vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
They charged me way too much for a used car loan. They charged me a very high interest rate. The put negative remarks on my credit, they charged me way too much in late fees, when I traded the car in they gave very little money. They over charged me for everything they really ripped me off

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 — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I have a personal account with cash app and Ive been using it for a long. Time and Im constantly active on it transferring money or using it as its my main bank I was told to switch over into a bussiness account so I did everything has been fine so me and another bussiness account have been making transactions with eachother selling antiques I was purchasing from him everything was fine until I was making a payment to that person that they let me put lay away basically reserve as Im making my payment it says that cash app has deleted that account I then reached out to cash app and told them reasons why? And that I have a transactions with that person I was buying Ive worked hard to try and purchase the antique and was happy to be finishing paying it off so when this happened I wanted a reason why there profile got deleted and I couldnt get an answer I cant get a hold of the person because we never thought this would happen Im sure hes just as confused as me so I let cash app know right away I just made a payment to this busssienss account how can you guys delete there profile being made that me n this person have been purchasing from eachother, extremely upset I worked extra hours to try and finish paying it off for something I couldnt get because cash app deleted there profile and couldnt give me in touch or any reason why

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I told the credit bureaus Equifax, XXXX, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax, XXXX, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. Equifax, XXXX and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. Equifax, XXXX, and XXXX has not did not do proper investigation and now XXXX, XXXX, and Equifax is in violation of FCRA Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX, and XXXX has violated my rights several times Equifax, XXXX, and XXXX has XXXX the laws of The FCRA

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 is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Citibank is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Citibank shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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: VA

Complaint narrative:
I told the credit bureaus XXXX, Transunion, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, Transunion, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, Transunion and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, Transunion, and XXXX has not did not do proper investigation and now XXXX, Transunion, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Transunion, and XXXX has violated my rights several times XXXX, Transunion, and XXXX has violated the laws of The FCRA

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo repoed my XXXX XXXX truck and sold it then tried to make me pay off the remaining 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at 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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me for fees, sating that I had drained my account of XXXX $ I said that I was working in XXXX XXXX..they insisted I was in XXXX XXXX at a gas station. 

I had to get a new account ... while being out of money. 
I had an expired ID.. they allowed me to open an account. 

Apparently they kept this account open..and I could check on its balance for some reason years later. 

I then read about branches of wells Fargo funneling money through expired accounts. 

This company has over charged me fees through meticulously Rearranging debit card transactions ... for years and I can only pay them. I have paid XXXX $ for a pack of gum and a sandwich at one point.

They forced higher prepaid credit limits on me, with out my consent..stating that I should have just said no. Essentially they broaden my credit limit..which means..I now owe them ... at first XXXX XXXX then XXXX XXXX and now XXXX XXXX They never asked me..they just raised the amount and forced me to pay it ... with ... ridiculous fees if I don't meet their quotas. Now I'm stuck in their game. I called them ... they shrugged me off. 

I can go on if you need to contact me further.

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: CT

Complaint narrative:
When I utilize my funds myself and my accountant review before utilizing funds from my account to be sure that I am not going over however everytime I use funds from either checking or savings I am charged over draft fees when I have the money in my account it is as if Wells Fargo takes money from me while items are processing then state I dont have the money in my account to cover then charges me overdraft fee every XXXX  of using my card and Im sure money is being taken because myself and my accountant keep records since the day Ive opened the account and weve noticed over time a great deal of funds owed back to

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: IN

Complaint narrative:
I had just been informed that I have been a victim of an Equifax data breach. Plus I just just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a account opened with wells Fargo and they closed my account but I still had money in my account how do I get it back

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: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX bank closed my checking account and blocked my access to my mobile banking and online banking account, information, atm debit card. 
XX/XX/XXXX called the bank to find out why I couldn't access mobile app. was told of a mobile check deposit that didn't clear for {$990.00} XX/XX/XXXX mobile check deposit for {$990.00} into my bank account by online loan company I was applying for a loan through XX/XX/XXXX went to my bank in person asking if a deposit was made for {$990.00} and the teller said yes and that it had cleared did I want to withdraw on it and so I did and sent the money back to the online loan company in a gift card as instructed. Was told by the online loan company that this was the verification process to see if it was my bank account as I said My bank said there was another mobile check deposit attempt on XX/XX/XXXX for {$990.00} which I was not aware they were going to do that again, they had left me messages but I was working and did not see them until next day and did not reply. By this point the bank must've been flagging my account but never notified me or contacted me other than an email saying they received a mobile check deposit on my account. 
This was my only bank account and I have lenders creditors that I pay monthly electronically from this account. The bank was not very helpful other than telling me what went wrong. When I went in person the teller said it was cleared and let me withdraw the money. Then the bank tells me it was clear, then not cleared.?????

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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Account Type, Status, Status Update, Balance, Balance Updated, Your statement and payment history is incorrect on XXXX, XXXX XXXX XXXX. This account should be deleted from my credit report. ( Credit Report From ( 3 ) three bureaus attached. )

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: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX  accounts # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been charged multiple times fees that werent supposed to be charged in my checking 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 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:
I was being charged unexplained overdrafts.

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:
Myself and my spouse XXXX XXXX worked at XXXX in XXXX to 2003 and banked at the wells fargo bank in waxahachie until we got tired of the over drafts that we would run into at least once a month. we have since changed backs and are very happy where we are. Not needing anything in return just wanted to point out we are another couple that was hit by the wells fargo issue. We would deposit our checks and use the funds a couple days later. they would move our outgoing funds to cause the overdrafts. as in we had a bill that we had the funds for and another bill that had to wait for a couple days so we had the funds in the account but instead they would move the lesser bill back n put the bigger bill first causing the 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 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX is inaccurately reporting debt not belonging to me as a collection XXXX XXXX Times for same amount. This account I am not aware of an it is appearing on my credit report XXXX times for the same date and amount XXXX must correct this error and stop the inaccurate reporting of PARAMOUNT RECOVERY SYSTEMS and XXXX XXXX XXXX XXXX XXXX must delete the duplicated reporting from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation