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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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.

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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed on my report. I XXXX be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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: TX

Complaint narrative:
Possibly fees from Wells Fargo complaint

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

Complaint narrative:
I have been banking with Wells Fargo for 40 plus years. When I use my debit card there is money in my account but Wells Fargo holds my withdrawals until a bigger withdrawal is made and then charges me multiple {$35.00} overdraft fees for all my previous withdrawals that should have been subtracted first. If they would subtract them in the order they received them it would be one overdraft, not multiple ones. This has been going on for years. If you call them about it they act like they don't understand.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
midland Credit {$680.00} and I have no knowledge of this account. I have not gotten any information of this accont. I have contacted them and of course no response I would like for them to stop harrasing me about account that they can't verify. Then it says XXXX XXXX and when I call them they say they have no information and now I have a credit report with this name one here and it isn't mine, I also asked how did you purchase a debt and they can't verify that either. 

MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Today, XX/XX/22, I received a credit report alert from my primary banking institution, XXXX. When I opened it up, I saw that I had a delinquent XXXX XXXX XXXX account to the tune of {$21000.00}. I have never opened any account with XXXX XXXX XXXX, so I was immediately alarmed and called XXXX, who connected me with XXXX to report the fraud. XXXX suggested I file a report with the XXXX which is what I am doing here.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX XXXX  Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX  Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX  XXXX  Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I recently opened a Citi Priority online checking account since their website advertised unlimited USD domestic wire transfers. However I've spent the past two weeks trying to send out a single wire transfer of XXXX to XXXX XXXX  and my wire transfer keeps getting cancelled even though I am constantly calling Citibank to make sure it gets submitted. 

I get an email asking me to call in to give additional information, so I call the number given and the customer support agent says to wait and that there is no more required information. I receive no more communication until the next day I get an email saying my wire transfer was cancelled. 

It is wrong of Citi to advertise unlimited USD wire transfers yet when I contact them constantly over the past two weeks to get a single wire transfer sent out it always gets cancelled. My wire transfer has been cancelled 4 times already

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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.

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX was reporting my home as in foreclosure when it was not. They were trying to distort out of extra money and fees. I tried to hire an attorney, but they were trying to charge me too much This is what FHA was reporting : Thank you for contacting the FHA Resource Center. The information you requested in response to the above referenced service request number is provided below : If the information does not fully address your question, please forward this email ( do not reply ) to XXXX, and provide additional information so that we may better serve you. You may also speak directly to a customer service representative by calling XXXX ( XXXX ) or visit our online knowledge base at www.hud.gov/answers, 24 hours/7 days a week. 

Your question was regarding XXXX XXXX HUD has not paid an insurance claim in FHA Case # XXXX. Case # XXXX is reported to XXXX for being an FHA mortgage in Default. The lender/servicer Wells Fargo Bank NA is reporting to HUD that the FHA Mortgage XXXX in default as of XXXX XXXX with an oldest unpaid installment date of XX/XX/XXXX with the mortgage being 3 months delinquent. 
My house was in the process of being sold, it was on the market. They cost me thousands of dollars, right when I was about to close. I tried to hire an attorney, but it would had cost to much. 

I had to pay Lexington Law to clear-up my credit report due to Wells Fargo 's false reporting Dear XXXX XXXX Lexington Law Michigan requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to XXXX on your behalf. 

Items Challenged on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : 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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I made a purchase from XXXX with this Citizen 's XXXX credit card in XXXX XXXX  I made a payment of {$96.00} on the account and then decided I wanted to return the purchase with the intent of making another purchase immediately after the account was credited. XXXX promptly accepted the return and credited the account, {$1500.00}, leaving me with a positive balance of - {$96.00}. While making the next purchase I was mistakenly informed that the account was over my credit limit and received a fraud prevention email from the bank saying to contact them. I immediately contacted the bank and the case was escalated on XXXX XXXX XXXX I was told that they would contact me within 4 business days. It is now XXXX business days from then and I've received no contact from the bank, by either email or phone. When I call, they tell me that the case has been escalated.

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: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have pre existing laye payments on credit cards that I have paid off and are not open any more. How can I get the late payments off my report?

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

Complaint narrative:
They approved transactions on my account, causing me to have over - {$600.00} owed to them. Despite freezing my card, calling them to let them know NOT to approve any further transactions and calling the companies I used to pause transactions, the bank continued to allow every transaction to go through. I racked up so much overdraft fees, I ended up having to pay the bank more money because they would not stop these transactions & they added overdraft fees on top of the same overdraft fees. They refused to take them away & once I was able to pay off the money and get the balance to {$0.00}, I closed the account. I shouldve only had to pay about {$200.00}, instead I payed about {$800.00} and that was only on overdraft fees that had racked up.

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 — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
I asked for the full loan payment history in XXXX or XXXX of XXXX. MOHELA responded with a payment history dating back to XXXX of XXXX. My loan originated in XXXX. I called back and told them if the error and they said they saw that the loan info sent only went back to XXXX and the origination date of the loan was XXXX. They put in another request and on XX/XX/XXXX sent the exact same payment history dated as starting XXXX. MOHELA has taken off the option to respond via email from their website making phone calls the only way to contact them. Im still waiting for a full payment history. MOHELA is the only loan servicing company that has held my loan. This should not be difficult to get.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made charges on my American Express XXXX card with closing date of XX/XX/XXXX totaling {$2300.00}. The payment due date for this bill was XX/XX/XXXX. I missed the payment due date, I made a payment of {$2300.00} on XX/XX/XXXX, three days after the due date which was the full statement balance. On my XX/XX/XXXX statement, I was charged a late fee of {$29.00} and interest of {$85.00}. The XX/XX/XXXX statement had a balance of {$6400.00} due XX/XX/XXXX. I made a payment of {$6400.00} on XX/XX/XXXX before the due date ; I paid less than the full balance because the late fee of {$29.00} was reversed and credited back to me. When I received my XX/XX/XXXX statement, I was surprised to see another interest charge of {$110.00}. This didn't seem right so I went back and calculated the interest that I would have expected to owe. I 'barrowed " {$2300.00} from XX/XX/XXXX until my payment on XX/XX/XXXX at an annual interest rate of 25.24 %, so, $ XXXX ( 28 days/365 days ) * ( XXXX interest ) = {$45.00} is the interest I would expect to owe. I was charged a total of {$190.00} in interest!!!! More than 4x the actual interest owed. I called Amex customer support twice. I was able to get the fee reversed and they offered to return an additional {$40.00} in interest but that never happened, they also offered to have someone call and explain the interest but that never happened either. I am owed {$150.00} from American Express as well as an apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was laundering money by making deposits into customer accounts, I happened to be XXXX of those customers and spent the money, they froze my account and demanded the money back, they locked me out of my account, and have never been allowed back to there bank, but of course, they never reported 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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
XXXX had a car loan talked to the bank several times about my payment and they said they would work with me and the following day my car was reposed

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

Complaint narrative:
Reordering of transactions to cause massive overdraft fees. ATMs coincidentally nonfunctional when trying to deposit money to cover transactions.

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: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter in the mail from Bank America on XX/XX/2023 asking for reimbursement for a check that was returned unpaid after allegedly cashing or depositing it. 

I dont own a bank account with Bank of America 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 2023-01-20 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:
I went in to close my bank account. I was handed all of the money in my account but told they would not close it at that time and to call customer service because they didnt have a banker. I found out later there was a banker but they didnt want to effect their numbers. They did not put a hold on the account either. I tried to contact the customer service number, but was put on hold for over two hours. This happened multiple times. I noticed a few days after that my account was in the negative for a few hundred with the majority being overdraft fees. I tried calling again. Still could not reach anyone. I sent emails to the district manager. No reply. Finally, months later they called me and I explained what happened. I said I was willing to pay only the expense amount that was pulled but no late fees because I have been trying to get assistance with this. They should not have refused to close an account. They should not have pulled money out of my account knowing there were expenses going to pull. I attempted multiple times to call and to no avail. I told them I even sent an email. No reply. I am always sent in circles. To this day there has been no resolution. I have screenshots and proof of all of this.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited XXXX  days and I haven't recieved nothing here is my tracking number # XXXX. It has been over XXXX days. 

And XXXX more thing, Experian, XXXX, and XXXX didn't record the current status of the account being in the disputed status. 

Experian, XXXX, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and Experian is not doing its job according to 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 explanation