vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: AZ

Complaint narrative:
In XXXX of XXXX our account was negative XXXX because Wells Fargo took money from our account. This put us in a huge financial burden. They took money that wasn't even in there. So when my paycheck was deposited it was gone. I made multiple phone calls, sent emails, and to tried to resolve this. They refused to even try to work with me. They took a few overdraft fees off, but that didn't help what they did when they took money from our account that wasn't there. They stated it was from the stimulus and we owed it. The sent a letter a week before. Tht is not enough notice and we never signed or agreed to any of this. I called before they even took the money out and asked if we could please arrange something. They said they knew nothing about it. Then the next week took it out. When I called again, they said they could not do anything. We had to take out personal loans to get by because of this. This ended us costing us so much.

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX  my XXXX XXXX home foreclosed on a XXXX mortgage ( elac ) that was taken out from Wells Fargo. The property was sold by Trustee at public auction. The deed was transferred to highest bidder. Ever since then the first mortgage ( held by Wells Fargo ) was never taken over and still till this day is still in my name being paid by new owner. I have spoken to lawyers, Real Estate Agents, OCC, CFPB, and Wells Fargo as well to get this problem resurrected to no avail. These processes have taken countless hours over many years to try and resolve.

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 2023-01-20 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: CA

Complaint narrative:
The creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX Balance : {$260000.00}

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 explanation
Consumer complaint received 2023-01-20 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: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An acct was opened from a business partner and put the account in my name and then over drafted the account tremendously. XXXX XXXX was the business name. In the end of XX/XX/XXXX thru XX/XX/XXXX. I have not been able to open another acct with wells Fargo since.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

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 2023-01-20 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
Wells Fargo bank always allows companies into my account even when I didnt authorized them to take no payments.

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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
-Money transfer of {$1500.00} via direct deposit to family member 's savings account in XXXX XXXX on XX/XX/2023, via MoneyGram XXXX XXXX XXXX XXXX XXXX CA XXXX 
-Told by MoneyGram to expect money to be delivered at the latest by XX/XX/2023. 
-XXXX XXXX, 2023, XXXX XXXX time, money not delivered. 
-Family member in XXXX has gone multiple times to her bank and no evidence of transaction in process. 
-MoneyGram informed me that investigation opened with case # XXXX and will inform me once item resolved, but it may take up to 90 days. 
-I have sent money, via direct deposit to same family member, into the same savings account, in same bank for years, via other companies and have never have had this issue... ever. 
-Went to XXXX XXXX XXXX who processed wire transfer and she called MoneyGram as well and they could not give her an answer as to what happened. She cautioned me that this is very unusual and to stay on top of it. 
XXXX XXXX XXXX unable to refund me money since it was direct deposit to bank. 
-I have called every day and get same answer : under investigation, may take up to 90 days : meanwhile I am out {$1500.00} and family member could not pay XXXX XXXX on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX  credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday afternoon, watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by XXXX XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an XXXX credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by Experian stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at XXXX online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account with Truist bank and after opening every time I made a deposit they put 2 and 3 week holds on my deposits causing payments to overdraft my account. I was not told this upon depositing but received a note card in the mail 2 weeks later. I called to get it taken off and they said no one could do that and they had the right to do this to anyone at anytime. This happened before one of my many surgeries and I had no way to pay for my medications. I even sent proof that these checks they had a hold on had already cleared the banks the checks were written from and the money was there but they still held it for weeks. After the hold was lifted I had to call back and dispute the overdraft fees. I got them returned one time after this happening numerous times.

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 2023-01-20 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: IL

Complaint narrative:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$660.00}

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 explanation
Consumer complaint received 2023-01-20 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: NC

Complaint narrative:
In accordance with the Fair Credit 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  Has violated my rights.

15 U.S.C. 1681 section 602A 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 7 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 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 non-monetary relief
Consumer complaint received 2023-01-20 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 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 Has violated my rights.

15 U.S.C. 1681 section 602A 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 7 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo sing XXXX  has been charging me fees for Atms that I was not supposed to be charged and overdrafts fees when money was in savings able to be transferred over to checking to cover and was not done

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
Please refer to complaint XXXX XXXX " closed ' and the feedback provided. 

This remains open to me. Neither the bank nor XXXX will provide me with any proof of having wind insurance at mortgage origination. 

Now Homepoint ( my first loan servicer ) is sending me harrassing letters, saying I have a current loan with them requiring wind insurance. I learned that Homepoint is owned by XXXX. And both think they are servicing my mortgage ( however XXXX is the servicer ). 

I do not understand how this complaint is closed and welcome a phone call to better explain this situation. email XXXX or cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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:
The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}

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 2023-01-20 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: CA

Complaint narrative:
The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
I am intrested In disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Not depositing checks on time giving fees overdraft

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 2023-01-20 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: TX

Complaint narrative:
XXXX and Transunion are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all 3 credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that XXXX or Transunion conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. Transunion also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that XXXX and Transunion follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit 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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To whom it XXXX concern, In 2008, as a XXXX XXXX member, I purchased a fairly new XXXX XXXX, I'm XXXX, CT. I was late by 45 days due to being military duties. My vehicle was repossessed during the evening while I was sleeping. I asked the company if I could get my military documents from the vehicle, and they told me that I would would be charged {$75.00}. I contacted Wells Fargo XXXX days later and told them that I could pay to get the car back and update all payments. I was told that the vehicle sold already. 
This went on my Credit Report for almost a year as I fought to get it removed. Wells Fargo contacted me and told me that my vehicle shouldn't have been removed from my possession, and should not have been sold so fast.

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 2023-01-20 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: IL

Complaint narrative:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WF froze my checking account due to problem with a suspected fraudulent deposit to my savings account. All my funds were frozen & WF even terminated my credit card account with them. I was not at fault for the issues I was having and they WF, terminated myover 15 years banking relationship

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