vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
They gave me a hard time with the loan modification. They denied me twice.

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 2023-01-21 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:
XXXX XXXX  counted in account went in to talk to someone n manager decided no one needed to explain XXXX threatened to call cops on us.Really bad experience, Atty wanted to take up case because They are known for calling cops on comsumers : I have been contacted for over 7 years over 5 times to settle this claim but always told someone will get back with me soon.

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 2023-01-21 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: OH

Complaint narrative:
TransUnion broke the law!!! They didnt get my consent to put items on my report and they did NOT complete a thorough investigation before putting these items on my report.

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 2023-01-21 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: WA

Complaint narrative:
I would like to get a charge off removed from my credit report called XXXX  XXXX  {$4100.00}

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 2023-01-21 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: WA

Complaint narrative:
I would like to get a charge off removed from my credit report called XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AL

Complaint narrative:
on my Credit report with Transunion there are 2 hard inquires that are duplicates. Both hard inquires show from " XXXX XXXX XXXX XXXX ''. The first hard Inquiry from " XXXX XXXX XXXX XXXX  '' was made on XXXX/XXXX/22, the second hard inquiry from " XXXX XXXX XXXX XXXX '' was made on XX/XX//22. Within a period of 2 days the lender " XXXX XXXX XXXX XXXX '' pulled my credit 2x. I have already reached out to the lender and they advised that is was a mistake but to get in contact with Transunion to Dispute. I have sent Transunion a dispute but they neglected to remove the duplicate hard inquiry.

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 2023-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Major, put an account balance on my student loan account hold to prevent me from registering in college me to finish my program already had completed XXXX college credits only XXXX credits left only need XXXX credits to get an XXXX Degree they refuse to give me my Degree working toward my XXXX Degree, and firce me to taje out student loans, had to withdrawl because the colkege says I used up all of my ungrauted money up, how? Left an balance on my account? This isnt my fault, someone mis mangage these funds from the Goverment finicial aid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

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 2023-01-21 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: CT

Complaint narrative:
I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
I sent the company a certified letter on XX/XX/2022 to Hunter Warfield XXXX INC, located at XXXX XXXX XXXX XXXX in XXXX FL. It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Fraud protection errors related to a recent home address change and overdraft fees

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Was charged interest when it was XXXX percent interest, payed off with no late payments.

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 2023-01-21 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: MI

Complaint narrative:
XXXX, XXXX AND TRANSUNION are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.

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 2023-01-21 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: MI

Complaint narrative:
EXPERIAN, XXXX AND XXXX are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.

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 2023-01-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I traded my XXXX for an Explorer. XXXX bank gave incorrect payout information to XXXX XXXX for the XXXX, then expected me to pay the $ XXXX that they made the mistake on. I refused because it was their mistake. I stated that I would just do a reversal and take my XXXX back. They ( XXXX ) drug their feet and attempted accepted no blame for their CLEAR mistake. XXXX XXXX ended up eating the $ XXXX mistake they made and I kept the XXXX. That was NOT my fault there for not a late payment on my part. This needs to be removed from my credit report immediately.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My deposit where never accurate and money was always missing

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Used to have account with Wells Fargo before it was closed! While had both checking and savings was charged several fees nsf and overdraft

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
I haven't received any money so far Can someone help me to get my credit card that has my funds

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX MD. It was financed through Wells Fargo. In the summer of XXXX, Wells Fargo repossessed my vehicle. I went to Wells Fargo bank XXXX XXXX MD, and explained my situation and offered to make a smaller payment and asked if they could lower the payment. We were told by the loan officer that they would not listen to our request and that in order to get the car back we had to make full payment and that payments would remain the same. I had contacted them months before the repossession asking for some leniency on payments and was greeted with basically " Too Bad, you signed the loan you pay the amount owed ''. Then after the repossession was finalized they continued to ruin my credit and sending me bills for the remaining amount owed even after the vehicle was resold.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX I had a Wells Fargo checking and savings account. XXXX was committed against me. I reported the fraud against me to Wells Fargo on either XX/XX/XXXX or on XX/XX/XXXX. I was XXXX with XXXX  overdraft fees and other fees even though I reported the fraud. I was charges with fees in the amount of {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX, and had to pay {$XXXX} to close the account because they kept charging more fees in XXXX of 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 2023-01-21 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: AR

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-21 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: AR

Complaint narrative:
This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX  for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Several deposits made where the money did not correlate with what should have been my funds. There were also unauthorized transactions that were taken from me with out my knowledge. Also transactions that caused over drafting when I was told I had this protection. 

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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2011 I was denied a loan modification by Wells Fargo after I lost my job and they foreclosed on my house in less than 6 months and would not work with me in any way to keep my house

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