vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I reached out to the XXXX XXXX XXXX and Bank of America charging me for Maintenance fees in the market {$10.00} when I had Have a substantial amount of money to code the maintenance fee call Bank of America rules I had {$500.00} deposited into my account that month and my bank fee should have been waved The bank account that I have has no fees as well as to my understanding and Bank of America refuses to refund the {$9.00} taken out of my account on XX/XX/XXXX XXXX I will see that response from Bank of America pause XXXX XXXX is planning that they need a more time and as of XX/XX/XXXX I have not yet heard anything or have had any resolution to this 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and Equifax are required by law to remove & block any item or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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

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: MT

Complaint narrative:
I had a checking account with Wells Fargo years ago. I quit using them due to so many overdraft fees and fees they took out between the years XXXX to current. To me, that was dirty to always get hit with large overdraft charges. This was done in XXXX I have moved to XXXX since then, and changed my last name to woods.My apologies, I can not give actual years or dates. I always felt Wells Fargo was dirty when it came to so many 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 2023-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA 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 2023-01-20 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: OR

Complaint narrative:
I had my bank account closed because of the overdraft fees and fees occured by having a low balance.

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: SC

Complaint narrative:
They changed me a tremendous amount of overdraft fees and then closed my account without reason

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, somehow my Cashapp account was compromised. Information was changed and different banking information was uploaded to my account. Not sure how, since my personal information is necessary to update anything. I informed Cashapp of two fraudelent transactions, one of XXXX, and one of XXXX, made from a NJ location, I live in GA. After some investigation, Cashapp did refund the funds from one of the fraudelent transactions, but denied the other, larger amount. These transactions were both reported as fraud, both done at the same time, and by the same source located in NJ, as per the information on Casapp, so why would only one transaction be returned, and not the other? My XXXX account was also compromised, with fraudelent charges made using my Cashapp card information, and once informed, and after XXXX investigated, and noticed suspicious activity, XXXX refunded the funds. I have had my Cashapp account for years, and have not encountered any issues like this before. I would have expected some integrity in the handling of this matter. I do not believe I am getting that from Cashapp. I have since removed Cashapp. I currently keep the app for updates on my dispute, and once refunded, to cash out the funds, and completely close it out. I would not be using the app anymore once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had deposited a refund cashier check on Saturday, XXXX XXXX to Wells Fargo Bank. I was told by the bank that I had received the refund on that Wells Fargo had verified the funds and cashed the check on XX/XX/2023. I was told by Wells Fargo customer service agent that the check hasn't been cashed in fact it was returned. They advised that the funds were not available, and will be placing the check on restriction until XX/XX/2023. Meanwhile my account is overdrawn and they are charging me a {$35.00} overdraft 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 2023-01-20 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: CO

Complaint narrative:
Well when I was with wells Fargo it's been almost a year that I haven't been with them but when we were with a banker in their cubical they said that they discovered that theres six to seven accounts in my name I only had a checking and savings in which I lost some of my XXXX back pay which the total loss I had taken is {$6400.00} I just got this money from battling and defeating XXXX can you please get me 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX CA 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 2023-01-20 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: CA

Complaint narrative:
THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX CA XXXX

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: UT

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}

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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account balance is wrong across all three reports. Please remove inaccurate information from my 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account balance is wrong across all three reports. Please remove inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account balance is wrong across all three reports. Please remove inaccurate information from my 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: 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}

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 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2023 to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}

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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX frauded money out of me via XXXX I was not told anything about it, to send money to people that are over here he says that he is in the army, XXXX XXXX is supposed to in the army too I sent money to XXXX XXXX from CA and XXXX XXXX XXXX XXXX CA I have both of there numbers one works the other does not. There are alot more names.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Im not sure I have a claim, but would like to know. 
In XX/XX/2012 my husband XXXX  XXXX  in XXXX XXXX, XXXX. We had gotten a loan prior to his death, from Wells Fargo in XXXX, XXXX, to purchase an XXXX XXXX diesel pusher motor home. I dont recall the year or length of it. When he died I didnt feel I had enough income to keep making the payments. I told Wells Fargo I wanted them to just repossess the motor home, but they wanted me to just pay it off which I couldnt,,, I just wanted them to repossess it, but not until I paid them {$28000.00}. after much haggling and arguing with them which I did, and they sent someone out at a later date and they took the motorhome. Ive often wondered if that transaction was above board or not,,, ,and I would like to find out if I have any kind of compensation coming. 
Thank you, 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: 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I see two accounts that Equifax is reporting on my credit report. I do not have a contract to do business with either of the companies listed below. I have the same name as my son. I don't think the bureau did any sort of verification before listing these items on my report. Therefore, I must request a copy of the signed contact to do business with the parties listed : XXXX XXXX XXXX opened on XX/XX/2018 {$890.00} XXXX XXXX XXXX opened XX/XX/2018 {$1300.00} According to FCRA, its possible for Equifax to have mistakenly mixed credit information of people with similar information, which violates the FCRA if not remedied Creditors should not give information they know ( or should know ) is untrue or inaccurate to Equifax and Equifax should be making sure what they're reporting is true and accurate before listing these accounts on my report. 

Please provide requested info and not just say the items were verified without providing me of PROOF in the form of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My loan with Wells Fargo denied me Gap payment after I paid off the loan

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