vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We ( my wife and I ) had 2 homes mortgaged that were both serviced by and/or foreclosed upon by Wells Fargo XXXX after several attempts to complete a loan modification with them. We received a letter explaining that we were entitled to a portion of a settlement from a lawsuit against them for a XXXX XXXX XXXX that was over charged. We tried to notify them that we never received our settlement check and had moved but they never confirmed how to get my check and gave me the run around when we attempted to give them our new address. We never got that settlement payment. 

We have also been made aware that there has been a settlement regarding actual foreclosures. We were never reached out to, at our current address. We believe we are entitled to a settlement due to the improper foreclosures as well. However, Wells Fargo refuses to acknowledge our change of address and send us our settlement checks.

I am enclosing a copy of the first page showing my wife 's and my name on the letter we received, a copy of the second page, acknowledging that we had a home loan with Wells Fargo between XX/XX/XXXX XXXX XX/XX/XXXX. I am also showing an old credit report that shows the Wells Fargo loan that I had in my name. However, there was a second home we had with them that was in both my wife 's and my name. We attempted a loan modification on both home and both homes were foreclosed upon.

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 — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX vehicle were involved XXXX was vehicle was totaled insurance paid out on vehicle and XXXX later. I was told there was a balance left I still had to pay off I didn't believe so but paid XXXX other was a repo .over charge on insufficient 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Last XX/XX/2022, PayPal decided to banned my account suddenly. I have pending amount that currently on hold that time which is I understand due to their seller and buyer protection. I comply all the information they are asking and never had any issue before, no chargebacks and dispute. I really don't know and I'm still confuse why they put a violation in my account without even giving me an option to clear it. I tried to email them but still no proper detailed explanation like which transaction had caused it. 

I attach below is the transaction history and screenshots of the violation they sent.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have three main issues with my credit report with credit reporting agencies. 
1. I have noticed On XX/XX/XXXX, two unauthorized credit inquires made to my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and reported by TransUnion and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX reported in XXXX as hard inquiry for mortgage which I had never authorized. I have contacted TransUnion to fix this issue and advised me to report to CFPB. 
2. On XX/XX/XXXX, I wanted to purchase car and the dealer run my credit with different creditors and finally I was approved with one of them. Even if they did ran without my knowledge, they confirmed me that only one of them would be reported because all done in the same window period ( even in a minutes ). But all reported in TransUnion which is not acceptable. When I request TransUnion, it directed me to reach your office to resolve this issue. 
3. I have established my credit history since XXXX, XXXX but the credit reporting Bureaus only report the latest credit I have which is totally unacceptable and leave my credit history very young. I kindly request this Bureau to resolve my all above mentioned issues adversely affecting my credit

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On or around XXXX I saw a lot of pre approvals on CreditKarma.com. At first I didnt pay it no attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I could refinance my car everyday I would see these offers EveryTIME I logged into to check my credit scores. So after a few months of being told I was pre approved I thought I was now in the prefect place to apply. I got so many offers through credit karma I started telling my family about vacations and investments we were going to use these pre approvals for. So I applied on or around sometime in XXXX and I got got denied for 2 credit cards and 2 personal loans. I was very confused and distraught. I was anger and I felt deceive. I was marketed for months, Credit karma told me I was pre approved and it was a lie. I was Severely stressed and had bad Migraines I became antisocial. My anxiety went from 0-100. Now Everytime I see pre approvals i get uneasy.

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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Every time I tried to use my card it would be declined, then I would have to call the bank and they would say they thought it was fraud. Then also the returned every check I wrote due to insufficient funds, when there was money in my 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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Horrible communication Wasn't taking payments all the time Always try to come get it repossessed all the time Reported when I climbed bankruptcy and said I still had it Knowing that they got it the repo guy still drives around till this day It's going on 7 years and still dealing with it I'm glad that somebody's about to do something about 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Savings and Checking account. Closed account w/o permission.

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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of XXXX XXXX back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost XXXX  years ago so I do not have the whole account number but it is listed on my report as XXXX, the last XXXX digits of my SSN is XXXX. 
We agreed almost XXXX  years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.

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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX  XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX.High balance, XXXX. Last activity and XXXX. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXXXXXX XXXX XXXX {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a Wells Fargo customer from XXXX through XXXX. I was charged fees for using ATMs as well as 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: 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: KS

Complaint narrative:
My credit reports generated by XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1.High balance, 2. Last activity and 3. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXXXXXX Last activity XXXX XXXX  Last payment XXXX XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: KS

Complaint narrative:
My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.Hich balance and 2. Last activity which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: CA

Complaint narrative:
There will be instances where I go to make a routine online transaction and the bank suspects it as fraudulent activity and freezes and puts a hold on the amount of money being sent and my account. I am having to call customer service and waiting from 20 min to an hour just for someone to talk to me. This has happened numerous times and has made me consider switching banks

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 — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has paid its debt for the way they illegally had gap insurance while I had an active policy. However ; they have not yet paid me for the repossession or the collection efforts or impacting my credit score for years. Until someone figured out that I didnt owe them anything and they had caused me great harm.

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: AR

Complaint narrative:
ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

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 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XX/XX/23 - got an email alert from XXXX that Comenity/XXXX made a hard inquery on my credit report XX/XX/23 - received a letter in the mail from Comenity Capital Bank that my XXXX  XXXX XXXX application was being held up until I called them to finish the application process. I did NOT apply for this credit card, someone else applied for the credit card in my name fraudulently XX/XX/23 - I contacted XXXX to dispute the hard inquiry on my credit report and also had them put a fraud alert on my credit report and had them freeze my credit report. 

I plan to contact Comenity Capital Bank from the letter they sent and have them disregard the credit card application

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: CA

Complaint narrative:
I was a customer for over XXXX and I kept dealing with fraud which led to them closing my account instead of helping me..

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2016, after I had an extensive XXXX, and could not drive with assistance. In the moment of that, I switched my direct deposits to another account and kept a balance in my Wells Fargo accounts to ensure they would be in good standing. Wells Fargo sent me a letter closing my account with any explanation, telling me that they did not have to give me a reason. I was supposed to get a cashiers check from them but I was not able to use my torso, arms to drive. I had a checking and savings account. This was followed by closing of the account, and the failure of explanation when my account was in good standing. 

My former name is XXXX XXXX, and was my name when I had the 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: 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: MO

Complaint narrative:
My consumer report is falsely reporting utilization that is my experience with a line of credit that was extended between me the consumer and the Company that is making the report to a non-affiliated party. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on a consumer report. You have violated FCRA 15 U.S. Code 1681 ( a ) ( 2 ) ( A ), by reporting the transaction or in this case its an experience because we are talking about the utilization on my consumer report which congress clearly states are not included on any consumer report, you have 10 calendar days to update my utilization to 10 % or below or delete all utilization from the accounts listed below. Failure to respond satisfactorily with the task on hand will result in legal action. I will also file a commercial lien with U.S Treasury XXXX IRS for collections and restitution for violating my rights and deformation of character. Your company willful noncompliance under 15 U.S. Code 1681n and criminal liability under 15 U.S. Code 1611 is not what Congress intended.

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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I agreed to a payment plan with NCB for 40 % of my balance, in installments of {$130.00} for 24 months, equaling {$3100.00}. I took a picture of the offer I accepted, where I clearly circled and wrote what I was agreeing to. 

On XX/XX/XXXX, I received a payment plan agreement from them. It was for twice the amount. XXXX payments of {$130.00} for a total of {$6300.00}. This is not what I agreed to. I have since emailed and asked them to cancel the plan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am aware of secti

on 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I had previously disputed one of the items an
d received a response from the credit bureau on XX/XX/23 " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See 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: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Overdraft fees when I shouldn't have had them, closed 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