vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: MI

Complaint narrative:
Wells Fargo would charge me outrageous overdraft fees when I called and ask to waive them they would say the couldnt also my account was had a couple of unauthorized charges and they gave me a provisional credit but as soon as it was applied they would reverse it and my account would be overdrawn

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 2023-01-28 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: CA

Complaint narrative:
Hi, I have banked with Wells Fargo for over 30 years for business and personal and my business accounts continue to get hit with substantial fraud, and we are well over several hundreds of thousands of dollars and it might be over half a XXXX. I have been working with the bank since XXXX and I am getting no where. They initially debited back my account for some, but then stopped. We have closed the accounts and reopened new ones and it continues. In this process I have seen some serious internal control issues with Wells Fargo, including allowing the EXACT same ACH that was flagged as fraud approved and taken out of my account that was on the previously closed accounts. 

Their controls are so poor that they also allowed an ACH transaction that was fraudulent that was above my daily ACH limit by a large amount, so it should have never gone through based on the daily limit! 

I am going to lose my business any day now because of it as we dont have the cashflow and working capital to cover the fraud until its credited back.

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 2023-01-28 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: CORELOGIC INC
State: GA

Complaint narrative:
XXXX has compromised my credit rating by allowing negative information to remain in my credit pull profile.

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 2023-01-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 UNDE

R 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.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: GA

Complaint narrative:
I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID XXXX DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I submitted a complaint about Golden one credit union, report # XXXX open case, I tried to remember all the unfairness I want to also mention the excessive fees that went along with all the charges from the Landlord unauthorized amounts the bank gavith then took it back all the over fees of {$30.00} each over the limit because of no fault of my own. I sent you the proof through mail the complaint was online the bank transactions statements shows all excessive fees that really killed me. please add to the complaint Thank you again for helping me. I am disabled and on a fixed income the unauthorized transactions all the fees left me in RED litterally. im so stressed out upset worried.

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 2023-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
i have been forbidden to ask of the results of the MAP program applied XXXX XXXX with Mr Cooper, by the attached email so I wanted to see if CFPB can help the title company that is helping me to keep my house or buy it from my XXXX, so that there is no unnecessary foreclosure. I paid the payments is just that the payments were misapplied and did not register for the last 100 months as per the prior attorney represented to the judge. The XXXX were sent to the bank by XXXX XXXX  so applying those the foreclosure could be resolved or even my mom can sell thehome to me, as I already am approved by another bank for XXXX which is more than the original loan was for, andconsideringI paid during the pendency of the trial until XXXX, the loan could have not gone over the original ammount even if it were an interest only loan. We are trying to keep the home we lived in for the last 15 years and have paid for 13 of those years until the escrow company stop allowing us to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

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 2023-01-28 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: CBC Companies, Inc.
State: GA

Complaint narrative:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-01-28 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID 2 DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I was charged over draft fees by Wells Fargo when the money was available.

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 2023-01-28 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: NY

Complaint narrative:
In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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 2023-01-28 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: NY

Complaint narrative:
In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.

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 2023-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.

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 2023-01-28 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc.
State: AL

Complaint narrative:
At the moment all I can say is that I know who ( which ) Nonprofit community organizations in XXXX XXXX Al XXXX help me with my HOMELESS ESG XXXX PANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK THOUSANDS OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS SOO MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, cuss and destroy distract destruct destruct. This has been going on since XXXX - XXXX ( {$550.00} Wkly at Red roof inn room # XXXX XXXX, XXXX  ( as my caseworker XXXX XXXX XXXX XXXX XXXX, XXXX  ) IN KAHOOTS WITH ARCH ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX of 2022, my account was frozen over a fraudulent deposit that wasnt fraudulent with Wells Fargo. I havent had anyone reach out to me about the settlement nor have I been able to reach any one about the settlement. Please advise me on how to proceed. I was informed to file a claim with CFBP if I havent heard anything.

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 2023-01-28 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: CA

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  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 XXXX 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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
First incident was when I received a charge for a service I was not enrolled in on. I reached out to the fraud department and showed evidence showing that my current account with the same company wasnt responsible for the charge but they still ruled the charge my fault on XX/XX/05. Im also experiencing issues with receiving money back from merchants such as refunds and from pending charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I call the company ask the for XXXX think never received them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My husband passed away XX/XX/XXXX. In going through his papers, I discovered a Certificate of Deposit that he had purchased on XX/XX/XXXX, ( attached ). I am his executor and beneficiary ( part of will attached ). The CD was issues by XXXX XXXX and XXXX XXXX of Maryland, XXXX, MD. I mailed a packet of information to an address I found on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was unable to deliver and returned the the packet to me. I telephoned banks with similar names, but none acquired this particular bank. I heard a presentation by XXXX XXXX, Consumer Protection Advocate for the District of Columbia Department of Insurance, Securities, and Banking, XXXX. His office discovered that the above bank was ultimately in the hands of Truist Bank and suggested that I contact XXXX XXXX, Truist Bank, XXXX XXXX XXXX, XXXX XXXX The Maryland State Unclaimed Property, XXXX -- XXXX and The District of Columbia Unclaimed Property Unit, XXXX. I contacted al three on XX/XX/XXXX. XXXX XXXX told me that there was no CD under my husband 's name and that they " no longer hold that relationship. '' Any unclaimed proerty would have been sent to MD or DC Unclaimed Property Units. The DC unit emailed me a letter ( attached ) stating that my husband had no unclaimed funds. The Maryland unit tols me the same thing.

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