vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
After XXXX years of being jobless due to health problems, I saw an advert for a XXXX Data Entry Position ( work from home ) and I applied. I was scheduled for an interview and offered the job, which I was so thankful for! I was then introduced to the XXXX  personnel named XXXX XXXX that she will be my trainer for a week and help setup my home office! First, she sent me a document introducing the XXXX XXXX XXXX XXXX XXXX XXXX and the list of working materials I will need to do my work! She then explained that the XXXX XXXX has a certified Vendor and an agent who will help setup my XXXX, XXXX and other machines and software at my house after he had installed the software & inscribed the XXXX ' XXXX logo on them. On the XXXX day she asked if I had a bank account in order to drop in a check for the materials for the sake of time and I said yes! She later sent the XXXX & XXXX checks in the amount of {$XXXX} each, which I deposited at Wells Fargo! I thought the checks were genuine or even if not, the Bank will find out! Surprisingly, Wells Fargo cleared the checks and I deposited the cash where she asked me to, for the agent to pick up and make the purchases! At the end of the day, even though I had found out the Company to be genuine and the XXXX XXXX as the XXXX, the checks were fraud! Wells Fargo claims they trust me and that is their reason for cashing the fake checks in XXXX hours instead of making sure these checks pass through their system to determine they were genuine- so as to protect their trusted Customer as they claimed! They claimed am in the wrong and they have ceased my only funds I have to take care of myself to cover their loss! Their decision I believe is out of shame for not being responsible enough as a bank, because if the Bank CAN NOT identify a false check - how much more me- with NO experience or gadget! They referred me to their deposit account agreement- but on page XXXX, Wells Fargo admit having an XXXX  Fraud filter and XXXX XXXX XXXX in place to protect her customers! How come they failed to use them to protect me remained unanswered! 
In conclusion, I am appealing to your good offices to please intervene in my behalf and advice Wells Fargo to restore my account with my {$XXXX} immediately because I am NOT a thief, had NEVER stolen anyone 's money or property in my soon to be XXXX  years of life! Besides I have all documents including a police report to proof my innocence! 
Thank You Immensely and look forward to your intervention!

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 2023-02-01 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 believe that I may have been charged overdraft fees or insufficient funds fees illegally by Wells Fargo between XXXX and XXXX. I called Wells Fargo to discuss this and they said they could only review my account over the past 180 days. I asked if they could tell me what fees were charged in the past 7 years and they said I would need to file a complaint.

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 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting two different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This company reported a bunch of rent owed after I vacated the unit due to losing my job during XXXX in XXXX of XXXX and needing to relocate. They were notified of my vacancy and I made several attempts to provide a sublet individual to take my place in which they would not qualify those individuals based on credit. ( Its a college town ) XXXXXXXX XXXX. I moved to XXXX the same month of XX/XX/XXXX and began working a new job and renting from another apartment complex in XXXX. Not until XXXX XXXX this apartment complex in XXXX XXXX XXXX reported this debt to my credit out of nowhere.

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 2023-02-01 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: NC

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  XXXX XXXX - account number- XXXX XXXX  XXXX - Account Number- XXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX  XXXX XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX, XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX- Account XXXX XXXX XXXX Account Number 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Bought a new home XX/XX/XXXX. Our mortgage was bought by Wells Fargo. First payment was due XX/XX/XXXX. We set up for a autopayment to be mailed from our bank XXXX. They mailed a check for the mortgage amount to a local branch in XXXX  XXXX, XXXX XXXX month later we received a call from Wells Fargo stating they are attempting to collect a debt. It was for missing a payment for XX/XX/XXXX. Did investigating on my end and located that the check was indeed received, however an individual of the XXXX XXXX location endorsed the check and deposited it into a business account. I collected the image and explained to the customer service individual this happened. they created a inquire on my behalf on XXXX XXXX. On XX/XX/XXXX, I went to the XXXX location in XXXX XXXX GA to gather a copy of the check as well as to confirm that the check was deposited. This is due to a call that was received from Wells Fargo. They stated they did not have the check and that we needed to pay. They stated they had no proof that this was deposited and it was our bank ( chase ) was responsible to gather that money back. On XX/XX/XXXX, chase put in a appeal but unfortunately because it was deposited there was no way to gather the money back. we continued to get harassing calls daily from Wells Fargo asking for the money for the mortgage. I continued to send documentation to support that the money is there but in someone else 's account. I ended up reaching out to the business that had our mortgage money in XXXX XXXX the business confirmed they had the money but also wanted to confirm the check was deposited. we send over the documentation to the business. we then received another call on XX/XX/XXXX stating again they were collecting a debt. they still came back mentioning they can not go into someone else 's account without their consent. even though we gave Wells Fargo the business contact to reach out to them. they declined the information. they have threatened to hurt our credit as well as send us to collections. this has been on going monthly and the harassment has been ongoing. they have not helped and do not listen. they close out complaints without actually using the information provided. we are worried our credit will be hurt, we will be sent to collections and possibly lose our home.

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 2023-02-01 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: NC

Complaint narrative:
Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to Equifax, XXXX and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transuinions process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. 

It states in 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unable to make a XXXX  or a transfer outside the country, also they have close my account without any reason in 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 2023-02-01 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
XX/XX/XXXX Spoke with XXXX XXXX last month about an issue with them reporting XXXX account to my credit file with the same information. they advised me to dispute it with XXXX which I did last Mon XX/XX/XXXX. XXXX updated the accounts they stated that they valid. I'm like how is a account that reports the XXXX accounts with information the same valid. Spoke to XXXX XXXX this morning she stated that the last time XXXX sent in a request form information was XX/XX/XXXX XXXX so here is the issue. XXXX XXXX XXXX is straight out not telling me the truth or XXXX is doing what they please. I called XXXX this morning after i spoke to XXXX federal, They told me that's what XXXX XXXX reported. I turned around and told XXXX how is that possible if XXXX XXXX told me this morning the last time you requested information was XX/XX/XXXX. So here we are and no one not XXXX XXXX nor XXXX what to take responsibility to passing the hot XXXX  and destroying my credit and my life. This has me very very stressed cause now i received a report last week dated XX/XX/XXXX from XXXX and no they have XXXX of the same accounts reporting on my credit file and neither XXXX federal can explain nor XXXX explain and no one want to fix my problem. So what is a person to do but file a complaint and have XXXX federal stop sending multiply reports to XXXX or have XXXX do what they so please to do without any authority from XXXX XXXX, some one has to be held accountable but it is not me. Its not fair and its not legal on what XXXX XXXX and XXXX are doing to my life and nerves and the level of stress is amazing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
I bank with Wells Fargo. Countless times my account was hacked, changed debit cards, unauthorized money was taking out x amount of times. I even had to pay my own money to do stop payments which are charges of {$31.00} dollars. Wells Fargo is horrible with security. I was made to have overdraft charges due to these instances. 

Then I was forced to changed bank accounts more than once and occurrences still happened. Even last year once my tax deposit got sent into my account I was hacked. How is this not questionable?!

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: ADP Inc.
State: TX

Complaint narrative:
I recently filed a dispute XX/XX/ I had XXXX taken out my account I was told I could be provided with a provisional credit in which it says on their site that it will be provided if they investigation takes more than 45 days. Well here I am about to be homeless and my lights are already off. Because they said they denied the provisional credit and their investigation takes till XX/XX/XXXX! Wisely has officially lost my business and any ongoing problems from this day forward they do not care about their customers I have emailed and called and called and called to no avail everyday asking for an update. And nothing! Thank you WISELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
In XXXX of XXXX, I qualified for a Modification of my loan. I accepted the offer and signed and had the agreement notarized. I returned the documents before the deadline to accept. A condition of my modification was that I pay {$XXXX} down payment by XX/XX/XXXX. I was required to pay by certified funds and mail the funds to the XXXX. I was told that I could not pay over the phone or through a wire transfer from my bank. I sent a {$XXXX} XXXX funds check to the XXXX using XXXX XXXX  day delivery. It was received on XX/XX/XXXX at XXXX. I have the confirmation from XXXX. I was told that the XXXX was behind in processing the check and to give them a few days to have it applied to my account. I continued to call every other day to make sure the funds were received. I was then told that they could not be found and my modification would be cancelled because I did not pay. I sent in proof of the check and the XXXX confirmation. I was then told that the check was received but because I did not put my loan number on it that it was sent back to my bank. I asked for the address where it was sent and I was just told back to Bank XXXX XXXX but no address. I have been calling the XXXX about the check every day and I am told the same thing. It was not sent back to my address which was on the envelope return address. The cashiers check did not have an address for Bank XXXX XXXX. All the XXXX 's cashiering department will tell me is that it was sent to Bank XXXX XXXX but they don't have an address to give me. I have gone back to my bank and they tell me that they can't cancel a cashier check for XXXX  days. I don't know what to do. I don't want to lose the modification or my {$XXXX} and I can't get any information from the XXXX. I am asking for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: GA

Complaint narrative:
Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and d 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