vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo did nothing about it even though I had nothing to do with any of it. When I realized that there were suspicious activities on my account I called Wells Fargo it was super early in the morning and I was told by the Wells Fargo rep that a new account would be opened and my account would be flagged and everything would be investigated. This was not my case at all as the days kept going by there were more and more suspicious activities on my account and the money that was for my XXXX kept vanishing before my eyes. As the days kept going on and more transactions were happening within my account I decided to get an update on where my case was. Come to find out the rep I had spoken with did NOT even set up a new account and once that was set up all the accounts were linked to checking and savings and the transactions kept taking more and more money from my hard work money which was all for my XXXX. Not only did I have to postpone my medical because of all of this. 

There were mobile deposits that I didn't make and to top things off those deposits bounced and I was charged for them all as well even after communicating with the Wells Fargo reps. 
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 There were XXXX : XXXX that were completed that I didn't make and I had called and communicated this to the Wells Fargo rep and I was told to trust them that they were taking care of it and that was not the case. 
Dates : XX/XX/21, XX/XX/21, XX/XX/21 There were also overdrafts on my account that happened due to all of the transactions that I didn't do. 
Dates : XX/XX/21, XX/XX/21 There were also transactions to XXXX and XXXX during this time. 
Dates : XX/XX/21, XX/XX/21 Though out the entire time I kept calling Wells Fargo to get an update and come to find out the account Wells Fargo wasn't doing anything about it they kept sending me from one department to the next and at the end of it all I was told that they would get ahold of me and time just kept going by and nothing was being resolved. Wells Fargo allowed all these suspicious transactions to take place and for me to go broke due to all the fees and all the transactions that kept taking my money. The reps I did deal with were not of any help at all.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TMX Finance LLC
State: SC

Complaint narrative:
So I applied for a title loan back in XXXX or XXXX of XXXX. I was told I can never be late and I always paid it on time or before the due date. But I also had to refinance a few times because I could not afford the payment in which that allows your loan to start all over. My interest rate is 177 %. I feel that is completely unlawful. The agent at the desk said oh no we start off at 150 % and its based on your credit. So while at the local store complaining about the rate she said there was nothing they can do. Having them try to explain to me what my interest rate per day comes out to be around {$13.00} which if your times that by 30 days that around {$400.00} ( roughly ) minus. My payments a month is XXXX would only leave {$32.00} to go towards the principal. But thats not the case its only put an estimate of XXXX dollars towards my principle. At the END OF THE DAY this is not in any way to help you when you need. Its designed to keep you down! Im paying more for this loan than I did for the car and Im never gon na be able to pay it off without doing the minimum payments and that makes me worried because again they will come and take your car after even paying with the car is worth. I also would like to mention around XXXX they can notify you that they had a promotion going on that they were doing a Giveaway, wanted you to enroll everyday to be eligible to win. I did and of course I wasnt the ones fortunate enough to win.I would of loved to see the winners. When you do something like that you would think that they wouldve had a big announcement. When they finally reached the decision after 2 to 3 months from XXXX said the office representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any informatio
n in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit repor

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I bought my home in XXXX of 2021 and in several times this year, I've asked my mortgage company to provide the necessary steps to remove my PMI. They continually do not follow thru and I have no received any type of letter to remove my PMI. They claim they have sent something but provide no proof and claim this can only be removed with a physical letter vs anything via email. 

Best, 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 explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries 1 of 2 please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from 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 non-monetary relief
Consumer complaint received 2023-06-22 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: Self Financial Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act " Self Lender Financial '' ( Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
The Mortgage company told me that I can catch up my mortgage if I pay XXXX. They said to give the XXXX and pay the remaining balance at the end of the month. I send the XXXX from a local XXXX store thru XXXX wire service on the XXXXXXXX XXXX XXXXXXXX. THe mortgage company received the payment but claimed that they sent the payment back because it was short. they said to send the money back to them with the remaining balance. which was not what we agreed on. I go back to XXXX to request for my XXXX payment and the transfer service said that the money was never sent back or rejected by PHH Mortgage and the mortgage comppany is asking me to send them another XXXX or my house will foreclose. My money is gone thatbI sent them or no where to be found. and it was the mortgage companies fault. Please help. XXXX a XXXX XXXX XXXX man on a fixed income. What dhould I do? Please help. Ps mortgage got behind because of XXXX and XXXX plus well issues with my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
here are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are unauthorized credit inquiries listed on my Experian credit report, which I didn't give permission to run 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 explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I leased a car from a car lot in XXXX for a used XXXX XXXX. I was paying payments for up to 8 months however within that 8 months I had to return the car to the lot on 3 different instances due to the car unexpectedly shutting off and not starting causing me to get the car towed to the lot each time. Each time they kept the car for a full month and a half with a band aid over the problem, hints the returning it 2 more times after the initial incident for the same problem. After the 3rd time I was frustrated and voiced to the car lot I wasnt happy with the car and was interested in a trade in. They refused this exchange so I stopped making payments and received a repossession to which I returned the car in XXXX. So now here it is XXXX and the company XXXX XXXX is still charging fees to my credit report about this car. The original amount of the car was {$11000.00} at the time of XX/XX/XXXX. Now its at the amount of {$20000.00} as of XX/XX/XXXX. The status on the account says closed but that isnt the case. I have reached out to the company to try to resolve this issue and they refuse to work with me. They have stated that they ended up selling the car to an auction shortly after I returned the car. So Im unclear about how they can still report fees to a closed account on a car I am no longer in possession for. This main account is a big negative effect on my credit report and Ill like to get it removed indefinitely.

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 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
They charged 4 times loan amount. My spouse took loan out in my name and i been disputing every since divorce

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
My checking account was closed without my, or the joint account holders, authorization.I Discovered that my account was closed on XX/XX/XXXX, after checking the status of a direct deposit that was supposed to be sent to my account that day. Called the bank on Saturday, XX/XX/XXXX, and the representative could not find information regarding why my account was closed and that the account was closed on XX/XX/XXXX. The representative stated that she would send a request to another department and would touch base with the following week. After not hearing from her, I called on XX/XX/XXXX, and spoke with XXXX and she sent a information request to my Local Bank Branch. She told me to call back on Thursday, if I had not heard from her by the following Wednesday. Called on XX/XX/XXXX and spoke with XXXX. He stated, after digging into my bank file, that the account was closed, due to the account being at a {$0.00} balance for 20 days. He stated that this was in the terms when I opened the account in XXXX. However, the bank had merged and changed names after opening the account and I was not aware of these new terms. Previously, I have had a {$0.00} balance for over 30 days in the past and was puzzled as to why this time it changed. I was neither notified nor given a notice that the account would be closed. I had other banks give me notices and I complied with them, but this bank does not have such a system. On another note, after this bank merged, I had other issues dealing with this bank. A major one being that they drained my savings account, due to maintenance fees that I wasn't aware of, and closed the account after depleting the balance to zero. I have been a customer of this bank and its predecessors for over 20 years and I will not be a future customer of this bank, nor do I recommend this bank to other consumers.

Company response to consumer: Closed with monetary relief