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: DC

Complaint narrative:
Their Investigation took more than ( 30 ) days and I wasn't sent a letter to notice about it until Consumer Financial Protection sent me an email. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After taking with the local police department here in Washington XXXX DC and family, friends, neighbors, etc. They never received any interview or notices about the investigation on this matter. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  Balance : Closed Balance : {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from TransUnion or XXXX XXXX XXXX 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Thanks, XXXX XXXX XXXX XXXX this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 

CC : XXXX XXXX XXXX Attorney General of Washington , DC 20003 Consumer Financial Protection Bureau XXXX XXXX Attorney for XXXX 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 non-monetary relief
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: TX

Complaint narrative:
Over the span of XXXX  years I have had miscellaneous fees, overdraft fees, and maintenance fees on my account with Wellsfargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened an account and for some reason it was always going over and having fee 's that I didn't do and my account was always overdue and I would have to pay the over draft fee 's and I was missing money from my account and my card was always frozen so it was very stressful my bills were not getting paid due to the over draft fee 's and my frozen account I got behind on bills and lost a lot of my life

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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed my business account wrongfully and they didnt provide a reason and after a month Wells Fargo just sent {$12.00} fees for excess withdrawals.When I called customer service they said there is nothing they can do.

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: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
They close my account for no reason and I couldn't get my money back out my account they didn't wan na fix the problem at all I lose everything

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: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have a mortgage with Wells Fargo and on several attempts I tried to get a modification due to a change in my financial situation however Wells Fargo continued to decline and delay in decision I had to file bankruptcy to try and get some sort of relief of course now my credit is destroyed

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently checked all XXXX credit reports, to my suprise i had a lot of personal information being reported that was not mine and many creditors reporting debts that are not mine. Since then i have filed disputes but do not believe that TransUnion has completed a proper consumer investigation as described in the Fair Credit Reporting Act 15 US 1681a section 3 ( e ). Its states a consumer investigation involves personal interviews of friends, neighbors, and associates to whom pay have knowledge of the assumed debt being reported. I have personally contacted people i am familiar with and non of them have said they have been contacted of interviewed by TransUnion in regards to these assumed debts. If there has been interviews conducted i want a copy of all reports which should include the people interviewed : Names, phone numbers, addresses, questions asked and responses given and conclusion of each interview.

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 — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We were victims of a scam on XXXX and immediately reached out to Bank of America to help us get our money back. They have strung us along for 6 months and have decided to deny our claim. However they did refund us approximately {$3500.00} of the money lost. ( approx {$12000.00} ). By refunding some money we believe they have admitted they believe we were victims of fraud. 
We have police reports and a detective who worked on our case and there is no question that we were the victims. ( police report attached ) Bank of America now says that we transferred the money to a valid signer on the account. That is 100 % inaccurate information and we have fought with them for 6 months. We reopened the claim several times and now they have just shut us down. We have no other signers on our accounts and have been financially ruined by this loss. 
This is very unfair and unjust. We were the victims and now Bank of America has decided we were involved in the scam. They are impossible to reach- each call made involved at least an hour of waiting. 
We are looking for financial restitution of our money now!

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I would get a deposit or make one and I would get told by more than one representative that either I had pending charges already or they update at certain times of the night and would always be negative due to this. I have called several times and complained but was always told something different. Now my account is closed due to this and they let me go negative up to {$900.00}.

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: 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:
Deposits were reversed and later posted after transaction creating 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 2023-01-22 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: NC

Complaint narrative:
XXXX XXXX account shows as placed for collection. Both XXXX and XXXX have removed this account from my report as it is not mine. Transunion continues to report this 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 non-monetary relief
Consumer complaint received 2023-01-22 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Post transactions so my account stays negative to be able to have more 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 2023-01-22 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX accounts showing charge offs on my credit report, however XXXX has not responded to multiple attempts at verification of debt. I have even been hung up on in trying to request verification over the phone.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Ive submitted a dispute to Early Warning services regarding incorrect reporting from XXXX  XXXX XXXX and they refuse to fix it. 

XXXX  XXXX XXXX reporting that I had fraudulent activity on my checking account and status shows as unpaid and opened which prevents me from opening any checking accounts at any bank. Ive contacted XXXX  XXXX XXXX and they said I dont owe them anything and balances across all closed account are XXXX. But Early warning services refuse to take action and correct this information or delete it.

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 — Old information reappears or never goes away
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
I filed a dispute with the credit bureaus for inaccurate information on my credit report and they investigated it and it was deleted from my credit report for several months.And then it came back with a different reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: MS

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I and my Fianc have been clients with Wells Fargo with separate accounts we understand that Wells Fargo has mistreated all clients and are suppose to pay accordingly we have had accounts with Wells Fargo since 2012. Well Fargo affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identity Theft, Transunion is reporting a fraudulent account from XXXX XXXX XXXX to my credit file. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said i don't have a debt with them. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. This is fraudulent and frivolous and should be addressed immediately. 

This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.

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: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Overdrawn account for unnecessary fees. I cant open up an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. XXXX XXXX XXXX has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Unauthorized transaction on Cash App card. I tried to address this with cash App and they haves refused to clear up problem. Their response is that I must have done it. The amount in dispute is only {$20.00}. However, whomever, accessed my account my try to get more cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
They close my account down for no reason took the money that I had in there for no reason and didn't give me 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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I purchased a XXXX XXXX XXXX from a used dealer and the price on the car window said XXXX, I paid XXXX to hold it and would come back with the rest of my XXXX down payment. The truck had XXXX miles. When I went back the price doubled and now the loan was for XXXX, but I needed a car very bad so I purchased. Right away the truck started giving me problems it kept cutting off I took it back and they were booked for maintenance. This happed in XXXX. Because the car kept cutting off while driving I started changing the battery and alternator nothing worked. I started to be late for work and eventually was fired when the truck left me stranded on the side of XXXX XXXX on my way to work. I called Credit Acceptance Corp explained what happened and was asked to do a voluntary repossession and what ever they sold the truck for I would end up not having to pay anything else on it. I got behind due to Loss wages from the truck cutting off. Now fast forward Credit acceptance has been garnishing my work checks I get government assistance so I'm exempt in Wisconsin from garnishment but they have been aggressive since XXXX and are currently garnishing me now we go back to court in XXXX. I also later found out there was a defect recall on the model XXXX I had and that's why it kept cutting off so I was sold a recalled lemon. I really need help with all the wages I have lost I'm currently facing eviction cause my checks are so short from their garnishment.

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

Complaint narrative:
My bank was close down due to fees ATM withdrawals that wasn't me refuse to help 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you

Company response to consumer: Closed with explanation