vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I would like to get a charge off removed from my credit report called XXXX XXXX {$4100.00}

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've informed Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've informed XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First week on XXXXXX/XX/2023 -- -- making deposits small, nonetheless, my account was closed through email within first 10 day of 2023 Was willing to resolve -- -- account closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has charged me over XXXX dollars in fees for the past 5 years of being with the bank I don't think that's really fair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee. 

Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a XXXX  XXXX XXXX and was financed by Wells Fargo. When the vehicle got totaled the XXXX  coverage was never applied. Which resulted in getting put into collections. I made multiple calls, attempts and sent the XXXX  coverage paperwork even the dealership that I purchased the vehicle from did as well. 
Nobody could understand what I meant and always seemed confused. I explained over and over again that the {$500.00} i was charged off for was the negative equity but shouldnt be on my report due to me having gap coverage and should be covered they refused time and time again. Instead they sent my information to all 3 credit bureaus at that time when I tried to get a another vehicle and couldnt because they put me as late and into collections. I needed to pay almost XXXX % interest because of their error and needed to wait 7 years for the false information to be removed. Im entitled to the compensation from their negligence during this matter costing me thousands just in interest alone let alone everything else ( calling, complaining, disputing and getting no where and waiting 7 years for the false information to be taken off my 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One abused the fact that I wanted a unsecure credit card by placing XXXX hard inquiries on my report between XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally requesting with this CFPB Complaint to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. I am submitting this CFPB Complaint today to inform you that you are reporting a different information on my XXXX XXXX. You are presenting data on the account XXXX  XXXX XXX Opened XXXX. XXXX, 2019 XXXX {$0.00} that is distinct from that of other bureau. I always make my payments on schedule and this account has never been late. In your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is about Experian credit bureau. 

complaint # 1 Experian are reporting several different address and employers on my credit report. I wrote them many times over several weeks, with a copy of my current licenses, social security card and information with my current employer. Their responded by saying that they verified the address and employment with the furnisher. According to the FCRA they are required to let me know who the furnisher of the information is. They refused to give me that information. I only have one address and one employer. 

Complaint # 2 In my account summary, Experian are reporting an incorrect real estate balance and an incorrect revolving credit. 
Again, I wrote to them many times over several weeks and nothing has been done. What they are reporting is not my current real estate balance and current revolving credit balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been a Wells Fargo customer since 2006 and want to receive the settlement for erroneous fees etc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: 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 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: VA

Complaint narrative:
Company reported this problem does not belong to them ( XX/XX/2023 ) Company pulled 4 hard inquiries ( discrimination ) no reason for them to pull these requests at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Several times in a month have been charge for overdraft fees sometimes i put money for any upcoming payment nd when payment get claim they said theres no founds i also supposed to have overdraft protection nd for some reason the bank let companies get money for my payments without me having the founds there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We asked for help when my husband broke his foot and couldn't work, all of our creditors worked with us except Wells Fargo and they repoed our truck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Potential wrongful practices with mortgages. That includes charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo randomly replaced my credit/debit cards without reason TWICE, stating that the reason was " only for my protection. '' I pay most of my bills online and virtually changed all my accounts after the first time AND then had to do this again. What a total pain-in-the-ass. TWICE???? 

Furthermore, when my current card expires in just a couple of months, they won't renew that card number. I have to get a new one again! 

If I have to make a credit card return I am screwed because retailers won't accept a new card # for a credit to my account and I will be stuck with a " store credit ''. Wells Fargo screws me again. 

Just a couple of weeks again, they froze my account over a {$4.00} charge at know business that I use frequently and that " they felt '' was at risk. 

They do this all of the time... if there was another national bank in Texas to use, I would change. Sadly there isn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it XXXX concern, EXPERIAN is knowingly and willingly defaming my character by furnishing inaccurate information and without my direct written consent. They are damaging my XXXX as well my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
was charged to much finance when i finance my XXXX of my Car and other car i pay GAP on my other car and i pay out of pocket gap didnt cover

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The follow information should, but does not, accurately paint a truthful picture and such consumer reporting fails to meet the " Maximum possible accuracy '' standard. My understanding is that I have the right to a fair and ACCURATE report, based on this understanding, the following data is reporting inaccurately and needs to be removed immediately. 

Address - XXXX XXXX XXXX XXXX XXXX AZ, XXXX Experian Accounts - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiries - XXXX Credit / 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
R car has a XXXX balance of late fees that we aquired durin covid and we paid for gap and no one told us that the loan was done so we lost all the gap money we were owed. We have asked for them to waive that XXXX and give us the title to the car and they wont they said we have to pay they was gon na talk to someone higher up but they just keep playing games. Durin covid we struggled and when our loan was paid all we owed was late fees which they said they waived they lied. I want my title and the gap money we r owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On or around XXXX concerning a mortgage with Wells Fargo, I made a payment in the bank and my teller was Virginia, but they said they did not receive it. Wells Fargo made my life a living XXXX for over a year while I was trying to get them to understand. For some reason, they credited my checking account and did not put forth the payment against the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
MUltipule times card was denied, also charged fees
 Finally went to bank elsewhere

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Been a member with Wells Fargo bank ( checking and saving accounts ) since XXXX- presently. I'm following up regarding the {$2.00} billion class action lawsuit. I have not received the {$100.00} repayment. Please let me know regarding this matter. 

Thank you, 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