me when it fact it does not. Written proof about this account ( such as the original agreement ), was never provided by this creditor and their mailbox seems to be miraculously full when you call during normal business hours. 

I request a full investigation into this matter and expect my credit report to be scrubbed of such falsified reporting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a VA Mortgage with Wells Fargo. I paid off my mortgage on XX/XX/XXXX. I informed Wells Fargo numerous times, on numerous phone calls, with numerous Wells Fargo Representatives ( to include Supervisors and the Executive Team ) that I want my Escrow Funds to be wired to my XXXX checking account. I was informed by Wells Fargo that, every call with Wells Fargo Representatives were recorded ( so they have proof of every conversation that took place ). I also have three cases with the Executive Team that have yet to be resolved as well. 

Wells Fargo has yet to refund me the {$500.00} that is in my closed Wells Fargo Mortgage Escrow account since the payoff on XX/XX/XXXX. It has been 37 days since they received my payoff via a wire transfer. 

Today is XX/XX/XXXX and they have violated the Real Estate Settlement Procedures Act of XXXX ( RESPA ). Specifically they are in violation of sections 12 CFR 1024.17 ( f ) and 12 CFR 1024.35 ( b ).

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 2020-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is related to the signup bonus for opening a savings account through Citi bank. I opened up an account and met all the requirements to receive the signup bonus. 2+3 months have passed but I haven't received the bonus credited to my account. I've contacted the banker many times to find out what's going on but they keep saying to allow 1-2 days to process the credit every time I called them.

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 2020-12-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting and address XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX that I XXXX XXXX XXXX XXXX has never live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FL

Complaint narrative:
i have sent Equifax several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked Equifax to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.XXXX- XX/XX/2019 2. XXXX- XX/XX/2019

Company response to consumer: Closed with explanation