vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: UT

Complaint narrative:
Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ), I opened checking account via their website on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service twice in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.

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 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. 
This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo by phone and by email and provided them documents and pictures and notes from other businesses so they could at least apply a temp credit its been 4 months and they are still working on it and have failed to give me a provisional creditDispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Information Received Since then I had to have the whole engine removed and much more because of the original merchant not doing the correct repairs or repairs that were needed he was guessing

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a credit card from XXXX  several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. XXXX isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. XXXX has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: IL

Complaint narrative:
XXXX/Lead Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One credit card has shown no remorse or help during hardship of XXXX. The are the worst company to deal with and would not want others to fall in this same trap. It is heartless to the story of someone that was in XXXX  for months and still will not help with interest. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to mobile deposit a check I received with Bank of America. It stated that it usually took about 3-7 business days to clear to insure funds were available to cover the check this happened back in XXXX I believe. Undoubtedly there wasnt enough money or the account had been closed so the check came back I never had access to the money whatsoever. Months later I had two fraudulent charges on my account that I reported about two weeks later I attempted to login to my account and was unsuccessful. I reached out to Bank of America where I was told my account was closed and my funds would be sent to me whenever they saw fit.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank accnt # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumeXXXX files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The amount on the credit report is not correct.other acc is beyond the statue of limitations.. And Im still being contacted by debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Furnishing and Reporting Old Information Furnishing and Reporting Inaccurate Information Withholding Notices

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX ( or XXXX ), I was informed via 2 separate texts that i added myself and XXXX as XXXX receipients. I thought it was weird but the last person that sent me money via XXXX was a friend named XXXX. I added her personally via phone number through my Wells Fargo app. I didnt think anything of it. Then I receive back to back phone calls and a text on XX/XX/XXXX around XXXX concerning possible XXXX  fraud of XXXX. The text sent was very misleading and looked identical to past WF texts. I eventually did answer the phone. The number was also almost identical to wf as it was just 1 digit off! I didnt have to give any personal info, so again believing it was Legit I thought matters had been handled. I was told I would receive a new card and that my funds would be released in 24-48 hours. They also sent a verification text from a common wf 5 digit code that I have received messages from before that are still in my phone to this day! The WF rep was shocked when I told her they had used that particular number and informed that was NEWS to them! The next day XX/XX/XXXX I received what was said to be a follow up call from a similar from the day before. Again just one digit off from actual WF. This one was even trickier! Again another verification code was sent! Within minutes of ending that call I received an email that ANOTHER XXXX was Zelled to new recepient XXXX! I called wf immediately and thats when I knew I had been tricked into answering these identity verification codes so quickly. They werent actually identity verification codes as I was told over the phone and had received so many times in the past! After of almost 90 minutes on the phone with WF. I was told there was nothing they could do and I was stuck until after their 10 day investigation was completed. I am a micro biz and this fiasco is going to literally take me under! I never added those recipients. Any recipients I have added were done via the wf app with a phone number!

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 2022-09-20 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: NY

Complaint narrative:
I received several emails from Chime about a new checking account opened in my name, including an alert that a debit card was to be mailed to my home. The account was opened with my maiden name and the address used was an old address. I did not open a Chime account, I didnt even know what Chime was at the time. The first email from Chime was received on XX/XX/22. When I saw the email on XX/XX/22, there were four emails total from Chime at that point. A disclaimer at the end of the emails provided instructions to report if an account was open without authorization, and the instructions included to email Chime with the subject line a chime account was created without my authorization. I did that and sent it on XX/XX/22. I never received a reply. On XX/XX/22, 10 days later, I received a debit card in the mail. I called Chime XX/XX/22 to report fraud and they closed the account. The woman on the phone asked for my SSN which I did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC  XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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