vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have 3 collection accounts on my report that I have been disputing for a year XXXX, XXXX XXXX XXXX XXXX XXXX. I have spoken to the creditors of each of these companies they represent none of which have been able to produce documents signed by me or copies of my DL or anything showing its a legitimate debt owed by me. The only documentation I did receive had my name, my social, and all the other information was incorrect address phone number insurance employer, none of it matched and XXXXXXXX XXXX was supposed to reach out and provide this documentation which they have not.

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 2023-02-01 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: TX

Complaint narrative:
I had an account with Wells Fargo in XXXX and there were multiple occasions where overdraft fees where charged to my checking account. I would make cash deposits often from my job as a server and I would lose this money to the overdraft 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 2023-02-01 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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 2023-02-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX  Account number : XXXX The notation of the late payments is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days.

I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.

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 2023-02-01 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: TX

Complaint narrative:
Wells Fargo has charged me overdraft fees for when my acc is low. They also charged me {$10.00} when my account reached below {$500.00}

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 2023-02-01 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: TX

Complaint narrative:
There is incorrect personal 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 non-monetary relief
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
Instead of declining transactions, Wells Fargo would charge me overdraft fees on bank account numerous times.

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 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concerned, I XXXX XXXX was looking for work through indeed. I have gotten contacted for a job through indeed and went through the whole process and actually got it. Was working with them to end up getting scammed. All my money in my bank account ( savings ) was taken and they put me thousands into the negative / red.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hi, We were customers of Wells Fargo between XXXX with Auto loans, and Mortgages and want to know if we are entitle to any compensation for the CFPB settlement ? and what we need to do to claim any compensation. 

Thank you, 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 2023-02-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank incorrectly applied an additional auto loan payment and fees to my auto loan 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 2023-02-01 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: FL

Complaint narrative:
I had been a customer with Wells Fargo for several years starting after 2009. Throughout the years I was charged overdraft fees when I had the funds in the account. I finally decided to close all accounts associated with Wells Fargo due to this happening so many times. This caused me to lose money and to miss work to straighten this out. I went in each time to branch managers to take the fees off and they never did. 

When I decided to close the account, the bank continuously blew me off and said due to covid they could not help me close my account. I was told to make an appointment at my local branch finally ( XXXX, FL ) and they then refused my appointment and stated they had too many appointments scheduled. It was a terrible and exhausting experience to deal with this company.

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 2023-02-01 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:
wellsfargo over charged me on overdraft fee. and credit cards

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 2023-02-01 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: GA

Complaint narrative:
Several overdraft fees between XXXX with Wells Fargo

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Hi there, In XXXX of 2021, I was a recent first-time home owner and I purchased a new furnace and air conditioning for my home. The HVAC company strongly recommended I utilize Synchrony bank because of their 18 month interest-free loan program. The representative from the HVAC company assured me it was a great deal with no hidden strings and " as long as you pay the minimum each month, you won't owe any interest. '' So, the loan with Synchrony was set up, and I was sure to pay the amount recommended by Synchrony on time every month. My understanding from both the HVAC contractor and the information displayed on Synchrony 's account page was that their recommended monthly payment was based off of paying off the entirety of the loan within the stated 18 month period. Their website and literature encouraged payment at this rate, and no indication was given that their recommended rate would result in the 18 month window passing while I still carried a loan balance, and that an astronomically high interest rate of 26.99 % would be applied to the entire principle I originally borrowed. With the monthly interest rate being applied to the principle, I now owe an additional {$4100.00}. Almost half of the original loan amount. 

I contracted Synchrony today trying to understand the {$4100.00} charge that showed up, and after speaking to a manager I was told I was 2 weeks outside of their one month grace period and there was nothing they would do to mitigate the interest charges.

I believe this practice intentionally targets those with less experience and knowledge of these financial instruments. I feel mislead by not only the HVAC company but also by Synchrony. As a young adult and new homeowner, I feel targeted by bad actors looking to sign me up for these types of loans, mislead me of their nature, and hoping I never read the fine print. Before the mortgage on my house, I'd never had a loan or carried a credit card balance in my entire life. I wasn't prepared for the level of vigilance I'm supposed to maintain even for an HVAC company with a decent reputation. 

I appreciate your time in looking into this. Thank you. 

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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Money disappeared and overdraft payments

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 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I have informed carrington that my home owners insurance isn't going to renew my home owners insurance this year. But XXXX still went ahead and pay my former insurance company {$7400.00} which I told them not to do in the insurance department. They were already well aware of my home owners insurance not renewing & I have a new home owners insurance company. I have a letter from XXXX stating they are not renewing it this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payments is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.

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 2023-02-01 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: MA

Complaint narrative:
My account was set-up where I could not overdraft funds ; any transactions were to be declined due to insufficient funds. Somehow my account went negative, and I called multiple times. Wells Fargo advised that the overdraft fees should not have been incurred, and that in XXXX business days the money would be reimbursed back to my account ; however, they continued to charge a XXXX overdraft fee while they were correcting their error. They could not correct their mistake and continue to harass me for money for the account that is no longer in use. There are recorded calls with Wells Fargo where they are advising that I need to wait and money would be back in my account, and then the following days, weeks, etc. they continue to charge me fees for a negative account, but only due to their mistake.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Mercury Technologies, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an online banking application with this company. 
I asked their account representatives multiple times about their " account is for operational purposes only '' stipulation and I received the below response. 
" XXXX XXXX, The examples you've provided could be considered operational purposes, however, we always recommend reviewing our terms if you aren't sure about any of these details : XXXX XXXX XXXX To answer your original question, we don't yet offer a sustainability report, however, I'm happy to relay this request back to the team for consideration. 

Let me know if you have further questions, XXXX '' I proceeded with the application and was later denied to open the bank account. When I asked that my data ( pictures, license, business documents ) be deleted from their database, they refused. When I asked why I was denied the account, no direct reason was given. 

It is my belief that this company is collecting as much personal and professional data on unsuspecting startups and their founders with no real process for determining legitimate companies and being upfront and truthful about their criteria for account application approval. I've read ALL their terms and don't see any reason why my application was denied and since I'm NOT their customer, why won't they delete my data. ALL the banking regulations they are quoting refers to " customers '' of the banks, not applicants for services and accounts. 

ALL I want is for them to delete my private and confidential information. Another bank I applied with when ahead and deleted my information when it was determined it wasn't a good fit for my business. Many thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. Experian is reporting last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. They are both reporting two different last payment dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have given money to clear XXXX XXXX  who then stored it with XXXX XXXX and they provided no service and agree to pay me back. However when they agreed to pay me back I had called chase had them dispute {$1000.00}. So the. XXXX XXXX returned the money they had minus this XXXX and then chase decided to give the money back to them. But XXXX XXXX claims they could not accept the money again. They say that chase is holding onto it. Now I am late paying my rent, and my account is insanely negative. They claim to be investing but what is there to investigate? You can look at my account and see they tried to give the money back. I dont get why everyone wants to play games with my money. Its fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation