vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, my rights has been violated. 

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.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo let my checking account get overdrawn. This account was opened with Wells Fargo 's guarantee that this type of account was impossible to overdraw.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: MS

Complaint narrative:
I don't remember the date, but I closed an account and Wells Fargo did not close it. As a result my daughter was able to get over XXXX of my money.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I banked with Wells Fargo for many years but ended up closing my account because of their bad management and customer service. Had called and went in to talk to them about checks coming in and Wells cashing the biggest first in order to charge over draft fees. They did this over and over. Had money coming out of my account and was overdrafted over {$400.00} in fees at one time. Went in to try to figure out what was going on and they told me to balance my checking account. Ended up finding checks from someone else 's account being taken out of mine. This happened over a several month period. Didn't have access to the cash they took out of my account to pay my bills. When I asked them to fix it. They told me to close my account that I'd had for many years and open a new one. I did, at another bank. My mortgage was sold to them a few years later and you had to go into the bank to pay the first payment. Went in, explained what it was for. Check was written out for the exact amount for the mortgage. They ( over ) paid a credit card instead that I hadn't recieved a bill for yet and they didn't pay the mortgage. Got a notice my mortgage was late and had to go into the bank to straighten that out.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is for my Wells Fargo accounts. 
I own 1 business checking, 1 business savings, and two personal checking accounts. I have had to pay fees due to hold and errors. I have paid fees at atms. My old branch closed, but did nothing to help. I've called without help.

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 2023-01-19 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-01-19 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company was Wells Fargo they had our home mortgage, we fell behind because I was XXXX  We tried to work with Wells Fargo. To get caught up and they kept denying that we had paperwork turned in. And then when we turned it in it got lost or transferred to another division. So we got the runaround. This was about in XXXX or XX/XX/2014. And it was around {$15000.00} that they wouldnt work with us.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I was denied credit from this finance company called ally financial I tried to finance it through XXXX of XXXX I would like to impose that adverse action has occured after the denial of credit also they're in violation of 15 USC 1681b & 12 CFR 1002.7 as a creditor shall not refuse to grant an individual account to a credit worthy applicant on any other prohibited basis which means even if I have a low credit score no matter the circumstance I shall not be denied credit they're also in violation of 12 CFR part 1002 Equal credit opportunity act ( regulation b )

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 2023-01-19 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: GA

Complaint narrative:
I got tired of Wells Fargo changing my transactions around so they can charge me overdraft fees, and I closed my 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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: ID

Complaint narrative:
In XXXX of 2020, my husband and I went to XXXX XXXX in XXXX, CA to purchase a vehicle for my husband so that he could work and also have a safe vehicle to transport our brand new baby. He is self-employed as a painter and needed a truck that could fit his work needs, but also be safe for our daughter. 

I expressed to the owner of the dealership that I knew our credit was less than stellar, but that I had excellent income and we had willing co-signers. They had one vehicle that matched our needs. Through a long day of supposedly checking the all the creditors they commonly used, and making it seem they were working very hard to get us approved, they eventually offered us a very high interest rate loan with my father in law ( who has perfect credit and excellent income ) as the primary and myself ( excellent income, poor credit ) as the co-signer. We felt due to the pressure put on us to accept this loan that this was the absolute only way we would get a vehicle ( which we desperately needed- my husbands current truck could not hold a car seat. ) So we accepted. 

We found out after the fact that the ONLY loan agency she had contacted was Credit Acceptance Corporation and that this womans father was the loan officer. In hindsight, we are realizing that we were taken for a metaphorical ride, because she knew how badly we needed this vehicle. There is no reason with someone as credit worthy as my father in law being the primary on the loan that we should have the exorbitant interest that we have tacked onto this truck. We are paying a new truck payment on a 12 year old truck. We were also told that we HAD to buy gap coverage through them in order to get the loan. We expressed that our plan would be to refinance the loan to get a better interest rate in the future when our credit improved, and despite the owner of the auto dealership knowing we couldnt refinance a truck that was more than ten years old, she said oh thats a good idea. Now we are stuck with a terrible loan we cant refinance. At the end of the day, we did sign the paperwork, but we feel that we were absolutely lied to, taken advantage of and that these loan practices where the auto dealership finances with a lender who is an immediate family member can not be ethical. The amount of money we have paid in interest on this loan sickens me, and we are now in a place, despite making all the very large payments on time, that the truck is worth less than we owe on it. We are frustrated and feel this shouldnt be allowed to happen.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My complaint is with Wells Fargo Auto Loans. I have my auto loan with them, I haven't had any issues until now. I call them at least once a month to ask questions about my account and get payment amounts and then log in and make payments. I had not idea I had late fees. When you log in online it doesn't show you any late fees, it's just says the amount due is the regular payment amount, even when it gives you the amount to make it current. And when I call they never say you owe more than your payment amount, even when you ask them for the amount to bring it current, they purposes avoid making the late fees part of your past due amount so they just accumulate. It wasn't until I called in early XXXX that she said the past due amount is {$590.00} when my payment is {$330.00} and i was shocked and she said, that's your late fee. I said all of sudden I have an astronomical late fee for the first time? And she said no, it's been accumulating. I asked why I can't see that online and why when I call it's never been said. She said we have been having issues with the way we apply our fees. I asked the amount of the late fee and she gave me a total and said I could have a breakdown sent to me within hours. I asked for it and got it 3 days later, like they needed to create something to back up the fees they change my manipulating the way they speak a to their customers intentionally to mislead them and get them to pay the wrong amount and keep accumulating fees they don't make accessible. I feel completely mistreated and intentionally lied to and misled because of their unfair ways. She said there is nothing they can do except send me a breakdown and she apologized I was mislead and would forward it to the complaint department but they will say the same thing and nothing can be done. Don't XXXX  your language and be deceptive on purpose. When I asked what is past due why would that not include late fees? The late fees are like a completely separate account they don't mention and don't openly show you in hopes they can just keep collecting. I have heard bad things about Wells Fargo and I always said that they were great and I never have any problems, until now. It's unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
We were so happy, my boys and I until wells farg said they would not modify my loan. They gave me loans, using our house as collateral. My boys and I were separated after they watched me put everything on tables for a rummage sale and filed bankruptcy. I remember me crying with my youngest son and his words " mom your our hero " he went to live with his Dad which didn't work and my oldest with a friend which resulted in a XXXX which didn't go well. I've felt like a failed for 15 years, living with my XXXX XXXX XXXX mother I still cry. Then on XXXX 2022 being alone I decided to fight fight for my Grandchildren, myself, my kids. 15 XXXXXXXX XXXX not being with my family. Sitting in she'd I built in my mother 's back yard. I won't settle for less then what I could have now if wells fargo would not have said NO! I didn't have the chance to pay my dept, now at XXXX I suffer with NOTHING!

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 2023-01-19 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: NY

Complaint narrative:
I have wellfargo and Im always charged XXXX overdraft fee or XXXX atm withdrawal fee

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 2023-01-19 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested. 

To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations. 

I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed. 

I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: AL

Complaint narrative:
The overdraft fee is to high so when u get paid u dont have any money left after paying the 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