vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: AL

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 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 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NJ

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. 

The following have violated my rights ; 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 15 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
They were allowing companies to still take their payments out and overdrew my account every month. Then i was hit with a {$35.00} over draft fee for every over draft. I was also being charged {$10.00} a month to have an account with them. I closed my account down a couple months ago after being a loyal customer for over 6 years.

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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Went in to acquire a car and was under the assumption that I was entering into a consumer credit transaction. I was then advised I needed to make a cash down payment, which is in direct violation of TILA, then later found out the transaction was turned into a security backed asset without full disclosure and my private source data was used and disclosed to a third party that I didnt do business with, again without my knowledge permission, and/or consent. Which constitute fraud and breach of contract solely for the disclosure of information without authorization. Its negatively impacting my private consumer credit report, with fraudulent information and values credit transaction reporting, including but not limited to late payments which is not considered a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was purchasing a small house. I was going to get a Cashier 's check from my bank but was informed from my realtor and it has to be a wire transfer by law. I was sent wire instructions to my email from Realtor/title company. I went to my bank and sent the wire. I was at my real estate closing and the title company said the money was not there. I called my bank and they said they had sent it. Come to find out the email with the wiring was hacked, and I was sent fraudulent wiring instructions. My bank tried to recall the wire but most of the money was gone. I feel if Wells Fargo would have checked the names on the account and on the wire that information wouldn't have matched up and the fraud would have never occurred. Can you please help me with this situation? 

thanks, 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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They put a 14 day hold on deposits .they didnt do that before.we where charged over draft fees wich made us be overdrawn on our bills and accounts. Subsiquently closing our account.XXXX to 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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and XXXX inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OR

Complaint narrative:
My grandparents passed from covid within 3 days of each other and I was left homeless and on the streets or in motels and as a retired service never I was on a fixed income. Mariner finince Also put the wrong day as payment day as I only get one check a month and the hit me with late fees that weee do to there mistakes and were not willing to meet me in the middle and clear even one of the late fees as well as they extended the time of the loan to increase my payment and to fleece me of more of my hard earned military compensation pay from my military compensation pay do to being 100 % total and completely XXXX permanently. When they refused to bend at all and with the raised rates s d interest charged I was not at all able to pay that loan back and my rent is still over 1000 a month and I can not ever afford food. I believe they call mariner finacial a predatory Leander and they purposely went out of their way to ruin that relationship from the get go with their attitude and decision to defend their loan officer when I told her that I needed to have my pay date S the first and not the. XXXX when XXXX broker that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: GA

Complaint narrative:
I am a former Wells Fargo customer. And my account was charged unfairly during the time I had the account. I am owed something from the settlement.

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 2023-01-20 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: MD

Complaint narrative:
I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CA

Complaint narrative:
Bank kept taking money out when there was lack of funds in the account and then charging the account overdraft fees when the bank knew of low funds and still took out money when the account was low on funds

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 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received an auto text from this company Credit Control, I have no idea what this is in regards to. The auto text only states to log on or call Credit Control nothing else, no written notification received, again, Im not sure what this is.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, Can you please include me in the class action lawsuit? 

Here is my Bank Account credential : Account number : XXXX Account holder name : 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 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had {$59000.00} stolen from my accounts. The thieves transferred $ XXXX from my equity line and then used payroll services to pay themselves two bonus payouts from my business checking account. I notified Wells Fargo of the fraud on the equity line account and they closed my small business checking account and opened a new one. At that time the transfer from my equity line had not yet posted. They did NOT stop that transfer. They put the equity line money in the new account and that allowed the thieves to continue their crime and take the money. If they had stopped the transaction as I notified them or blocked the account from unusual transactions the thieves would not have had the money to take or posted successful transactions. The bank claims my notification was too late and that an ACH transaction ( the payroll transactions that were posted ) only have 24 hours to be recalled. My position is that is on them. The crimes happened on XX/XX/XXXX and XX/XX/XXXX. My notification of the fraud on the equity line was on XX/XX/XXXX. The notification of the ACH draws was on XX/XX/XXXX ( after the holiday weekend ) Additionally, when they closed my original bank account, they did not review posted or pending transactions with me. The payroll fraud ( 1st fraudulent payroll ) had already occurred on the XXXX and we could have identified the plan of attack if that transaction had been identified earlier. Wells Fargo fraud and claims departments have only sent unhelpful letters that simply say the claim is denied. My local bankers are trying to help, but they don't seem to have any better support or interaction then I do.

Please be advised that the FDIC may contact your financial institution or company to obtain additional information needed to respond to your inquiry or concern.

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 2023-01-20 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:
A Wells Fargo customer presented me with a check of approximately {$3700.00}. I checked with Wells Fargo to make sure that the funds were available. Wells Fargo assured me that the funds were available and honored the check. Wells Fargo later dishonored the check and accused me of fraud. They then took the funds from my account and closed my Wells Fargo 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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
AFFIRM INC failed to provide written proof of their ability to threaten me with reporting non public information regarding my account to third parties. I submitted dispute requests to them on XX/XX/2022 and never received a written response with verified proof of my dispute requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Rocky Mountain Capital Management
State: AR

Complaint narrative:
You stated that your corporation does not report any thing on the consumer report. 
Are you sure? ( see document provided ) You did not provide the documentation that I've asked for if you can not provide those documents the account is to be blocked and deleted You are in violation of 15 usc 6801 ( a ) due to not having my consent to furnish anything on my consumer report.

You are in violation OF 15 USC 6809 ( 4 ) ( A ) DUE TO NOT NOTIFYING ME THAT MY NON-PUBLIC INFORMATION WAS BEING SHARED AND NOT GIVING ME THE OPTION TO OPT OUT. 
YOU ARE IN VIOLATION FOLLOWING THIS ATTEMPT TO RECTIFY i WILL BE FOLLOWING UP WITH AN INVOICE TO COLLECT ACTUAL DAMAGES

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NM

Complaint narrative:
XXXX  I had so many problems with wells Fargo taking money out, for fees, etc. I eventually closed the account because it was putting me in the negative, and I wasn't even using the debit card

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 2023-01-20 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: CA

Complaint narrative:
I recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items 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 explanation
Consumer complaint received 2023-01-20 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: CA

Complaint narrative:
I recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Purchased XXXX XXXX XXXX XXXX through XXXX XXXX XXXX 
In XXXX it was repossessed. The fees kept going up, and we were charged Insurance fees through the finance company in addition to the full coverage we had through our own insurance company. We were not notified until it was too late and we were behind on fees. The XXXX was repossessed after we made arrangements to catch up and resolve the issue.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Between the last XXXX years XXXX have been charged fees when using XXXX and/or XXXX when using money per XXXX 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