vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. XXXX, XXXX and Equifax all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX inquiries on my XXXX credit reports. XXXX, XXXX, and Equifax have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: AL

Complaint narrative:
The interest was to high for the Vehicle. The cost of my vehicle was XXXX. I was charge another XXXX in interest. It's a rip off for a Use truck 2016. Yes want to be part of this Settlement. Thank you

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 2023-01-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an auto loan with Wells Fargo, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an auto loan with Wells Fargo in 2011. Wells Fargo charged me for unnecessary fees and other charges!

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 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scam XXXXXXXX XXXX throughout a scamm I made a complaint 9 times to my bank and also a police report in 2022 instead of the bank Even give me back half of the money they close Down my relationship with them because they don't want to be responsible

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Suntrust for 2 of my business. I went out of town and left the account information inside a car I rented. I reported it to the bank and they closed my account. As of date I have not received the funds that was used to open either of the accounts. I called and listed the branch only to get no where. Finally to make me go away they claimed the check were sent and cashed however they went to an address different than that of the debit card which makes no sense. When I asked for a copy if the voided check they put me in an infinity loop of no resolution.

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 2023-01-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of incarceration and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few

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 2023-01-22 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX  and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX  XXXX  Just to name a few

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a car in XXXX and it got wrecked in XXXX car was totaled but i guess whoever the bank had come look at the car said that it wasn't a total loss so they had only received a check for {$6000.00} of the {$10000.00} or something that was left but whoever deemed it not a total cost made it toward the gap insurance never got triggered for the last XXXX or XXXX XXXX that was left and the company that something the check isn't even in service or anything anymore

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
They took me {$15.00} every month for two years from my checking account and I had to close my account because they never fixed it and they said they didnt Know what that about

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 2023-01-22 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: FL

Complaint narrative:
I had an auto loan with XXXX XXXX, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My financial information was shared with coworkers and trainers regarding a personal call I made to Navy Federal Credit Union inquiring about my personal account. That information was used to harras, bully, intimate, belittle and retaliate against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
I filed a complaint against Transunion for the fact that they are not allowing me to view or access my credit report, and that this problem has been ongoing for close to 18 months now. Transunion deliberately takes XXXX and then does nothing. That report with the CFPB was filed recently. This was complaint ID XXXX. Right after I filed my report, Transunion dropped my XXXX XXXX by XXXX points in clear retaliation. I am requesting help from the CFPB against this predatory and unlawful company, these issues can not continue any longer. This is in addition to the issues I have faced from them. This is clear retaliation for the fact that I raised concerns against this company, and at this point I am asking the CFPB to assist me directly. They are now taking adverse actions against citizens credit reports in retaliation for any complaints or concerns raised. I noticed that the CFPB has brought several lawsuits against this company for their unethical and illegal behavior. They are now retaliating against XXXX citizens who raise concerns against them with the CFPB. Their retaliatory behavior must be looked into. This illegal and unethical behavior can not be allowed to continue.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Had home mortgage with Wells Fargo from XXXX. Attempted to work with them when I was transferred for work and needed to sell my home. The process to sell was horrible. I lost 3 buyers because Wells Fargo failed to provide documents to buyer in a timely manner. The entire process took over a year before it was resolved. Was never able to get help online or via telephone, thankfully my new job was inside the Wells Fargo tower headquarters in Minnesota. After months of struggling with loan officers, the bank manger assisted in sending necessary paperwork so I could close on selling. My credit took a significant hit as the time for closing too forever. Additionally I was hit with numerous late fees because of their error.

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Contacted Wells Fargo customer service by telephone three times ( totaling over 90 minutes ) within past 10 days and visited local branch in XXXX XXXX, XXXX XXXX, CA ( twice ) over past 3 days to close my checking and savings accounts, both of which have a {$0.00} balance. Was told several different and conflicting reasons why they were unable to complete closure requests.

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 2023-01-22 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: MO

Complaint narrative:
Back in XX/XX/2021, My husband and I were both out of jobs due to XXXX. 

Wells fargo was not understanding and after going back and forth numerous times, took the vehicle. They were not willing to work with us. It was quite the contrary, they were extremely mean about the situation.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Charged for overdraft fees and money was available.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
not sure, i had a mortgage about4 years ago, would like to know if i was affected

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Untimely response
Consumer complaint received 2023-01-22 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: MS

Complaint narrative:
XX/XX/2014 overdraft fee 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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My phone number on my checking account has been changed and was not aware of this, I did change it to the correct number ; also there was fraud to my account last year, and they let it go without putting a hold on the funds ; and they should know my pattern for shopping.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We paid the company and nothing was resolver. The bank did not want to do a loan modification for us.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On several occasions I would have money come up missing from my account, and my debit card was cancelled all the time because of the missing money when I went to the bank to find out what was going on, they always said that I was the one taking money out of my account, but didn't do because when this was happening it was usually in the middle of the night when I was sleeping, and one time it happened I miss placed my card in my room and couldn't find it, when I finally did find it in my room I was missing money from my account.when I went to ask about it they said it was me taking the money from my account because it was my chip being used.

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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management is in violation with a collection account amount increase. No collection accounts amount owed can increase. This has happened several times. Ive reported this on several occasions. Every time I report on this collection account. The collection amount increases on XXXX Credit Report. This account was removed on XXXX and XXXX Credit Reports. I have a recent complaint about this account. Now, a few days later. This collection account on XXXX Credit report. Has increased again. I know a collection accounts amount can never increase. This is a clear violation of FCRA. Why hasnt the CFPB? Done something about these clear violations by Midland Credit Management?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
excessive amounts charged for 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 2023-01-22 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: SC

Complaint narrative:
Did a transaction on XXXX, call the bank to stop transaction Wells Fargo still allow transaction to go through. I was scam outta {$950.00}.. I still haven't received my money back yet .. customer service was so rude

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