vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have had a XXXX account for about XXXX XXXX. It has been on automatic electronic payment for a long time. 

XXXX. XXXX statement shows a balance of {$550.00} with a payment due on XX/XX/XXXX. 
XXXX. Payment of {$550.00} made on XX/XX/XXXX. 
XXXX. XXXX statement shows payment of {$550.00} received on XX/XX/XXXX, but they charged interest on this XXXX balance (? ). The electronic payment that would cover this " interest '' was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$10.00} fee. The electronic payment was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$20.00} fee. The electronic payment was not made. XXXXCard is unable to explain why the electronic transfer was not made. 

I PAID MY BILL IN FULL ON XXXX XXXX, have given XXXXCard access to take electronic payments and continue to be charged fines and my credit rating continues to drop. No evidence is attached, because it's all documented in their statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Overcharged on late fees .would not close my account out once I paid it 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 monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  the account # XXXX, has violated my rights.

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 XXXX  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 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Asked for proof or to validate debt never responded or sent the documentation I specifically asked for. Which results in deletion.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 XXXXXXXX XXXX 

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. 



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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 XXXX XXXX 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has been repeatedly calling me, 7 or 8 times a day. They are calling for someone who is not me and who does not live here. I have told them numerous times to stop calling me and that the person they are looking for does not live here. They don't stop calling and they don't listen to me. They accuse me of lying. I am XXXX XXXX XXXX and I believe they are harassing me on the basis of my age. I attended XXXX in the late XXXX and we didn't have student loans back then. I wish we did. I had to work in the college cafeteria to pay for my school and it was hard. I'm glad the students of today get help with their schooling but they person this Navient is looking for is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I submitted a verification letter to the company and received no response XXXX responded on XX/XX/2022 to verify the debt of $ XXXX company could not provide the original contract with my wet signature, creditor information such as name -address, and phone number of the original creditor, the payment history of the account such as itemized billing, and proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had a loan XXXX XXXX XXXXXXXX paid it on time except it late once. They repossessed it the mouth before it was paid off. Cost me XXXX between the additional XXXX they wanted and the XXXX tow all on the XXXX of XXXX at XXXX. Cost me thousands more due to we were going to take the boat out the next day and we lost the weekend and all the expenses we paid to get ready. Cost me approx XXXX total for a still undetermined reason, I was so mad and had nothing to do with it or anything I could do about it.

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 2023-01-21 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: NJ

Complaint narrative:
I HAVE BEEN A WELLS FARGO CUSTOMER FOR MANY XXXX AND EVERY TIME I AM OVERDRAWN ON MY CHECKING ACCOUNT, THERE IS A {$35.00} 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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo home mortgage fraudulent over XXXX through the actual foreclosure in 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
All of my personal info was put at risk in XXXX  ,XXXX  when the entire system was hacked. I haven't been able to access or open a bank account anywhere sense.

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 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 XXXXXXXX XXXX 

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. 



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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 XXXXXXXX XXXX 

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX the account # XXXX, has violated my rights. 

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. 



In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX the account # XXXX, has violated my rights. 

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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022 I received a text asking if I authorized a XXXX  transfer. I text back saying NO I didn't. Then a text saying a rep from Bank of America will be calling me. Phone rang it said b of a. The rep explain to me that a two transfers were about to happen one for a XXXX and one for XXXX and then explain to me the way to stop it reverse it. When in fact it sent it. I was scammed the whole entire thing was a scam. The rep on the phone told me the transfer was from someone named XXXX XXXX XXXX XXXX my Bank of America here in XXXX knows all the information they are not helping, they sent me a letter saying that the transfer was good and there's no more investigation, when in fact the whole thing was a scam. I never authorized money to be sent and I have the text to prove it they closed it said they're doing nothing about it and then I contacted XXXX I've also contacted XXXX. Now XXXX told me the same thing that there's nothing they can do once money is sent and I authorized it I didn't authorize this though that's the problem I didn't allow anybody to take money I didn't send money to anybody.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During XXXX data breach my card was wrongfully used. I accrued over {$1000.00} in fees that XXXX  reversed but Wells Fargo would not and closed my account. I am no longer allowed to have a Wells Fargo account due to 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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Since my time in working with Rocket Mortgage I have received poor service and have been taken on a ride. I started this process in XXXX and the company requested I take care of some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I took care of promptly. I was preapproved for a XXXX XXXX  mortgage {$170000.00} with a down payment of about XXXX XXXX and closing costs of XXXX XXXXXXXX. Then my name was entered on the original contract incorrectly by the company which XXXX XXXX noticed after reviewing the paperwork. As a result the company had to perform additional hard inquiries which cause my XXXX XXXX to fall to XXXX. In XXXX, I was told I was not able to qualify for a FHA Loan because I was granted a forbearance for my previous mortgage loan during the XXXX XXXX  era but have yet to be shown the requirement or rule is for that and why that was not discussed with me from the beginning. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) discusses this very situation and shows that I would be eligible for a FHA loan. The issue about the forbearance came up in XXXX and they knew from the beginning I was granted a forbearance and that my mortgage was never late or past due which was proven by the previous mortgage company. It seems like everything that was originally told to me was not true at all and put me in a bad spot once I finally selected a house. I selected the house based on what I was told upfront and everything suddenly switched and Im being told different information. I was now only approved for {$160000.00} with XXXX down payment and XXXX XXXX closing costs for XXXX XXXX. Which raises my XXXX payment about {$200.00} and increasing my XXXX ratio. I am very dissatisfied with how this process has been. My information being incorrect, dealing with professionals that are not familiar with their own industry, being told XXXX thing up front and then almost at the end of the process everything has suddenly change and no one can give me clear, concise answers. I have researched whether or not is forbearance during the XXXX XXXXXXXX era will disqualify a borrower from a FHA loan and I have not seen anything of that nature. Rocket mortgage has not adhered to FHA guidelines after advertising as such which why I came to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was a Wells Fargo Bank customer from XXXX  until XXXX and had a Wells Fargo Checking Account, Wells Fargo Car Loans and a Wells Fargo Mortgage. I believe I was charged incorrect fees that should have not been applied. Additionally, I had numerous vehicle loans loans through the bank in that 10 year period and believe that some of the monthly payments were not applied correctly, resulting in higher fees and interest. Lastly, as a mortgage loan customer, I also believe that I was charged excessive late fees that shouldn't have been charged during the life of my mortgage loan. 

To date, I have not been contacted by Wells Fargo Bank either, regarding the bank 's breaking of federal consumer protection laws that apply to these financial products that I had for 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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:
Wells Fargo charged overdraft fees and took funds from my account. There is a law suit with Wells Fargo. I have been a member from XXXX to XXXX. I have attached a bank statement to show my account information for the class action law XXXX XXXX 

More than XXXX XXXX people are owed some serious cash from Wells Fargo. If you happened to be a customer of the banking institution during the period of XXXX to XXXX, this could apply to you, according to XXXX. 

The Consumer Financial Protection Bureau filed proceedings against the financial giant for breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} billion. In addition to {$1.00} billion that will go towards a victims relief fund, per the CFPB, that leaves {$2.00} billion that is owed in direct payments to the banks customers who may have been subject to erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans. 


Wells Fargo XXXX Account Customers Any customer who was charged incorrect fees may be eligible for the damages payment. This includes anyone who had a surprise overdraft fee for debit card purchases, checks or ATM withdrawals when their account had enough funds to cover the transaction. It also includes anyone who had a monthly fee that shouldnt have been applied. Banking clients may receive up to {$100.00} in damages.

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