vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: PA

Complaint narrative:
I received notice that my checking account was negative {$4000.00}. Upon checking the withdrawals, the bank took {$4400.00} out of my bank account for " returned deposited items ''. We called the bank to verify and we're told they could not do anything until the transaction processed because they couldn't see why until the process was complete. I contacted the bank as soon as it was no longer pending in my account and was told that they could not find the item the original deposit of the item that was returned to them. The checks that were supposedly were deposited were not deposited into my account nor should I have received any checks for those amounts. The bank has told me on multiple phone calls they can not see the transactions to give me any answers as to why this happened and are not refunding my money when they clearly can't find the transaction of the deposit to show it was not 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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXXXX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX Was called by XXXX XXXX XXXX saying to call XXXX with a reference number. 
XX/XX/XXXX I called XXXX twice and received no answer. 
XX/XX/XXXX I called XXXX and no answer. 
XX/XX/XXXX Received another call from XXXX, same person, asking if I had called XXXX. I replied I had and no answer. Woman asked that I call again. I asked why cant they call me if she has my number. She replied yes and asked me to call the above number. 
XX/XX/XXXX I called XXXX and spoke with a XXXX XXXX. She said I owe {$5200.00} from a bank account in another state I lived in from XXXX that was reported in XXXX. Said I was mailed a letter 40 days ago. Informed her that I never received a letter and asked to be sent another or if I could get more details because I have no knowledge of such a debt. She said only XXXX chance is given and then it goes to court. Said this would severely damage my credit and that a lien would be placed on my house. 

XXXX then offered me another option : to settle for {$2500.00}. This offer was only available if I paid it today, at that moment. I replied that I cant make such a decision with no information. She replied that I would receive the information in court after I was served. 

The tone was polite, but the content of the information was very threatening. I am being threatened with being served, going to court, being sued for {$5200.00} or more, having my credit ruined, and having a lien placed on my property unless I pay {$2500.00} right now without any information other than a letter having allegedly being sent to me 40 days ago about a supposed debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not give written consent to report this on my 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 2022-10-26 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: FL

Complaint narrative:
Bank is in violation of court order by issuing checks in the deceased name. Checks should have been made payable to the estate or to the spouse as clearly stated in the court order. All necessary information was provided including death certificate. After making multiple attempts to rectify the situation by visiting the bank in person and making several phone calls to the same branch the same representative instructed the spouse to sign the checks and write deceased on it which is in direct violation of the court order.

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 2022-10-26 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:
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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.I 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 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Four Directions Lending LLC
State: NV

Complaint narrative:
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022, for the amount of {$200.00}. More than 60 days after, I requested that West Side Lending stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
I have written Transunion over 5 times and they continue to lie stating XXXX XXXX Georgia has verified the information was accurate. I received another letter from Transunion dated XX/XX/2022 with an update from my dispute through CFPB. The letter has the SAME LIE FOR THE XXXX TIME FROM TRANSUNION AS BEFORE stating XXXX XXXX Georgia verified this inaccurate information. 
It is apparent the previous lawsuits against Transunion have not taught them a lesson and more should be filed. 
Transunion has added a bankruptcy to my account showing a filed date of XX/XX/2022. Transunion continues to add unverified bankruptcy information to my credit and breaking the law when it comes to credit reporting steps and verification of information that they place on my credit I have called the number Transunion has listed for XXXX XXXX Georgia and I also received correspondence in writing from XXXX XXXX Georgia that stated this was never reported, verified, or discussed by them to Transunion or anyone else for that matter. I have sent this with my dispute several time and spoken to Transunion on many occasions and they just start the dispute over cause me more time and stress. Transunion is the only bureau reporting this inaccurate information and continues to lie to me and prolong the investigation causing detrimental results to my credit report, loss of points with my fico, anxiety, mental and emotional stress. I believe it Is time to speak to legal cancel concerning this matter.

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 2022-10-26 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: KY

Complaint narrative:
I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately 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  Fraudulent accounts 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

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 2022-10-26 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: KY

Complaint narrative:
I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX  XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ky XXXX Fraudulent accounts XXXX XXXX XXXX opened XX/XX/2022 XXXX  XXXX opened XX/XX/2022 Inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
When my adjustable rate mortgage adjusts due to the change in the interest rate, the Mortgage Company unfairly and inaccurately calculates the new payment. They do not adjust the payment to reflect the new interest rate. They adjust the new payment to where the mortgage will never be able to be paid off. 

I am certain that I have over-paid Mr. Cooper in interest by tens of thousands of dollars over the past 15 years. I would like that overpayment of interest refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
My name is XXXX XXXX XXXX and I currently have a Macys American Express charge card. On XX/XX/XXXX I was charged {$10000.00}. XXXX without my consent nor approval. My minimum payment was charged on XX/XX/2022. I called immediately after finding my debit card was charged 2 times by Macys and they apologized for the error on their end. They told me it would take up to 8 days until I received credit back to my account. I have my mom taking XXXX and under going XXXX XXXX but this charge took me by surprise. I understood that this was going to be fixed and nothing further was needed. When I took my mother to her appointment 3 days later, to buy her meds and apparatus for my home I find out the another payment was taken out. I called immediately to get the issue resolved and they gave me the same answer. As Im getting ready to refinance my house to make sure I have enough funds to help my mom battle XXXX, again other payment was taken and I was rejected for a refinance. I had to take a loan because Macys took over {$31000.00} in XXXX month and handicapped me to buy her supplies. Im heartbroken that I told my mom to wait until I cleared things up. I have called numerous of times and now I have to continue to wait. I wanted to go to contact the press with this and hire an attorney but I have hopes you guys will make things right. My work check was bounced back, I cant transfer funds to my account because of the huge amounts being taken out, and now I cant refinance my property with this unjust statements showing me in the negatives. This has caused me disciplinary actions at my Job, Im forced to take FMLA due to the time I had to take to settle this issue, my mental health is not there and I dont know why this is happening all at once. Can someone please call me XXXX or email me at XXXX? I wont be back to work until next month because of the FMLA. This is unfair and unjust. My Macys card has AMEX printed in the bottom and Amex would not treat people this way. LAST XXXX of my macys American express card is 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 2022-10-26 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I did not give written consent to report this on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not give written consent to report this on my 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. 
According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Robin Hood hasnt verified where my money went. They continue to lie by saying my disputes are out of their hands when I didnt receive full credit for returns. XXXX XXXX, XXXX, or pay fees that werent in our terms and conditions. Ive reach out several times. However, they still continue to direct me to the app even though they closed my account for suspicious activity, which makes perfect sense given the fact I sold all my stock. The app has never protected my identity, they sold my stocks for more than the actual price and refuse to provide a written explanation. Ive tried everything except legal action. They owe me money and need to pay it back. None the less, they shared my personal info with XXXX parties, all of which wasnt my consent. The damages cost nearly {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through PayPal I click that option when I get redirected to PayPal I could either use my PayPal card balance or add my banks debit card to my PayPal account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the PayPal website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought PayPal wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from PayPal. so I dont have any credit. I have a clean slate. If I new it was a credit card application XXXX wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling PayPal customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call XXXX  XXXX and tell them to put it ask fraud because they cant find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX  XXXX Account # XXXX and XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States that I have a rights to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish a account without my written instructions

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