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: 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:
I requested that Transunion investigate a Bankruptcy on my credit report. I opened the request on XX/XX/22 and they completed their investigation on XX/XX/22 without providing an explanation. I requested from the Bankruptcy court the procedure that they utilize to investigate issues on Bankruptcy filings and the court indicated to me that they do not provide information to the Credit Reporting Agencies. I then submitted a follow up letter including the letter from the court to Transunion asking the process that they follow to investigate Bankruptcy information, but I have not received any additional follow-up letters.

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: 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB I am XXXX XXXX I am a living human being born in the united states of America, and am afforded all of the rights that sbeing born an American should provide.I recently read you alls traing manual and I have to say that CFPB as a whole is falling way short of the job description from wich you were hired to do and expected to do by the government agency that started the formation .your function is suposed tobridge trhe gap between the cra and daa furnishers but you do nothing but pass notes and how it it a relationship mending decision to allow a cra to decide for themselvs if the have commited any violations and weather oe not to pay for their violations wich the fcra states the are required to but who evers running the show aqt the cfpb and got to be getting paid by the data furnishers and cra 's only way i can think of why all of thus would be fine.thats not the complaint just a little piece of my mind on the XXXX job you do as a collective. 

My complaint is against trans union in complaint XXXX I brought a complaint against trans union for taking longer than the 45 days max that the fcra gives to an investigation or a reinvestigation and the totally ignored the fact that they were past the alloted time to respond, but said that the wasnted to know what file i am refranceing form complaint number XXXX stating that they do not know wich file i am requesting to delete wich there is only 1 file in that complaint, they also wanted me to explain why, At this point It is not ness, to explain anything other than they took past the fcra allotted time to answer my complaint so now they must delete end of dissscussion .I think they are being difficult because i am bring legal action against them pease enforce ther delete

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dealership inquires showing up on my report & I have not authorized anyone to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2023 they didn't want to give me service cause the way I look

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
ENHANCED RECOVERY ACCOUNT NUMBER # XXXX HOW THIS DEPTH COLLECTOR RECEIVED THIS ACCOUNT AND WHERE THIS {$69.00} DOLLARS COME FROM??? 

XXXX  THIS ACCOUNT DOES NOT SHOW UP ON CREDIT BUREAU SUDDENLY SHOWED UP ON MY REPORT ON XX/XX/XXXX I don't know this account and I don't owed any {$69.00} dollars for this account IT IS UNKNOWN THE ORIGINAL CREDITOR AND ORIGINAL AMOUNT OF THIS ACCOUNT. 
I AM REQUESTING TO ORIGINAL CREDITOR AND ORIGINAL CONTRACT OF THE OPENING OF THIS ACCOUNT WHRE AND HOW THIS ACCOUNT OPENED????

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was taken in by a XXXX XXXX  pretending to be a XXXX  who would help me XXXX  to the XXXX. They are listed on the uk.gov website as a scam, and when I found this out I attempted to contact Bank of America but they wrote back and said that the money was legit.

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 — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried to get a loan and was turned down

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 card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I had a Torrid Store card with a limit of {$250.00}. I purchased some items and began paying the monthly charge every month on time. I paid off the card to XXXX, did not use it for 3 months, tried to use it and realized that my account was closed by Commenity. This not only damages my credit due to a closed card but lowers my available credit on my credit report. I reached out to the company and was offered no resolve.

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: TX

Complaint narrative:
I got a car from a dealer in XXXX and I was paying to him, then he transferred me to another Merchant which I was making my payment to, then the car engine went out in XX/XX/XXXX. Then I called the merchant up to tell them I wont be paying for the car anymore, I gave them the contact of the auto shop and number. after awhile he called me up and made me a deal to settle the car for {$2000.00}. 
I said ok, he sent me a email to have that in record, I made a payment of {$900.00} and {$400.00} to the merchant. I make him a payment of {$600.00} again then I emailed him he same day he did not respond. I waited till Thursday and called him and he said he wont do it anymore that the deal is off. 
So I said ok and I contacted my bank due to him not holding up his end of the deal. The bank did nothing did not get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NJ

Complaint narrative:
I had overdraft fees. That I shouldn't of had.

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: SC

Complaint narrative:
Wells Fargo taking monthly payments out of bank account when I bank solely with them and use my debit card to make most of monthly purchases

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC
State: NY

Complaint narrative:
Dealership inquires showing up on my report & I have not authorized anyone to run my credit

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2021 3 overdraft fee exceed wwith {$200.00} total of overdraft fee all together date can be not right but close enough

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Different dealerships pulling my report & i never authorized any use of pulling my credit profile

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses 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 should only be XXXX address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
i have had an account with this company for years and somehow someone hacked my account and wells fargo closed my account without proper investigation or proof. also it looked as if someone accessed my accounts without my knowledge

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I submitted a dispute to Equifax which mistakenly has the wrong spelling of my name. This is not my name. My name is not XXXX. They asked for evidence, I included images of my driver 's license ( attached ). They denied my claim, because they said I hadn't submitted evidence. I contacted them and told them I had submitted the evidence. They found it and said they would get back to me. They maintained the dispute anyway. I have no accounts in the name XXXX anywhere because this is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I signed an application to start the process for a reverse mortgage with Reverse Mortgage Funding LLC. I expressed my interest in getting a loan at that time because of the very low interest rates. The loan XXXX estimated it would take @ XXXX days to process and close the loan. 
XXXX, the loan XXXX requested documents. A short delay with verifying my son 's documents and it took XXXX XXXX weeks to deliver due to my package placed in wrong box. We had a brief discussion about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan XXXX stated he would not start the loan process until after the increase. 
On XXXXXXXX XXXX XXXX XXXX  XXXX the XXXX requested a title search from XXXX XXXX XXXX 
XXXX, XXXX, a second appraisal was due. 
There were extended delays in getting documents/information due to lack of communication. 
I received a call from the XXXX on XX/XX/XXXX, to notify me of the delay. Due to the pandemic, the title XXXX had not been successful in getting the payoff amount from the city. Once notified, I immediately contacted the right person ( XXXX )... the payoff information was emailed to the title company the same day. 
The second delay involved getting documents pertaining to my son since he was on title. Those XXXX 's were sent shortly after contact. I was told by XXXX that my file didn't become active until XXXX XXXX. 
A further delay occurred in XX/XX/XXXX when I received documents from XXXX XXXX XXXX XXXX regarding recording of liens that were paid, and XXXX that was not. I asked the XXXX the reason for the delays he responded, " your loan was not a priority because we had to jump through too many hoops. '' By now. I'm concerned I might not meet my legal obligation on XXXX XXXX. 
I spoke with XXXX managers about the delay and my concern. The loan XXXX 's XXXX did not assure me that the loan would close by XX/XX/XXXX. 
By XXXX, and XXXX months later with no guarantee to meet my deadline, I reached out to otheXXXX XXXX companies. I was guaranteed by the owner at XXXX XXXX XXXX, that he would put me at the top of the list and guarantee the loan by my deadline. 

A third appraisal is now due @ {$850.00} each, and scheduled for XX/XX/XXXX. 

I'm retired, my son felt I was getting a bad deal and took out a loan to meet my obligation. 
Now, I will not benefit from the very low interest rates, my basement upgrade and travel plans are cancelled and my son has a debt on my behalf.

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: AL

Complaint narrative:
Excessive overdraft fees I don't have dates im sure they can look them.up

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Yes they have charged me this is in XXXX of XXXX they would take it money out of my account when I know that money was in there and when I go to withdraw my money is not there I have an overdraft and dealing with and they say that they looked into it but they said nothing happened and I had to pay them back money which I knew my bills were covered I live on a social security and they left that they left me really messed up and almost and almost homeless and I'm still fighting with them now {$450.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
Different dealerships pulling my report & i never authorized any use of pulling my credit profile

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX ) Wells Fargo takes overdraft fees from my account for transferring money from XXXX account to the next when I was told that overdraft fees of XXXX dollars would not be added to my account which has cause my account to go into overdrawn with status on a numerous occasions XXXX occasion is when my card was charged for XXXX XXXX car the amount that was charged to my card was in between XXXX and {$400.00}, when I called and put a stop payment on the transaction and went through the process of disputing this transaction the money will still taken and paid. 
XXXX ) I was clearly told that the accounts that I have with Wells Fargo would not be charged a fee every month because of the type of accounts that I have, which are that I have to have a certain amount of direct deposits to my accounts in order for the accounts to be free, I have been constantly charged account fees and the amount of {$12.00} every month to accounts that are not supposed to be charged because I have direct deposits that go onto these accounts.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. In accordance with the Fair Credit Reporting Act 15 USC 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On XXXX XX/XX/XXXX, I requested a reinvestigation of the accounts listed on my credit report with tracking number XXXX. The company failed to conduct a reinvestigation of accounts XXXX - XXXX XXXX - XXXX. On XXXX XX/XX/XXXX, I informed the company that account XXXX XXXX XXXX XXXX - XXXX was charged off as of XX/XX/XXXX. Since then the accounts have been repeatedly updated as charged-off every month. This is an update in the payment history, which to my understanding, charged-off accounts should NOT include active payment history. Additionally, the following accounts were charged off on XX/XX/XXXX and XX/XX/XXXX respectively and the creditors provided IRS form 1099Cs for each account based on paid settlements XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX The above accounts are associated with income and income is NOT to be reported on consumer credit reports. The company failed to delete the inaccurate accounts showing active payment history for charged-off accounts as well as reporting income accounts. Attached are the requests that were sent to Experian as well as the latest credit report Experian provided, showing that the reinvestigation was not completed, that proof of verification was not provided, and that the above inaccuracies were not 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