vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was mortgaged at the wrong rate through and complained about the problem. They refused any attempt to correct the collection error and never repaid me my money. Instead they passed me on to another company to stop my complaints. My rates were incorrect!!

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's 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 2023-01-23 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: EQUIFAX, INC.
State: OK

Complaint narrative:
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 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 2023-01-23 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: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 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 2023-01-23 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX scammed me of {$84.00} I never received the service I have filed a police report on fraud as well as a recorded phone call with the merchant. And the bank will not stop the payment from the merchant. I should be in control as to what and where my money is spent if I said I was scammed why should I have to wait for the merchant to get my funds back? when u can stop payment after all it is my money and I shouldnt be able to be scammed that easy with no rights.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian shows 1 late payment for XXXX XXXX on XX/XX/2019. 
I have never been late on this account and the account is now closed. 

XXXX and XXXX show the same account with ZERO late payments. 

Per US Code 1881e - Compliance procedures ( b ) Accuracy of Report 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. 

I would like to have Experian to correct the report to show no late payment on 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 2023-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
A fraudulent charge was placed the company gave back money. that should of gone back on my available credit instead they charged me and then again for a credit. my card is XXXX over has been sinvmce before XXXX. i was a victim and capital one has not kept there word on one thing.I need to know how to sue them. enough is enough. 
XXXX XXXX XXXX then they return should go back on my available credit capital one put it on my balance and then charged me for the credit for fraud protection acct XXXX got taken off pay plan because they made due date 24hrs after sogning up for hardship. then they defaulted and made balance due immidiateley. 

They have repeatedly said one thing then did another its been 4mos no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have two issues. Inherited my home from my Mom in XXXX when she passed. Soon after the death I became gravely ill and the house was mold infested. XXXX XXXX hit and I was effected.severly by it'.My inherited home currently in foreclosure and Wells Fargo says it no longer can help me.. I want to keep my home. I am XXXX. 

The second issue I had is regarding my father I. Which I am executor of the estate of both my parents. XXXX around XXXX, XXXX Wells Fargo repossessed my father car after theXXXX  dealership swindled him out of his XXXX XXXX XXXX that had only XXXX original miles on it... Then repossessed his car claiming he was too old. All while Wells Fargo knew he had a savings account at Wells Fargo with nearly XXXX XXXX dollars in. It.. wit regular banking habits

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Long story short. I had money in the account and i travel often and I like to use my card while in the road and not carry cash. On more than one occasion, I would say at least 5 occasions. I was in XXXX  and when I went to pull out money my account was frozen. I was not score to pay for my hotel. Ended up sleeping in my car. I had no gas and I had no food. Usually this feel at night or in a weekend and I would have to wait until the following Monday or the next day. I then stopped putting money in the account and would just use it to pay my bills. So I had auto deposit which was a mistake. They charged me fees which made my bills bounce and ultimately I lost my vehicle. It was towed in XXXX. Where they froze my account AGAIN! So my car ended up being impounded. I wasnt able to take out my car until I paid it in full, {$6000.00} I DEFINITELY couldnt access even if I had it. They caused me to make late payments, sleep in my car, XXXX XXXX, no gas. Every time was when I was in XXXX. They ultimately closed my account without my knowledge, and the reason? Because I hadnt deposited funds for I think a few months. It was when XXXX first hit and I got and wasnt making any money. I complained, I filled a complaint and they sent me their policy in an email and that was it. The banker is the one that understood and sent the complaint herself! They cost me ALOT OF anxiety, stress, hunger, loss of vehicle i under up losing my storage and being in everything. They took skit off over draft fees they definitely were to blame for but never ever paid me a XXXX! I was going to sue but I figured Id be wasting my time! XXXX just me and they are a bank you know! So good for you guys for helping! 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2022 my account was closed without any notification because my account was charged the XXXX fee for having the account and there was only XXXX in the account so they just automatically closed it and I've had the account for 13 years and anytime the fee is charged next time you add money ot takes the balance off instead of just closing without notice or notice that the debt needed to be paid I called and they said oh well its our new policy and the new policy was never mailed to 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have attached supporting documentation. I was never issuedmy provisional credit into my account ( XXXX and XXXX which is for XXXX XXXX XXXX both email addresses ) for Case ID XXXX This oddity where I can not see some things when I look through one email in the resolution center and I see different things in the SAME ACCOUNT to be fixed immediately. I suspect this is how they are fooling you into thinking that they have the right NOT TO GIVE ME A LOAN AS WELL. Because then all the invoices and money would be under one email address and not the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
My car have been repossessed after I was in an accident involving a deer. I got it fixed but XXXX XXXX was threatening me that they was gone take me to court if I didnt come up with XXXX for the car that was repossessed. XXXX XXXX trying to make me pay for the car that they repossessed when I dont have that car anymore. My car note was XXXX now Im paying XXXX for my new car note but I need help with the lease and trying to get my tag and insurance as well. Til this day Im still getting letters in the mail from XXXX XXXX saying if I dont come up with the XXXX theyre tryna make me pay for the car they repossessed then were going to settle everything in court. I also have another gave thats under credit acceptance and not too long ago about a week or XXXX ago they came to my house and pulled my car without me knowing anything saying that I was late on paying my car note when I wasnt late at all. Then they tried to put my car up for auction and told me that in order for me to get the car back I would have to pay the XXXX upfront the same day as they took it or else I wont have that car anymore. I ended up paying XXXX just to get my car 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone opened a fraudulent checking account under my name at Bank of America. 

The details I received in the email are as follows : Bank of America XXXX XXXX Banking Account # : XXXX They have changed the email address and phone number on the account, and placed 2 factor auth, so I can not access 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I came across a settlement claim happening currently for Wells Fargo customers. I had a vehicle loan during the time frame mentioned in the article Information. My loan was paid off early and I believe I had the GAP insurance also... so, I am inquiring to see if I am eligible for the settlement. 
Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a XXXX that I could no longer post on and they would not come repossess it. I owed about {$7700.00} on it. It was a XXXX  and XXXX. XXXX  I think.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX and XXXX  16 late payments. In accordance with the fair credit reporting Act.This creditor has violated my rights under 15 USC 1681 section602 states. I have the right to privacy15 USC 1681 section 604 section2 it also states that a consumer reporting agency can not furnish anaccount without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a creit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
As expressed in my original letter for the return of my original documents, which is theft per my original letter sent, which is still unresolved. I would like my original documents returned to me. I was sent copies of my original document along with other unrequested documents. If not acceptable, why haven't they returned the original if not accepted? 

This is not a duplicate request. This issue was never resolved.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX for {$10000.00} with a down payment of {$1500.00} on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Vehicle Had A Bad Transmission that required Replacement that exceeded XXXX XXXX XXXXf the Loan with Credit Acceptance Corporation, A Retail Installment Contract, Which is A XXXX XXXX, within XXXX business days and the contract being signed on the weekend, A Saturday and by Friday the upcoming week XX/XX/XXXX it was diagnosed with a bad transmission, XXXX Feeble Attempt by the Finance Company To Electronically Give Me ( XXXX ) One-time Payments of {$480.00} for the sum of {$1400.00}, which doesn't even cover 50 % of the required transmission cost or any of the labor which is {$1700.00}, {$1700.00} for the transmission, meaning the vehicle is junk.Breach of Contract, I request it be Removed Totally from both Our Reports and I want to File For Actual Damages.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing this email to inform you of the most uncomfortable and unprofessional experience I had with XXXX XXXX XXXX XXXX # XXXX. I am a loyal customer of Truist for many years and I am applying for a conventional loan for a condominium I will be using as a secondary residence. She did not offer any loan options or alternatives to help me decide which loans are the most appropriate for me and failed to provide sufficient information about my loan. She insinuated that I would not be able to qualify or afford the loan and did not offer any alternatives or resolution. As you review my credit, I have an excellent XXXX XXXX and I felt demoralized after speaking to her. She has some uncomfortable and inappropriate questions and I do not want her to handle my application at all. I am requesting an immediate reassignment of this application to another XXXX XXXX. If not, I want my application closed with a request from Truist to the credit bureaus to remove the hard credit inquiries your institution performed.

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 XXXX 2. XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX 6. 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was forced to keep an account that I didnt open and also received hundreds of dollars in overdraft fees and other interest and fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: GA

Complaint narrative:
I went to a teller and made a deposit because the outside ATM was down so I had to go inside I made a deposit for my life insurance but did not get credit for it I call and complain still to this day they did not credit my account this was back in XXXX or XXXX they also charge a credit card payment to my account that I already removed the payment information from but I prove my case and it was reversed

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