vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I believe my auto XXXX  has been mismanaged and payments applied incorrectly resulting in higher interest payments and delay in paying 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
Consumer complaint received 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
They took my money and charged me outrageous fees and interest rate I just believe that I robbed. They got me for about XXXX  dollars and I have tried getting my money back but they weren't trying to hear anything I had to say.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was only able to open a savings account and money kept getting out from my account kept charging me over drafts and wouldnt let me close my account cant remember what month and year been so long ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Hello. I have a Chase Bank Marriot XXXX Credit Card ; last 4 digits XXXX. I have had this account for 20 years. Even though my credit is above average and I pay my balance monthly, Chase Bank keeps raising my credit limit after I tell them not to. Most recently, today ; XX/XX/XXXX. I only want a {$5000.00} limit, but thenyalways raise it to {$10000.00} without my permission. I have asked them to stop several times, but they continue to ignore my requests. With all the cyber stealing happening, I do not want to be a victim, or at least limit it. Make Chase Bank stop this practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquires.Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Police and fire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT XXXX XXXXXXXX, CREDIT XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had just enough money to cover bills on several occasions, sometimes more than enough and at least one bill would always get returned and I would be charged a overdraft fee of XXXX. A few time the bank refunded me but I had to pay penalties with the bill company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was a consumer with Wells Fargo regarding my mortgage from XXXX to XXXX ( when my loan was transferred. ) During my time with WF I had applied for home assistance, provided all required documents and was denied payment assistance.

In the beginning, when the loan was originated, WF loan officer assured me I qualified for a 30 year fixed; on the day of closing, XX/XX/XXXX, she called me hours before advising for some reason I only qualified for an interested only mortgage. I was upset as I was assured based on my credit score, and down payment I would get a 30 year fixed. 

As result of this type of loan I got behind and it was then I asked WF for payment assistance ; I was given the runaround, misinformation from different reps when I contacted customer service until the loan was transferred in XXXX of XXXX. As a minority homeowner, WF took advantage of me based on 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I experienced 4 main issues with my accounts. 

1. I set up an overdraft protection process where a savings account would be debited for times when the account went over balance. I have been charged overdraft protection fees even if this account was set up.

2. My free checking and savings account suddenly started to get deductions of account maintenance fees when they had not been present before.

3. I noted many inconsistencies with the debiting and crediting of the account balances that seemed to leave the account with lower balances than expected. I called many times to query this and was told all the amount were debited correctly.

4. I ordered a ATM card for my debit card, the card was mistakenly incorrectly linked to my mother 's account. Since then, I have not had access to a debit card on my account.

I have had some concerns over my accounts for the last two years, the debit credit system of accounts has significantly changed with Wells Fargo, with transactions failing to post in a timely manner. I have called on 3 different occasions questioning my balances and visited the branch on several occasions with those queries but seem to not be able to substantiate those inconsistencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all 3 XXXX XXXXXXXX - OPEN - all 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2023 - XXXX Credit Review XXXX on this letter! 
that I applied for credit and I did not : Reference # on the letter - XXXX * Unable to verify identity information was reported on this letter which created a hard hit Inquiry on my Credit Report, I called the company and reported Identity theft to XXXX Credit Review to please remove this hard hit as it says : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/2023 I've called Equifax to remove this and reported disputed online- they said no! 
Dispute was closed the very next day on the weekend Sat and Sunday, I want this hard hit off my credit report under the Inquires. 
I have froze and reported identity theft on my Equifax report XXXX XXXX XXXX ( XXXX ) XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Had to close my account because there were always descrepcies and changes in account balances. Years 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Between XXXX early XXXX wellsfargo I felt stolen myself XXXX and XXXX  benefits and applied my benefits to over drafts myself had no clue about view XX/XX/XXXX through XX/XX/XXXX wellsfargo did myself an unjust service and did not care regarding investigation myself request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and trans union shows incorrect report and trying to reducing my scores. 
I tried many times to Dispute them but I couldnt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was with them for 2 years. Over that time Ive had nothing but issues. They had a lot of real-time issues I would make deposits and they would hold that money and as bills would come in I would sustain overdraft fees. It happened every month and I finally got tired and left the account alone until it was closed this past XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo Mortgage several times on providing me with a real time statement during the year a payment in XX/XX/XXXX was missed doing the crucial time of the pandemic. I never received a proper real time statement showing why the late fees were erroneous being charged. I requested an explanation an not one could provide an explanation. Instead I was sent a letter stating if I did not pay a large dollar amount of {$2000.00} my loan would be accelerated on XX/XX/XXXX for foreclosure. I am a victim of the Wells Fargo Mortgage XXXX XXXX for {$3.00} XXXX. I have been charged erroneous fees and I believe I am due some escrow in which Wells Fargo Mortgage is holding as of today XX/XX/XXXX. I am requesting assistance with investigation of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Paid money in XX/XX/2022 twice and then said I was late I. XX/XX/2022 for no payment and believe some of my extra payments I paid on principle did not go to principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had to do a bankruptcy in XXXX, the lawyer never sent in the disclaimer so my mortgage hasn't been on my credit report since. I tried to find the lawyer when I found out 10 years later, no luck. Wells Fargo says there's nothing they can do. I also had XXXX insurance on my loan. I have been XXXX since XXXX. They can't find my XXXX benefits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
In XXXX of 2022 I became a victim of the so called XXXX XXXX for {$1500.00}. I reached out to the Executive Office of Discover Bank but they denied my claim. I informed them that pursuant to 11 U.S. Code 548, federal law requires funds to be refunded for fraudulent money transfers regardless of voluntary or involuntary transfer. They did not respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I really cant give an exact date however I know on a few occasions I have either deposited or withdrawn money from an Wells Fargo atm and the money was either counted wrong or came out a shorter amount I have called before and it was nothing they could do for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX  Has Been Charging My Account For About 10 Months For A Membership I Have Not Even Been Able To Use

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
ATM was charging {$4.00} when I used it plus they closed my account without my acknowledgement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mom open a credit card added my name in XXXX. She died .she had all this credit card dept on the wells fargo card and they closed the card and wont give me a card and told me i was responsible even though she carged it. Over XXXX in charges

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