vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I was investigating the possibility of getting an online payday loan using the XXXX XXXX app. Once I entered my information the app said I was approved. It prompted me to check how much I was approved for. Once I clicked to see the amount it said {$1200.00}. I was never given an option to decline or agree to the loan. I then received an email stating that the loan for {$1200.00} would be disbursed to my bank account and that the repayment was for XXXX payments of over {$300.00} biweekly to be deducted from my checking account!! I was shocked because I didnt agree to the loan or the terms!! The repayment schedule was included in the email and there was no option to enter a digital or electronic signature to consent to the terms!!!! This is A SCAM AND OUT RIGHT CRIMINAL FRAUD!! I immediately contacted Minto Money by phone to tell them not to disburse any funds to my account because I DID NOT agree to the terms of the loan and never gave my consent or authorization for the loan, but my call went to a voicemail. I then emailed them at the customer service email to inform them that I had not agreed to the loan or its terms and for them not to deposit any money into my account. This is a major payday loan scam. The finance charges they are attempting to force on me are over {$5000.00} for a {$1200.00} loan that I never even agreed to!! Please stop this transaction. I have also notified my bank that I did not sign for or consent to this loan and for my bank to stop this deposit from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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 was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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 was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries not authorized by me : XXXX XXXX XXXX XXXX XX/XX/ The accounts listed above were not authorized by me and they need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
I may be eligible for the complaint for collecting funds from our account due to overdraft or low fees funds

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 2023-01-22 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:
Back in 2019 I had a Wells Fargo account and there were instances where Id make a deposit at an atm and they wouldnt disburse the funds. Ive contacted claims since then and got the issue resolved. After that they was a simple conflict where I made a mobile deposit as well as cash deposit inside with a teller and they claimed my deposit was fraudulent because i instantly XXXX the money out. I again contact claims. They made an investigation, came back and said there was nothing they could do so I escalated it to a higher source provided all my documentation and still nothing resolving it. Then they later charged my account for the same amount I deposited and said it was because I made a fraudulent deposit

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited my check for over XXXX and they claimed my check was real and closed my account and took my money I'm still trying to get my money 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 explanation
Consumer complaint received 2023-01-22 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:
On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX Collection AccounXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My account was closed with Wells Fargo due to overdraft fees but there were several unauthorized payments that were cleared by the bank that should have been placed on stop payment.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried refinancing a mortgage with Wells Fargo In 2021. The property was moved into a trust, and wells assured me they could lend on a trust-owned property. After almost 10 months of invasive document requests, and several rounds of updates they finally told me they cant lend against trust owned properties. 

XXXX had initially tried to convince me not to refinance elsewhere because they told me they would likely not be able to get me a XXXX to forgive the mortgage tax on the original loan amount ( on which mortgage tax was already paid ). But since they wouldnt do the loan in the end, I ended up moving the loan to another bank and paying the mortgage tax again in full with the new loan because wells did NOT provide the XXXX. That cost me roughly {$16000.00} on the {$800000.00} original loan. I think what they did was wrong and dishonest and Id like to be reimbursed for a mortgage tax I shouldnt not have had to pay twice. 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 2023-01-22 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:
Well there were a lot of things going on with my accounts like checks ordered in different names with my account number, alot of stuff was ordered under my information, that I didn't applied, alot of fraudulent activities that I wasn't aware of. XXXX ordered using my card information in 2022.

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was out of work for 2 months due to a serious situation that I had to deal with. and my sister said she was gon na help pay for my car loan for 2 months.. she put her information in to credit acceptance as a guest payment and than cancelled it which put me in XXXX $ In debt and than stole XXXX $ from me on XXXX XXXX.. because she stated that she was gon na help me start my own business.

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 2023-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2023 i requested for a replacement the representative i spoke with promised the card was going to come my address which i expected but never received please let bank of America kindly do something about it in order for me to receive my debit card

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 2023-01-22 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: FL

Complaint narrative:
Wells Fargo, my account was from XXXX. Was under XXXX XXXX. Constant overdraft fees and atm fees when told it would be refunded never was. Over drafted my account almost XXXX closed my account. Auto loan paid off and refuse a XXXXXXXX XXXX. Another company never paid back from gap insurance as supposed to and advised.

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 2023-01-22 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: TX

Complaint narrative:
Hacking account... account overdraft and I don't understand 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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo became our home mortgage provider and we had issues with escrow and payment processing. They were our provider for less than a year.

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 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am looking for help with Wells Fargo. I had a mortgage with them over the last XXXX  years and think I should be eligible for part of the lawsuit. I no longer hold an account and need to make sure I see the corrections if they are deemed right

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 2023-01-22 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: LA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX PA XXXX To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for XXXX violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual.

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX  ) to TransUnion requesting that TransUnion provide Permissible Purpose U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA concerning several unauthorized Hard Inquiries on my TransUnion consumer report. The Certified Mail Receipt shows that TransUnion received my dispute on XX/XX/XXXX. According to the FCRA, TransUnion had XXXX  days to comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604. 

TransUnion has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. XXXX  form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use XXXX  forms to verify consumer disputes. The Court stated that XXXX  forms are not deemed as a reasonable investigation as a matter of law. 

Please DELETE these unauthorized Hard Inquiries due to FCRA violations. 
TransUnion has not conducted a proper reinvestigation of my disputes as mandated by the FCRA because TransUnion violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my consumer report within XXXX days of receipt of this Demand Notice.

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 2023-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report on credit karma today ( XX/XX/XXXX ) and saw a significant drop in my credit score, from over XXXX to under XXXX. The impact was in XXXX of XXXX. A credit card ( XXXX XXXX XXXX  XXXX XXXX ) was opened 3 months ago, on XX/XX/XXXX, using my old married name, not my current legal name. I'm not sure how a credit card can be opened using a name that is no longer legal. It was also opened using my old address. The card didn't appear to be used, but the annual fee ( {$61.00} ) was not paid, which ended up putting late charges on my credit account, lowering my credit score by XXXX points. The late charges were within 30 days of not being paid. I called the bank on the same day ( XX/XX/XXXX ). The bank said they would close the account and I would not be accountable for the annual fee/current balance, but I want to make sure my credit score is fixed. I froze all XXXX credit union accounts in the meantime and will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was being charged overdraft fees even when I wasnt overdrawn on my account. I went in personally to fix this problem and the lady I spoke with in the XXXX XXXX office told me there was nothing they could do. So not only did they take money that was mine they charged over draft fees to my account. The bank made a mistake when I had money in their to cover my purchases but showed I didnt so I was charged overdraft fees. When I went in person to provide proof of my recent deposit from my paycheck they said there was nothing they could do and she closed my account. So I lost an entire paycheck and was charged over draft fees. Its was close to XXXX total including 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 2023-01-22 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: SC

Complaint narrative:
Wells Fargo overcharged 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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank charged many unnecessary fees, and accepted deposits to my account without my authorization causing account closure.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2022 I visited the local Wells Fargo branch to do my monthly withdrawal of funds, and deposit it into my Wells Fargo checking account. 

The ATM distributed the funds during the withdrawal, but during the deposit the ATM shut down and kept XXXX $ as well as my Wells Fargo card. 

I immediately contacted Wells Fargo claims and they told me they couldnt allow me access to my funds right away and it would take up to 10 business days. I contacted them several times after and heard the same excuse even though several customer service agents for claims said they could expedite my claim.

I was unable to access money that I immediately needed for two weeks due to this. Wells Fargo repeatedly emails me saying they are investigating my claim, but no customer service would credit my account the funds I deposited that the ATM ate when it shut down.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the whole year of XXXX XXXX the where making my account goes on overdraft and keep charging me when the money waw there they keep taking the money then added the money back there again changing the amounts in available balance sometime I got some money and then there money wasn't there for some reasons transactions. The amount on the ATM withdrawal crazy

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 2023-01-22 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: FL

Complaint narrative:
In 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 non-monetary relief