vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
Hi CFPB Team, My Name is XXXX XXXX, This is the second complaint in this portal, the first one is XXXX5, Im filing this complaint again as the Bank ( Wells Fargo ) people did not help me get my funds back into my account. There are many unauthorized transactions in my account that I did not authorize. This conversation with bank people has been going on for many months. Yet they did not resolve the issue. After realizing there are many unauthorized transactions, I contacted the bank to help me with this issue. I filed a claim with Claim no XXXX. 

First, this case is given to XXXX ( Investigation Officer ), and I don't know what he investigated just denied the case, saying, I knew about these transactions. After rejecting it they sent a letter to me, saying I'm responsible to contact the merchants who deducted money from my account. 

So, I tried communicating with merchants XXXX, XXXX, XXXX and XXXX. I had an email conversation with the merchant, that I dont have any accounts with them and asked to verify by providing my ID and address proofs to the merchants. After verifying in their system, they are ready to help me but not directly they mentioned contact through officials and bank people. 

I conveyed the same to the Wells Fargo Bank, but the bank people did not contact the merchants, they clearly are not investigating this case properly. I lost all my savings, but Bank people are not helping to get my money back. 

After so many conversations with Wells Fargo Bank, this case was again given to XXXX XXXX XXXX XXXX, another investigator. I explained everything to him, but he also refused my claim saying that I knew about these transactions. Im fighting for my money, which I lost. They really dont care about the customers. 

I tried reaching customer care several times and asked if I can talk to XXXX, after so many conversations finally XXXX called me, and after listening to my concern, he files a CCN complaint with reference ID XXXX on XXXX of XXXX XXXX  This CCN complaint will take another 120 days to get resolved. Im just waiting here, to get my money back. 

I dont want bank people to invest so much in this, just contact the merchants, and inquire about my information in their systems by showing the email conversation I gave to the Bank and these merchants are ready to help, they will give my money back. But Bank people clearly said they will not contact the merchants. 
CFPB team, please help me to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES AND I NEVER RECEIVED A RESPONSE, I SENT ALL DISPUTES IN XX/XX/2023 AND XX/XX/2023, THE INVESTIGATION IS TAKING LONGER THAN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: IL

Complaint narrative:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES AND I NEVER RECEIVED A RESPONSE, I SENT ALL DISPUTES IN XX/XX/2023 AND XX/XX/2023, THE INVESTIGATION IS TAKING LONGER THAN 30 DAYS.

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 2023-06-01 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: TX

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 letters are stated with items and issues. 

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 a 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 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.

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 2023-06-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had fraud in my account and the problem never got resolved. I am unable to open more bank accounts because of this.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, FL XXXX XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX REPORTED SSN/ID : XXXX Drivers License : XXXX STATE : TX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$220.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX XX/XX/XXXX Bank of America, The above entry where SUSPECTED FRAUD ACTIVITY . is being reported by you ( BANK OF AMERICA ) to reporting agencies since XX/XX/XXXX which is not only inaccurate but false. 

A simple overdraft does not constitute fraud. Moreover, any fraudulent act must also demonstrate intent. This is why that BANK OF AMERICA must produce any and all documentation that would warrant suspected fraud. Suspected fraud without documentation is not fraud at all thus BANK OF AMERICAs intent is to cause harm to me the consumer in this case. When did BANK OF AMERICA notify me, the consumer, of this adverse information as required under FCRA. 

Since EARLY WARNING SYSTEM has repeated the inaccurate information, this has caused additional harm to me, the consumer. 

This false information has caused me financial and mental harm since you ( BANK OF AMERICA ) has refused to correct or delete this false information. I am unable to open another checking account due to the SUSPECTED FRAUD ACTIVITY that BANK OF AMERICA has noted on this closed account without any documentation demonstrating fraudulent activity. I demand that BANK OF AMERICA forward valid documentation of fraud or delete the account as required under FCRA. 

I am demanding that you ( BANK OF AMERICA ) provided accurate documentation of fraud activity to me with regards to this issue or delete this information and halt reporting this inaccurate information to the reporting agencies, XXXX XXXX XXXX & XXXXXXXX XXXX, with in thirty days of receipt of this letter. 

Failure to do so as required under FCRA, I will seek {$1500.00} per day from the time you ( BANK OF AMERICA ) began reporting this false and inaccurate information, XX/XX/XXXX, until it is deleted. 

BANK OF AMERICA, provided me with accurate documentation or delete the erroneous information and send me a copy. 


XXXX XXXX Cc : State Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX Federal Trade Commission

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 2023-06-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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:
I contacted Wells Fargo on XX/XX/2023 to report that two transactions I had made on XX/XX/XXXX turned out to be fraudulent. I provided the person I spoke with when I called the details of the claim ; that I had made a purchase that was supposed to be fulfilled within a certain timeframe and it wasn't. Therefore I contacted the sellers customer support through their website and their email, and I didn't get a response for either. There was no sign of tracking or shipping updates, and after further research online, other people were experiencing this as well, so I figured out I had gotten scammed. I also mentioned that on the website, both orders say unfulfilled on their part. The amount of money for both transactions was, ( {$710.00} & {$390.00} ). The person I spoke with, informed me that the information I provided was sufficient to file the claim and get it investigated. I thanked him for his help and asked him if I should also file a police report or submit anything else. He said nothing else was needed for the claim to be processed. So I continued on with my business. Since I didn't receive my money until 6 days after, within those 6 days I was calling the Wells Fargo XXXX number three separate times trying to get a status update or anything but I was not able to reach them any of these times, after being on hold for around XXXX minutes each time. As I do every week, I also went in physically to the bank to make my weekly cash deposits, every time I asked the teller to provide me with a status on the case they told me there were no updates they could give me. Today, I received a letter from Wells Fargo claiming that they are going to charge my account for that money, since they could not get my " side of the story '' or evidence to finish their investigation.

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 2023-06-01 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: MRS BPO, LLC
State: CA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: OneMain Finance Corporation
State: CA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has XXXX several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
Wells Fargo Bank. 

Late morning on XXXX I deposited a check in the amount of {$350.00}. I had moved from one apartment complex to another apartment complex, and the check was from the property management company of my former complex -- a partial refund of the deposit I had paid when I had moved in. The management company ( issuer ) is XXXX XXXX- a MAJOR property management company in The US. //// I did some shopping. Went home. Checked my checking account via XXXX. The check was in my checking account and available for use. So I paid some bills with the money. //// At XXXXXXXX XXXX., on XXXX, I received an email from Wells Fargo : " Wells Fargo deposit hold alert ''. ( I still have that email if you need to see it. ) That was THE FIRST I heard that my deposit had been put on hold. Since I had " overdraft protection '' my bills that I had paid -- they did not bounce. However, WF took money from a Wells Fargo CC and paid the bills. //// I went into the bank and spoke with a banker -- but got no relief. I didn't think that I should have been 'charged ', via my CC, for covering the bills ( and I still don't ). It was only {$25.00} that WF took from my CC, but I don't think that I should have to pay the increase in interest on that {$25.00}. I KNOW that it's only {$25.00}, and the interest will hardly break my bank. As the old clich goes, 'it 's the principal of the thing '. ALL of what WF did was without my knowledge -- well, it was without my knowledge, and I was not notified of any problems until approx 15 hours AFTER I had deposited the check and paid bills on it. AND the banker wanted me to feel sorry for WF. He said to me, among other 'tear-jerker statements, that I had no idea how many fraudulent checks that are deposited in WF 's accounts each and every day. So I should feel sorry for WF? His 'stuff ' was the last straw. I would like that {$25.00} to not have the higher interest rate. And I want someone to know that WF is up to its shady banking practices once again. Thank you. Oh, I told him that I was filing a complaint with CFPB -- and he offered to do it for me. LOL Yeah, right. I declined his kind offer.

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 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I bought a vehicle from XXXXXXXX XXXX XXXX and had a warranty purchased on it. Now, XXXXXXXX XXXX XXXX has closed and I am having to pay for the repairs since the vehicle they sold me is not in the best of shape. The cars coil packs have gone bad 2 times in the last 2 months and the repairs are around XXXX dollars each time on top of the amount I already pay for the loan and the insurance for the car. The car loan is transferred due to XXXX XXXX XXXX  closing down and I have no one to honor this warranty since the company the loan was sold to has said they will not be doing so.

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 2023-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax Mortgage solutions and they said the loan amounts are correct but when you look at the Equifax, XXXX and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

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 letters are stated with items and issues.

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 a 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 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.

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 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I received a letter on today XX/XX/ threatening to sue me if a payment is not made. Luckily I made a payment on XX/XX/ because when I tried to go in and verify that my payment had been applied today on XX/XX/XXXX  it says I have no active account. It has just been one thing after another with this company from the constant harassment despite me sending a letter asking them to stop now them threatening to sue me when they have never reported to any of the credit bureaus of my accounts being 30 days late and I check on multiple credit monitoring sites both paid and unpaid ( XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  So I am including a screenshot from credit wise where Tower Loan had reported on my credit on XX/XX/ that my payment status with their company as 100 % on time payments. So now I feel they are trying to set me up so they can sue me since my accounts just so happen to say no active account after they just conveniently set me a letter threatening legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
I have recently been notified of a report sent to Experian with an address that I am not nor ever been associated with. I would like to report fraud and identity theft. Thank you. 

You have a new address on your Experian credit report Address XXXXXXXX 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 2023-06-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX XXXX XXXX I contacted Equifax and informed them that my {$10000.00} personal loan with XXXXXXXX XXXX  was paid in full and the account was closed. Equifax sent me mail indicating ( received XXXX XXXX XXXX  ) that the information they have in their file was " Verified As Accurate ''. The information is NOT accurate because I do not have a balance on this account and my credit report still shows a balance!!!

Company response to consumer: Closed with explanation