vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was talking with Wells Fargo in 2011 because I got laid off and my payment were behind trying to get help with my loan so they would not foreclose. I kept in touch with them about my loan and payments. I was trying to see if I could get a loan modification and they told me I could but the next thing I know my house was being foreclosed on and I get a call about loan modification but turns out it was not a modification and they ended up taking my house plus by that time I had a job and couldve made my payments and caught up but for what they did it was to late and took my house

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Daily limit was changed without my knowledge. I later changed it online within the past few months

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 — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My husband passed n I tried everything to save my house well they for closed plus he had a XXXX XXXX life insurance on it I never received. They told me my name wasnt on house my husbands name was XXXX I even tried filing bankruptcys

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681. 
1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX  XXXX 14 XXXX XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.

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: 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: PA

Complaint narrative:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have applied for many loans and credit cards through Credit Karma. Apparently they have been scamming users to apply knowing theyll be denied. This has effected my XXXX XXXX tremendously.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
They always took the fee even when I had the required amount. Then when I call them they say it nun they can do.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I want to file a complaint with Synchrony bank for unethical and deceptive practices towards their customers. On XXXX I signed a payment contract at XXXX XXXX for XXXX XXXX dollars a month until the full amount of XXXX was paid off. Ashley furniture stores finance company Synchrony bank took my account. I set up my account for auto payment. On XXXX XXXX the full balance amount of XXXX us dollars was charged to my bank account. I called them and they said it was a glitch in their system. The problem was fixed and I was reassured it would not happen again. On XXXX XXXX the full amount was charged again. I called them and they said they couldn't fix their glitch this time around. Leaving me penniless and over drafted bank accounts. This caused me a lot of financial scrutiny and stress. I did some research on this company Synchrony and they have over 600 complaints about this practice they use for their customers. I believe it is fraudulent and unethical.

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 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: FL

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

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 of 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: 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Remove this off my report its effecting my score

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX never gave ( Experian ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, 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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX we purchased a XXXX XXXX XXXX  with a loan through Wells Fargo in the amount of {$45000.00}. On XX/XX/XXXX I made the first payment in the amount of {$760.00} which is the amount we have paid up throughout our loan. We have never been late until XX/XX/XXXX at which time I contacted Wells Fargo auto loan customer service to discuss our financial issues and make our payment. They deferred our payment XXXX  XXXX XXXX  and moved our due date to the XXXX of each month. They collected my payment of {$800.00} which included a late fee in the amount of {$38.00}. On XX/XX/XXXX we logged onto our online account to make our payment and noticed the breakdown of our last payment on XX/XX/XXXX with a principle/interest amount of {$720.00} and a late charge of {$38.00} which equaled out to our regular monthly payment of {$760.00} and then they had a secondary late fee in the amount of {$38.00} which brought us to the payment of {$800.00} that we paid on XX/XX/XXXX. We contacted the Wells Fargo auto loan customer service to ask for a breakdown of our bill and discuss our concerns with them on the matter that they seemed to be charging us a late fee every month which came to be a total amount of {$760.00} not including the amount of interest this has accrued and they assured us this was not the case and that it was a problem on their part and that they would contact us when they looked into it and resolved the problem. On XX/XX/XXXX we logged into our account to make our payment after not hearing back from the bank or receiving the breakdown that we had asked for and saw that our current payment due was {$720.00} with a late charge in the the amount of {$38.00} which brought us to {$760.00}. We also noticed that they had credited our account {$760.00} on XX/XX/XXXX and an interest adjustment in the amount of {$370.00} on XX/XX/XXXX. We contacted customer service once again for an explanation at which they could not provide XXXX and they would put in an XXXX complaint on the matter. On XX/XX/XXXX we received a letter in the mail stating that we accrued a late fee in the month of XXXX but no other months and that the issue was resolved.

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: 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:
On XX/XX/2022 affidavit of truth was sent to Transunion for inquires. Invoice and exhibits were sent for violations and damages. According to 15 US Code 1681N I have been XXXX and XXXX under this notion. Per FCRA all UNVERIFIED and UNAUTHORIZED accounts after XXXX days must be removed from consumer report! Transunion has failed to send substantial proof of these inquires being authorized. Also failed to fix errors on consumer 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 2023-01-21 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: FL

Complaint narrative:
Havent received notice on lawsuit. Still waiting.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I see inquiries on my report that shouldnt be there & thats effecting a lot on 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 2023-01-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent disputes on XXXX, XXXX, and XXXX to delete the inaccurate addresses and names that are listed on my credit report. Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported should be accurate and up to date. I've sent over my ID along with the requested information with the address where I live and the company refuses to delete the inaccurate information.

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 card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was trying to use my Express credit card on XX/XX/17 and it was declined. I was confused as to how that can be when it shows that I have available balance and wasn't past due on my payment. I contacted XXXX and the representatives referred me over to Comenity Bank, its financial servicer. The Comenity reps and supervisor advised me that there was an internal software glitch over the summer which still left accounts like mine to still have issues. Comenity told me that they will have to submit this issue over to its IT department and have them to correct my account. A couple of days passed by and I noticed on my current credit report that the XXXX account 's status was shown CLOSED. I immediately contacted XXXX and their chat representative indicated that it was indeed closed. I explained to the representative that I never requested for it to be closed and he referred me once again to Comenity Bank and I spoke with one of the supervisor 's named XXXX. 
He did see that I reached out to Comenity Bank on XX/XX/17 and he submitted a 2nd request form to the IT department. He said also will submit a form to have the credit tradeline to reflect that it should be opened. However, it didn't sit right with me that when I originally reached out to Comenity ( XXXX ) nothing has been resolved yet. So who's to say that they will resolve this the 2nd time?

Company response to consumer: Closed with non-monetary relief
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 — Account information incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
Fed student loan also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

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: NC

Complaint narrative:
Wells Fargo on a couple occasions was called for a stop payment on my account but did not stop payment and I was charged overdraft fees so I would call into Wells Fargo and open a claim for it to be resolved but was never awarded back the overdraft fees that they took when they realized I called in for stop payments because the company was not supposed to bill me but did

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I see inquiries on my report that shouldnt be there & thats effecting a lot on 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NY

Complaint narrative:
Its effecting my score n lowering my score with so much inquiries of things I never applied for .Remove off credit.

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