vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/17 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between the opening of my account to current I have had multiple issues with excessive fees, overdrafts ( when I have alerts for over draft ), and when account overdrafts they charge more fees. I have disputed this multiple times with Wells Fargo and nothing gets done about it.

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

Complaint narrative:
I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.

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: PA

Complaint narrative:
I am writing to report fraudulent charges on my report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
every day I have overdrafts, ( especially when the weekend ends ). if my account is overdrawn and I am aware of it, I transfer money myself to cover the overdraft as soon as I know it, but still overdrafts appear and they do not give me information about what they are ( sorry if it's a bit misspelled ) Thank you.

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: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Allowing withdrawals when I don't have the funds then chargeing me a overdraft fee, Holding my payroll checks for days before cashing then and overdrafting my account for service fees if I don't have enough funds.they always seem to find a way to take money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: PA

Complaint narrative:
I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.

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: PA

Complaint narrative:
I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In the year XXXX I got XXXX  and I could not make my car payments to Wells Fargo if I remember correctly it was 3 to 4 months they took my car away when trying to get the amount of XXXX to XXXX they told us that after a date limit they gave us 10 extra days when we had the money Wells Fargo took our car to XXXX XXXX we live in XXXX we complained because if they had given us the extra days they didn't care we had to get an XXXX there since we didn't have a car, this happened He never let me enter my account again to check if the payments were up to what I owed after that in XX/XX/XXXX I got sick again with XXXX  and they took my car again for one or two months that I did not pay after That for a month or two that I did not give or pay what I could, they took it from me and charged me more than a XXXX dollars when I owed XXXX, I even preferred to lose it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo account and credit card was closed with no information on why they closed it.. I. always paid more then my minimum payment on card and always before the date.. when I contacted them they would not give me any reason in why they closed. My accounts ..it happened about 8 years ago mayb more dont really remember dates

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were charged fees because we did not have a minimum {$2500.00} checking balance. The fees wereexcessing and we eventually cancelled the account and went to a different bank.

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: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX a criminal went to multiple chase branches with my stolen debit card in XXXX. They had a fake ID from XXXX  as well, and my mail was stolen when I was on vacation. This individual hacked my phone the same day and was able to change my pin number at the Chase branch They stole {$1000.00} dollars from a atm. The atm was located at XXXX XXXX XXXX XXXX XXXX IL XXXX a Chase branch. 

XXXX XXXX branch XXXX from Chase XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX was helping me with the fraud case. Chase denied it originally and it was re-opened twice and still Chase denied me all times. The branch XXXX also confirmed they had a fake id and changed my pin. 

I submitted a police report to chase showing that my mail was stolen, the credit alert proof of identity theft, and I submitted proof that I was not in the stat of Illinois at the time of the withdrawal. I was in Florida from XXXX and sent Chase my flight history. I asked if cameras were checked and they did not confirm but said I needed a subpoena. 

Essentially Chase had a breach when a bank teller let a criminal with a fake ID change my pin of the stolen debit card and then steal {$1000.00}. Terrible customer service from Chase as I was a loyal client who banked with them for 10 years and never had a fraud complaint before I told my story multiple times and they did not defend the client

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Wakefield & Associates sent a written notice of a medical debt owed. I responded by mail using a tear off from the original notice to request verification of the debt. They have record of receiving my request on XX/XX/2022. As of XXXX XXXX I have not received a response or verification of this debt. This debt collector did not respond within 30 days, however they are still attempting to collect on this debt. I received a notification via text on XXXX XXXX from XXXX stating " This is a notification from Wakefield * Assoc. a debt collector. Reach us at XXXX ''.

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: Paypal Holdings, Inc
State: LA

Complaint narrative:
I was promised for my money that I won from another app to transfer to PayPal, so I created a PayPal account so the money could transfer but now it is saying that I wont be able to get the money I won

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
When I pulled my credit report in XX/XX/2022, I noted that Comenity Bank had pulled a copy of my report. I sent them a letter requesting information about why they had pulled the report. I am a past victim of identity theft and found this to be the earliest warning sign that someone was using my financial information improperly. I wrote to the bank and it responded by saying that they had searched their records and found no business relationship with me and therefore would not have done so. I wrote back providing the bank with my social security number as well as the date that the report was pulled. They once again advised me that we had no business together and advised me to dispute this with the credit bureau. 
I am suspicious that they pulled my report for someone's fraudulent purpose. I want to know why the report was pulled and under which name. In the past my social security number was used with another name to fraudulently get credit. I am suspicious of that in this case. The first time that my credit was stolen I noted a similar action when my information was used to open an account with utility company. 
I am providing a copy of my credit report. Please refer to he section reporting soft enquiries as well as Comenity Bank 's responses.

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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened my checking account with chase bank in XXXX on XXXX XXXX and they abruptly closed my account without any explanation thus, keeping my funds

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 — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have an XXXX XXXX credit card through Commenity Bank. I am currently not using the card which carried a {$0.00} balance due for quite some time. Somewhere around XXXX an approx. {$2.00} -3 fee was added to the account that I wasn't aware of. I never received a statement for the amount apparently accrued late fees and eventually reported as more than 30 days late. I finally received a call from a representative about the charges. I told her that I was not aware. She, therefore, removed the two months of late fees and brought the account current. I have been working very diligently to pay al of my accounts on-time in effort to purchase a home. Although this may not have a major affect, I am requesting to have this late payment removed based on the information provided above.

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2022 contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XX/XX/2022 XXXX XXXX ( not authorized ) XX/XX/2022 XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for an IKEA credit card ( with comenity capital bank ). But I never received the card. Obviously, someone stole this card, open the card and made purchases for XXXX without my authorization. 
I tried connect with the bank 5 times. Still not get this resolved. I want to dispute the charge and recover my XXXX 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My edit card is supposed to decline transactions wher theyre insufficient funds. They keep posting these as negative on my account and then charge me {$35.00} overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient continues to call me using an auto-dialer even after advising them they do not have permission to call my cell phone with it. They are also harassing me with numerous calls a day. 
They are calling from XXXX Here is a list of recent calls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX calls in 7 days is excessive. Especially the daily wake up call

Company response to consumer: Closed with explanation