vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: PA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!

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 2023-01-19 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: PA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
Complaint regarding transparency of billing statements. Billing statement does not include : Property Description, Interest Rate, Minimum Payment Due. Billing statement is not generated in advance of due date. For example ; Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/2022. Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/XXXX. As I write to you today, XX/XX/XXXX, my minimum payment is due today yet my XXXX billing statement has not even been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I get over draft fees even if i transfer the money way before they are asset and payents have not been paid even if the money is in my account and i have tries to make purchases but my accout in locked without notification saying the did it for fraud activity

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
When funds are supposed to be available 3 days after transfer, its taking 10 days in actuality for Marcus/Goldman Sachs to do so. 

See the attached Instant message exchange I had with Marcus to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo held my deposits and did not allow me access to my money. Which hurt me on paying my bills.

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 2023-01-19 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: TX

Complaint narrative:
To Whom it may concern, I was the victim of identity theft and the Me-To-Me Scam. I had someone call me with the caller ID Chase Bank, they said they were a representative of the bank, and that someone was trying to make fraudulent charges, he gave me his name and badge #. They told me to send money to an gmail address that I thought was sending it to myself thru XXXX. I realized the next day this was not a bank Rep and I had been scammed to send {$500.00}.

I called the fraud department they said they couldnt do anything and directed me to XXXX, and said they couldnt do anything. Btw this was just 2 wks before XXXX. As I dug deeper I found out they had hacked into my XXXX account and set up a new account under my name, a bank account and I had to contact XXXX to please shut down the fraudulent account and my account because I was no longer receiving emails. They had also hacked into my yahoo account. Had to create a new account as I was getting XXXX XXXX/connected with Chase that they were trying to take more money. I went to the Branch they said they could do nothing but again tried to call the fraud department and they said they couldnt get the money back from the Bank that was set up because it was frozen. We tried XXXX again and thats what they told us. I found an article in the New York XXXX about this Scam and that the CEO of JP Morgan Chase made a statement that Chase would refund the money to the Chase Customers who were victims of the Me-To-Me Scam, however, the branch assistant manager escalated it to the claims department with the article and they called me and declined it again. I have had to contact all my creditors, change my emails, filed an identity theft on the government website, set up a new account and changed my direct deposits of my pay check. I am still battling this and I just feel like Chase made a false statement to the public and their customers who have been a victim of the ME-To-ME scam in the XXXX XXXX XXXXXXXX. I showed all kinds of proof of fraudulent email account, credit journey emails, even that the email is no longer registered with XXXX, and really just frustrated and upset I cant recover my {$500.00} which I thought Chase was protecting my money. I am considering withdrawing my money from the bank however this scam has hit every major bank. No one is listening or doing anything to help me to recover my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: DE

Complaint narrative:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : Original balance {$750.00} Account number XXXX Account number XXXX Original balance {$100.00} Original creditor Account number XXXX Original balance {$860.00} XXXX XXXX XXXX creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} Original creditor Account number XXXX Original balance {$390.00} Account number XXXX Original balance {$2400.00} Account number XXXX XXXX XXXX XXXX Original balance {$260.00} Original balance {$2400.00} XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: GA

Complaint narrative:
My account was frozen plenty of times when they it was an unauthorized purchase.Dont remember the dates but they can go back thru their records

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 2023-01-19 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: SC

Complaint narrative:
Did not have overdraft protection so I couldn't overdraft and the bank charged me overdraft fees everytime something came in and wasn't enough money in account from XXXX XXXX  I believe. Said I owed them over XXXX $ in fees. This bank Wells Fargo in 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
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account with the bank account is that I never used my account on line, except checking balance, I was charged with accepting a loan that I never used, overall

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 2023-01-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay XXXX and the XXXX man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call XXXX myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. 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
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an account they would close my account this happened multiple times I deposited a check never got the check back or the 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a account with Wells Fargo someone hacked my account and I told them about it I had a direct deposit to go into the account they where suppose to do investigation but they closed my account and keep my money I keep calling and asking about it but no answer and they said after the investigation that my money would be sent to me but never was.

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
i was o the pandemic XXXX XXXX XXXX XXXX XXXX XXXX and on the end of the period they just file those XXXX mouth as of late payment and bcus of it, today i am losing o lot of money bcus its been efect my XXXX XXXX, and on top of it they elso charge me all this late fee of top of {$9800.00}, what do i need to do to get all this demage 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 2023-01-19 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: NJ

Complaint narrative:
At times I was over charged for fees I have been a customer for a long time.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX  I told Wells Fargo that I would be traveling and they froze my account multiple times while I tried to make a purchase.they froze it once in XXXX  for trying to get a hotel room and another time in XXXX  for the same thing.they also froze my account when I tried to make a purchase in XXXX XXXX would also charge be extremely large overdraft fee when I didn't have enough if my account XXXX as it being different amounts everytime.they froze my account alot of other times but those XXXX are the ones I can remember.i had to close my account out because they didn't treat me fairly if you need information you can get it from wells fargo.you have my permission to access that.

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 2023-01-19 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: ERC
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: GA

Complaint narrative:
It's the Wells Fargo action that's being taken now between XXXX and XXXX to present with bank accounts checking accounts and debit cards account not been accurate very low taking money without permission.

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 2023-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was my mortgage company from about XX/XX/XXXX through About XX/XX/XXXX. 

I attempted a refinance in XX/XX/XXXX XXXX. They sat on the application. Then attempted to changecthe rate and make me sign. I complained directly to Well Fargo. There was no change in credit and payment history was excellent. 

XXXX gave me the rate and completed the XXXX. Wells Fargo attempted to force higher rate than 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
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX, 3 checks were stolen from the post office. XX/XX/2022, one check was washed. The check was for a credit card payment. The payee name was changed to an individual and cashed. XX/XX/2022 another check was washed and cashed. Both the payee and the amount were changed which put the checking account into overdraft leaving my account balance of almost a minus {$1000.00}. When Wells Fargo notified us by mail that we were in overdraft and lost almost {$8000.00} in funds, the account was closed before the third check could be cashed. An affidavit was filed with the bank, a report was filed with XXXX police and the post office was notified. Wells Fargo stated that it would take 10 days to resolve the issue. The bank has confirmed that fraud took place but as of today has not refunded the money or offered provisional credit. Wells Fargo now states that it could take 120 days to make a decision with no guarantee of refund. This information is nowhere to be found in any literature given for this type of account. I have complied with every request from Wells Fargo with no result. From the little research done I have found that Wells Fargo is treating thousands of their customers in the same way in hopes that they give up on trying to get money that is insured back to accounts held at the Wells Fargo. Please help as I have no other recourse at this time. Any suggestions that could assist in the matter would be greatly appreciated. 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 2023-01-19 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: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, XXXX, Transunion, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH 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