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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

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. 

Account name : XXXX : Account # : XXXX, All groups XXXX Account name : XXXX Account # 's : XXXX ) XXXX XXXX ) XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Original Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( XXXX XXXX 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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX never gave ( Equifax ), 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
was charged for NOT writing checks. Was told by Wells Fargo people at the XXXX XXXX XXXX FL office there would be no fees involved for having just a simple savings account with them. Being from out of state of FL and a winter resident only, I was trying to get established in the banking community in FL.

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

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. 

PLEASE SEE ATTACHED LETTERS.

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 is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was notified by the credit bureaus that there was a medical collection on my accounts which posted XX/XX/XXXX. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from XXXX. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.

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: Closing your account — Company closed your account
Company: COMMERCE BANK
State: UT

Complaint narrative:
Commerce Bank recently closed a credit card I have had with them for almost a decade without telling me. They did this despite always making regular payments on the card. I am current with this card, yet they closed the account without notice sent to me, and when I log into the online portal for this card, there is no indication whatsoever that this account was closed. They do not provide adequate documentation, notice, or have their website reflect what they do behind the scenes in secrecy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Few time trying to pay off had trouble with customer service. Finally able to pay off and never saw the title. Requested a few times but was unsuccessful.

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: AL

Complaint narrative:
Charged fees even though I had money in 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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by Wells Fargo XX/XX/ asking if I wanted to reduce my mortgage rate. They stated there would be no fees or changes they wanted to reward me for continuing to pay my mortgage ontime throught the XXXX  housing crisis. We agreed and they lowered my rate however they restarted my mortgage for XXXX yrs. This was not disclosed and I never would have restarted a mortgage that far into the loan. I lost all the equity since I had to pay the interest all over again.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Ive never had any relationship with Midland Funding LLC collection agency or original creditor. Since 2012, they have been harassing me for a debt that I do not owe them. Now 11 years later, theyre trying to garnish my paycheck for {$2700.00}, therefore causing hardships for me and my family. Theyre ruining my reputation by sending a writ of garnishment notice to my job. Theyre causing some serious problems in my life. I am tired of them bullying me by threatening to take my hard-earned money and ruining my credit. Theyre stressing me out. Eleven years of being harassed by them is way too long and according to Maryland State law this is illegal. Furthermore, even if I did owe this debt to the original creditor the statute of limitations on collecting a debt would have expired. Midland Funding LLC, INC collection agency needs to leave me, my family and my job alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo took out of my account double and I couldn't use ATM card alot of times my account was taking off savings and I would use my card and it was XXXX making it embarrassing when money was there fraud would freeze my account having to step back in line for purchase

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 — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Insuficient funds, overdraft fees, return checks 
 Too many unknown charges fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. 
I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX  bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. 
On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. 
I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. 
I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. 
On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.

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: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a client for welI fargo for about 4 or 5 years and i had to switch banks because i was constantly being wrongfully being charged a monthly fee when I had a checking account that if I used my debit card 10 or more times a month making purchases or ATM transactions that I would not be charged a monthly fee., i used my debit card at least 50 times or more a month, I was aways missing money and had unauthorized charges on my account, I would deposit money through the ATM ( cash and checks ) and would have to wait for a couple of days for my deposits to be available ... also about 4 or 5 months ago I went up north to New Jersey due to a family issue and when I came back wells fargo closed my account saying that my account was {$600.00} over drawn when I have not used my account in 4 or 5 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo charging incorrectly

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
Ive noticed on many occasions after looking at bank statement that the transactions are aranged to benefit the bank cause it would cause me to be overdrawn which bank would then charge overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Opened a checking account on XX/XX/2022 on behalf of my wife, who received an invitation to open such as a Citibank customer with an offer to earn a tiered bonus predicated on the deposit of funds. It was called the OOBTA Tiered Bonus Checking Offer. The offer code for same is supposedly # XXXX. We opted to deposit $ XXXX into the account and were given 20 days to deposit funds to earn said bonus and the money needed to remain in the account for ninety or 120 days in order to receive a {$700.00} bonus award. The account was fully funded on the XXXX of XXXX ( or the day after the account was opened ). The the bank has verified this on several occasions via telephone inquiries to determine my specific eligibility. I was assured on each such occasion that my eligibilty was concrete and validated. The money remains untouched ( $ XXXX ) and is still in the checking account to this day, more than six months after the fact. I was informed by Citi that the account would be credited with the {$700.00} bonus on XX/XX/2022. It was not. I called and made an inquiry as to the problem. I stated my case and they provided a reference number for my inquiry ( # XXXX ). They never responded. I was forced to call again. An 'expedited inquiry ' was formulated under the same reference number. Again, no response from Citibank. After several days I noticed an alert on my checking acount when I logged in. I read the alert which said that the bonus based on my opening the account a day later than the deadline. This was not the case and I appealed my case. After a 'back room ' inquiry regarding the account opening, I was assured by a manger on the phone that I was in compliance with both the date opened and the required deposit. An additional inquiry was initiated to the 'back room '. The 'back room ' now needed to find a different excuse to deny the bonus. And they did. Several days later another alert appeared on my account and I again opened the same to find out that I was again denied the bonus because the 'offer - invitation ' was directed toi my wife and not to me directly. The checking account I opened was a 'joint ' account with both my and my wife 's name. It refects all four Citibank credit cards that we possess as we are joint account holders in everything we possess that is 'Citi XXXX related! In my opinion this is despicable behavior for a major bank such as Citi supposedly is. I am embarassed for them as such and very embarassed in myself for trusting them to due the right thing. I hope you agree and await your reply in regard to my complaint. Thank you for your efforts on my behalf. Who knew I'd be safer in the hands of XXXX XXXX? Wow!

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: EQUIFAX, INC.
State: AL

Complaint narrative:
According 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 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-21 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: AL

Complaint narrative:
According 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 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was denied loan for Home long term coustomer Retired senior. For income Property, personal loans

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