vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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:
TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are XXXX XXXX XXXX and Inquiries of XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Over draft fees and malicious closing of accounts

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Withdrawals came out of account before deposits were applied. I contacted Wells Fargo about this several times and they refused to fix 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife and I Bought a condo in XXXX and the mortgage was sold to Wells Fargo. In XXXX we tried to refinance and or take off the PMI. Wells Fargo under value the appraisal and would not removed the PMI. Further, they refused to offer us a lower interest rate. We ended up selling the condo in XXXX at a lost.

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 2023-01-23 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
COMMUNITY LOAN SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Open XX/XX/XXXX Status updated XX/XX/XXXX Balance {$250000.00} COMMUNITY LOAN SERVICE Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. COMMUNITY LOAN SERVICE have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
I am disturbed that XXXX, XXXX and Equifax continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
I am disturbed that Experian, XXXX and XXXX continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2023-01-23 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: IL

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX  ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-23 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: VA

Complaint narrative:
I had a business account with them for over 25 years and I wanted my account setup if the money was not in bank not to overdraft my account

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been a XXXX. XXXX for over 12 years. The {$35.00} overdraft fee has took it's tole. Sometimes would take 2 days or three days to repleanish funds. No ryhme or reason.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud. 
On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud. 
Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas. 
On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX. 
Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.

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 2023-01-23 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: MS

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Was a part of the Equifax Breech and all info exposed once again. Between Equifax and XXXX what a joke. The offer was a year of free credit monotoring. Thats all that was given in return of the breech. So use it and not a month after sign up then it is XXXX a month to monitor credit. What in the world. So all info exposed and then have to pay to watch it get exposed again with XXXX XXXX. Hmmmm something stinks! Havent recieved any compensation yet from lawsuit and know that its been settled. This company is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called and they said they would handle. I don't remember the date.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They closed my account when I told them their was fruad activity and never reburst my funding..

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX Credit Bureau, received two fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX  XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment OXXXX XXXX  claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide one piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX. 
I disputed this with XXXX but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX XXXX XXXX. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX, MD. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only one payment remaining. XXXXXXXX XXXX XXXX contacted all three of the credit bureaus and told them I was over thirty days late on my last payment. However, all payments to XXXXXXXX XXXX XXXX were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.

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 2023-01-23 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: MA

Complaint narrative:
Spring XXXX we were behind on payments we were able to catch up on all the past payments XX/XX/XXXX. XX/XX/XXXX my XXXX XXXX was repossessed without notice from Wells Fargo despite the account being up to date. We could not afford to get the car back from repossession due to the high fees the company was demanding. My car was then auctioned off and about {$1400.00} remained on my loan which went into collections. This repossession had a VERY NEGATIVE effect on my credit score and left me without a vehicle and jeopardizing my job. We were able to continue making the monthly payments and were up to date with payments however the cost required to obtain my car back was not feasible.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law.

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 2023-01-23 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 account was overdrafted $ XXXX dollars and I can not get into my account. I had no money in my account and I was constantly over charged.

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 2023-01-23 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
While on a flight back from Hawaii. XXXX XXXX promoted a promotion on the airplane if you get approved for a credit card you woul receive points enough for a round trip. Those points where never applied to the account they also advertised 50 % off a companion ticket and they also did not apply that. I have spoken to countless representatives and they have not applied the points or discount. This company was misleading at the time of offer. Please see attatched advertised pamphlet that they handed out in flight.

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 2023-01-23 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: MN

Complaint narrative:
Equifax Im sorry but you are going to have to permanently remove and delete XXXX XXXX account XXXX from my credit file! Due to FCRA violations. I asked you To review XXXX XXXX bank response date it XX/XX/XXXX in which they stated in their final response that they had notified all credit reporting agencies of the XXXX  XXXX bankruptcy that is completely false. And it was more than 30 days the item was not updated delete it therefore its a violation of the FCRA and it needs to come off the report today I also asked of you to review your response on XX/XX/XXXX in you stated the bankruptcy was not included this is more than 60 days since the item was disputed which is attached as well to the CFPB portal remove this from my credit file right now. XXXX XXXX also stated that they believe in fair and accurate credit reporting at 100 % which is XXXX  I demand you to remove this immediately included in bankruptcy was never entered and it must be removed today also review XXXX XXXX they show that Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were added to this account : Consumer disputes after resolution Bankruptcy XXXX XXXX Bankruptcy discharged Remarks are meant to make your report more clear. 
If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
NO Way This is allow to report on my credit file remove this today! Information should have been on the report back in XX/XX/XXXX and we are in XXXX XXXX XXXX No Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NJ

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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