vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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:
I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: IA

Complaint narrative:
I have included information regarding a fake fraudulent company by the name of XXXX. Unfortunately I was scammed out of my lifes savings ( {$300000.00} ). They did their business through East West Bank in XXXX XXXX Ca. and I spoke to the fraud department via email and they basically said to bad we can't help you. I did my best to perform my own due diligence as you will see by the information that I will be submitting to you. This all started in the middle of XXXX and after my account was drained at the end of XXXX. I don't believe that East West bank knew who they were or what they did regarding their business or they simply didn't care and that's how I see it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX ( in XXXX, CA ) on XXXX XXXX, 2023. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Around XX/XX/XXXX there was a mix up in my checking account, resulting in an NSF for our mortgage payment to NewRez XXXX XXXX. Again in XXXX, as we were trying to sort out the checking account mix-up, there was a XXXX NSF. As a result of this, NewRez revoked our XXXX accessibility and told us that we would be able to set it up again after 6 months of on-time payments. We completed/fulfilled this. On XX/XX/XXXX I reached out to XXXX  to request the ability to setup XXXX  again online. They responded on XX/XX/XXXX that the XXXX XXXX had been removed and I could establish XXXX again online. After trying a few times in XXXX, I gave up and manually made the payment for XXXX. On XX/XX/XXXX, I again attempted to setup ACH, however, it still indicates there is a block. I sent another message that day. However, a few days later I received no response and still dont have the ability to set up XXXX. I again sent another message on XX/XX/XXXX, however, I have still not received a response from them regarding this issue. NewRez has made it extraordinary difficult to make payments online, pay fees associated with the NSF/late fees, in a way that I feel is predatory in nature. As it stands now, Im still not able to establish XXXX, even though I was told a month ago this was unblocked for me and I have not received any responses to my follow-up messages. 

I then filed a complaint with CFPB on XX/XX/XXXX regarding this situation. I received a response on XX/XX/XXXX, indicating that they have " Restored access to enrollment in automatic recurring payment plan. '' After making my XXXX payment on time, I logged in to the website today, XX/XX/XXXX to setup automatic draft payments. However, the website still gives me this message : " We are sorry, but we are unable to accept recurring payments from you at this time. '' This is extremely frustrating that the company on multiple occasions has said that they have restored automatic drafts but not in fact done so. I would like to see this escalated back to NewRez and have a supervisor that can handle this take a look at the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They closed my account but added accounts I didnt contest too

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a letter in the mail saying I was gone be receiving a check to address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I haven't received 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 2023-01-23 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: CA

Complaint narrative:
I don't have specific dates but on multiple occasions i would have to call into the call center and speak with customer service followed by a supervisor who would " Help me out this 1 time '' as they would say never knowing that i was in default.

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 2023-01-23 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: NC

Complaint narrative:
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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}

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 2023-01-23 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: CO

Complaint narrative:
I recently in XX/XX/2022 sent Equifax a letter to have them investigate an account that is on my credit report and is reporting inaccurately. I included a letter from the creditor that was sent to me stating they had requested removal of this account. 

I have not received any notification that Equifax even investigated this item nor have they removed it. 

I've included the copy of the letter I sent to Equifax and the letter that the creditor sent showing the account was requested to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: LA

Complaint narrative:
My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

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 2023-01-23 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: LA

Complaint narrative:
My XXXX XXXX account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: LA

Complaint narrative:
My XXXX XXXX account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

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 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I never received assistance with errors on my accounts and was denied information on products when I had XXXX accounts and over {$100000.00} in those accounts. I also previously had issues with a mortgage with Wells Fargo.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was an insurance check deposited in my account. Wells Fargo threw up a red flag on the chat instead of them, contacting me and trying to exalt the problem. They close my whole account checking and savings. It was a bad report on my credit history, and it was not even my fault. closing my account and not allowing me to fix whatever the problem was or the company to fix whatever the problem was my account was closed. Money was took from 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I wish to be included in the Wells Fargo settlement created as a result of the CFPB complaint. I had a Wells Fargo mortgage and was repeatedly denied a modification. 

Due to a financial hardship I requested a mortgage modification. I was denied the modification based on my mortgage type " not being able to be modified ''. I was then invited to reapply a number of times for a modification that could not be done, according to Wells Fargo. Each time the modification was denied for the same reason. 

I have since learned from a legal consultation that the mortgage could be modified, but was denied based on an arbitrary and not financially-based decision. 

Had I known that the mortgage could not be modified I would have taken other actions to avoid foreclosure and an adverse credit rating. 

My property went into foreclosure and was sold 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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: LA

Complaint narrative:
I am writing to dispute the following account with Automated Collection Services , Inc. ( ACSI ) ( Account number : XXXX ). This has been an ongoing issue. Years back, the original creditor had confirmed that this debt does not belong to me, and removed the account from my credit report. I am not sure what happened, but later on when they sold the account, it popped back up on my credit report. I am assuming that the original creditor did not disassociate my personal information with someone that had the same name as I do, or whatever the case was. This account does not belong to me! Please see the attached document, which is a letter that I wrote to the company, as well as my XXXX credit report. It has been significantly more 30 days since I began my dispute with XXXX, and they have not updated the dispute status. It still reflects " account information disputed by customer ''. To this day, I do not see any resolution comments. Furthermore, I also have no idea why this item is reporting as an " open account '' when it is a collection! Please have ACSI remove this account immediately, and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Had an account with Wells Fargo. I was constantly being charged saying I was in an overdraft.I was charged XXXX  for bills that was paid.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was being charged extra for not using my debit card a certain amount of times in a month

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 2023-01-23 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: TX

Complaint narrative:
Hello Im missing {$500.00} atm didnt give me the money usually I wouldnt be upset things happen but on this date XXXX XX/XX/2022 I made atm withdraw at wellsfargo and atm never gave me the money it took it from my account Ive been on the phone with them about 15 times since then and nobody still can tell me when Im going to get my money its about to be 30 days as of tomorrow and I still havent gotten my money bank manager knew atm was messed up they never called it in they continued to let people try and use it at this point I just want my money back I have bills to pay and now behind and its because they did t do theres job if the manager would of called the atm in as having issues they would of marked it out if service

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 2023-01-23 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:
I don't remember the dates, but I do remember the overdraft and the save as you go feature that transfers money from my checking account into my savings account was not accurate. However I did not call Wells Fargo to complain, NOR did I complain about an overdraft charge I paid, I just let it slide because I like Wells Fargo. I figured they would correct it on their own, but I came across this article today and decided to address my issues this way to correct the problem.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
They took XXXX  & closedown my 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2023-01-23 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: KY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: KY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation