vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Common Wealth Finance, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
An extra {$100.00} paid was applied to the interest of my loan instead of the principal. I've spoken with 5 different people and was not able to resolve 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 2023-01-23 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: CA

Complaint narrative:
There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this one 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.

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 2023-01-23 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: AL

Complaint narrative:
Kept receiving overdraft notifications a eventually had to close 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
So many overdrafts and money come in every month I'm on fixed income and I'm XXXX unable to work so fees come in and posted to my account and eat up all my bill money and food I am a XXXX XXXX  of XXXX and my XXXXXXXX XXXX XXXX  I can't afford and I been with them XXXX and just last XXXX  years fees been outrages

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I believe the company engaged in fraudulent practices regarding my home mortgage.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I open up a new account with them last year my card was stolen someone had stolen over XXXX from my account and I reported all the transactions I did not make so I explained and told them they then closed my account and they said that I was gone get refunded all my money back I havent received nothing or heard from them since. And the only money I received from them was a XXXX dollar and something cashiers check cause thats the only amount I had left 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reported wrong information on my credit 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have tried several times to speak with some about these ridiculous bank fees and the fact that pending transactions take 4 days to post. Which will cause you to acumilate nsf fees. {$35.00} up to 3 times a day is robbery. I am paying half of my paycheck once my direct deposit hits in bank 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 non-monetary relief
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23 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: TN

Complaint narrative:
On multiple occasions I was wrongfully charged for overdraft fees and closing my account. I also was charged a maintenance fee when I made enough purchases to have fees waived.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I closed my account with Wells Fargo some time last year because they were constantly taking money out of my account the amounts ranging from small to $ XXXX. I would call and dispute the charges and everytime they wouldnt be able to give me a reason why they took the money out and gave me every excuse in the book as to why they couldnt give me my money back. This happened straight for months till I closed the account with them. They owe me at least {$1500.00}. I dont know the exact amount because as soon as I closed my account they restricted my access from my account on the mobile app and website.

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 2023-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is regarding a car loan I had with Wells Fargo years ago. I don't have any paperwork documentation due to a house fire that happened in 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 2023-01-23 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: FL

Complaint narrative:
1. XXXX  2. XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I bought my house in XXXX and tried to refinance it in XXXX. They told me I need to get it appraised. I spent the money to get it appraised. It appraised for over XXXX. I was denied to have it refinanced at a cheaper rate. My rate is set at 5 % and I was trying to cut that in half. Also, they're making me pay a Mortgage insurance every month. I bought my house at XXXX and owed less that XXXX. They said I had to be less than 75 % of payoff. Which clearly falls below that. But, yet they're still charging me a mortgage insurance and refuse to cancel it. At the current market, my house would appraise for over {$390000.00} and owe less that {$200000.00}. I have built a XXXX shop on the property, new roof, new fence and had a lot of concrete poured. I have never been late on any payment in my life and at XXXX XXXX XXXX I have excellent credit. I didn't finance my home through Wells Fargo. It was sold to them. They could have told me I didn't qualify to refinance before I had it appraised. Instead they waited until after I spent the money to have it appraised, which was clearly wrong. I feel they have no reason to turn me down on refinancing my home at a cheaper rate. I have never missed a payment or never been late. Clearly they are not wanting help the customers and are taking advantage of them.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX  I cashed a check into my Capital One account via the mobile app for the amount of {$2500.00}. I did this only because my primary bank was not open at the time. I got a email from Capital one saying that the funds will be retained for another week until they Can very the check and that it is a valid check. I called Capital one to inquire about this and why are my funds being withheld. They said because the check was written over due to a mistake they will not release the check and need to speak to the remitter of the check. I informed them that this is not the first time I have cashed checks into my Capital on account that there is no need to verify the check that I have never had this problem before. They then said we will be ending the banking relationship with you because we are unable to verify the check. I dont have this problem with my primary bank they simply cash the check into my account without questions. XXXX  XX/XX/2023 I called back to Capital one to verify the status of my check. The representative informed me that the check has not been returned and it has deposited but they still need to speak to the remitter. I said if the check has not been returned and it has been more than a week since I have cashed it into my account then why is there need to verify the check. Obviously the issuing bank of the check has deem it valid and released the funds. Capital one still refuses to release me my money and give me access to my account. I feel discriminated against and wrongly treated by Capital one. I will also be seeking legal help to explore what actions are available to take against Capital one for this discriminatory service and treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I previously reached out to Midland Credit Management, about an account they are inaccurately reporting on my consumer credit report, when discussed in chat about my dispute and the need for the account to be reinvestigated. I was told that they had reinvestigated on their end and they didnt need to provide me with the results. I am sure that this account is not mine and under consumer laws Im in my rights for asking that the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received alert on XX/XX/2023 that there was a hard pull on my credit report, when i check it, there was a company i never heard of that had pulled my credit Comenity CapitalXXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX OH XXXX. 
I am in a program trying to buy a home the time and applying for anything right now would hurt my chances,. I disputed and the company responded with it was my inquire, but if I'm telling you it wasn't me, how can you say it was. i have other cards and loans that i actually applied for i take responsibility for that but i shouldn't get penalized for a company doing wrong. I also reached out to bbb and seen this company has did this to others, with it being a day before it was done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its 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 2023-01-23 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: CA

Complaint narrative:
There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this XXXX 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I've been an account holder for many years. After I used their credit " services '' my credit score hasn't been attainable since!! They were supposed to dispute things on my behalf and help me. I feel like they stole my information because since then I've had things put in my name that I haven't had any parts of. I let my account close because I kept being charged here and there for what seemed like nothing. I re-opened my account last year and had the same problem. On top of the ATM never letting me take money but CHARGING ME FOR USING IT. Or the one time the atm ATE my card and I had to take half a day off of work to work with the manager to try to release it at the actual BANK LOCATION. I had to give several companies different banking information because I would have money in the account to cover and they would still charge me and not pay the company. Charging me for going below a certain amount when I was over the amount. I took a {$5000.00} check in there when a family member passed and they wouldn't even cash it. I had an account!!! For a while!! I had to end up waiting over a week for them to release my money. I was stranded in a whole other state because they wouldn't release MY MONEY for the LONGEST hold I've ever heard of!!!! Then they charged me to cash it when I had an account!!!!! I will NEVER bank with Wells Fargo again!

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 2023-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
Contacted me on XX/XX/22 about a debt owed to XXXX XXXX XXXX XXXX Stayed the debt owed was {$800.00}. Threatened to hang up the phone in 3 minutes without answering questions about the debt because their phone system hangs up automatically at that time.

I submitted a written dispute as well as disputed the debt through a link that they provided. Received no response other than the fact that they checked with XXXX and verified I owed the debt, however, no information about when the debt was incurred or what it was for was provided. 

Not wanting the debt to be listed on my credit report, I paid the debt anyway. Debt collector has refused to issue a paid in full letter or any kind of receipt despite verifying over the phone that the funds have been received and posted to my account.

Company response to consumer: Closed with explanation