vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report. Experian refuses to provide all documents used to verify any thing on my consumer reports.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listedXXXX 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 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.Please provide Signed Documents .

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.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 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.Please provide Signed Documents .

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: MS

Complaint narrative:
I was charged several times for not having enough money to cover a charge I transferred it from my savings and I was still charged the fee.

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 — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well it has happened so many times already and the past and they haven't still gave some of my money back and I really need it to pay my bills I'm really behind, it has effected me and my family a lot and recently I have had transactions that I haven't authorized taken out my savings account by someone again I have made the money back but want that money I worked hard for back too and the money that was taken from me in the past too I had almost XXXX in my savings taken away from me and that's not ok at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and want my money back. The bank is Wells Fargo it happened multiple times and I lost money to XXXX too and never got it back 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 2023-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN, XXXX, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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 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 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 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 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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been trying to open a new bank account but every where I go they say Im in XXXX XXXX because I owe Wells Fargo. I dont even owe Wells Fargo anything. Wells Fargo was taking money from my account! One time they took out over {$200.00} and they could not tell me where the money went.it was others times where small amounts was missing from my account or I would get charge fees I didnt even know about.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I began to receive notifications by email that there was activity on my account that was unusual. I had had Wells Fargo as a bank for over several years at this point, and had trust in the bank to protect and insure my account and funds with fraud protection and security. Suddenly, I noticed large amounts of money being transferred through to XXXX to the names of people I had no relation to or knowledge of. It all added up to about {$6000.00}. I immediately contacted Wells Fargo about my compromised account and the fraudulent charges. Wells Fargo promised to investigate the fraud and they gave me a provisional credit for the amounts I disputed. Over the next few months, I used my account as normal and spent the credited funds while Wells Fargo investigated. A few months later, I got a notification that they had completed their investigation, and they found me liable for these charges, despite my claim of being a victim of identity theft. I honestly had full trust that Wells Fargo would cover the fraud on my account, and was shocked by their resolution. Their solution was to reverse the provisional credit {$6000.00}. These funds were immediately reversed, causing my account to become overdraft and in the negative, and because I had had several transactions in between those dates of receiving the credit, and having the credit reverse, they then charged me several overdraft fees which plunged my account even further into the negative and ultimately caused it to close. Ever since this situation, it has been difficult to recover financially. It caused me to have a hard time to open a new checking account. Ive had to use banking apps like XXXX or XXXX or XXXX. Wells Fargo went against all protections they had agreed to give me, their own T & Cs and policies for fraudulent activity, and ultimately did not fulfill their end of the banking agreement which was supposed to prevent and protect my account and 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 — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
RE : claim # XXXX I requested a refund from Chime for services not rendered. I was denied a refund within an hour. I was not given the opportunity to provide any proof to this claim. I have corresponding text message as proof as well as paperwork I was suppose to receive with other people 's name on it. These transactions were paid out through XXXX XXXX. This was XXXX of the reasons I was denied a refund. I was also told I was denied provisional credit due to me having a XXXX balance. At that particular time my balance was not at a XXXX balance. I did withdraw my funds from Chime, and stopped my direct deposits due to terrible customer service. There have been times I go to the store to make a purchase, and that transaction is denied with thousands of dollars in my account. The excuse I am given is we are having a glitch in the system ; try back later. My funds as a consumer are supposed to be protected at all times. I previously called for another refund, due to me not receiving my product. I was denied that refund as well. I have moved my business to another financial Institution. 

As a depositor with Chime my funds are covered through the FDIC up to {$250000.00} dollars. I expect Chime to do a legit investigation. 

As a consumers we are the reasons these financial Institutions stay in business. These institutions have no money or collateral. These contracts made with these corporations ; it must be XXXX parties that come together with equal collateral. These institutions use the consumers funds. We all know that for a fact. 

I am following up with the FDIC as well with this complaint.

Company response to consumer: Closed with 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 — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal has defamed my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
XXXX XXXX sold the loan without permission falsified the documents and XXXX XXXX was already dead I attached some debt validation, and, XXXX please investigate all the loans on the pdf documents I sent you guys and make sure they follow the federal law and guidelines please and XXXX  XXXX closed my business account because of me bringing this up please have them reopen thanks under federal law you have 30 days to leave your investigation. Being right at the description of the processes used to determine the accuracy of completeness of the information is here by requested as well to be approved within 15 days of the complete of your investigation.

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: NJ

Complaint narrative:
On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to Transunion XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the XXXXredit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also Transunion continue to report XXXX XXXX Account # XXXX on 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I purchased 2 tickets using my Wells Fargo credit card for flight for XXXX. The transactions werent going through with the phone representative, so I got on the phone with wells fargo to help the transaction go through. It finally did once XXXX individual tickets were purchased. However, I was charged for the XXXX separate tickets as well as the larger transaction for XXXX tickets. I reported the error to Wells Fargo and they opened a claim. However, they closed the claim since the amounts did not match. I reopened a claim. The claim was closed again. This cycle has repeated. This has not been resolved for going on 4-5 months now and Wells Fargo is not resolving the issue and instead making me reopen a claim they will not solve just close again triggering the 120 days they have to look into the claim. They owe me over {$2000.00}. My claim number with Wells Fargo is : 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
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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXX, XXXX WELLS FARGO XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
i am always geting multiple charges for same items or sometimes subscriptions mostly XXXX for XXXX, XXXX, XXXX! Its happened more since XXXX XXXX. 
ive been XXXX all access customer for seversl years approx since XXXX which is through Wells Fargo! the overdraft charges of XXXX dollars is also rediculious most troubling when its chatged for purchases under XXXX $ in which in policy is states no overfraft charge nor pentaty for signed charges under 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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
Ive requested documents from Enhanced Recovery Company and they have yet to respond to me. This a debt that is alleged and i demand more information. I need to know why they are trying to charge me money.

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

Complaint narrative:
I have been charged overdraft fees for transactions that I had the money in the bank. I swiped my card for a transaction the day I was in the positive, and days later charge overdraft fees for those same transactions because they was still pending status.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I deposited a check for the app in the amount of {$610.00}. I received a notice that a hold has to be placed because the check needs to be verified in detail. I called a representative and was told that the date number on the check was not current, I called the work agency and was told that the check was just written, that the date was current, I verified and indeed the date was current. The bank said they were going to verify and said no more. The deposit took about 2 weeks to clear.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have sent documents and Caine & Weiner Company incXXXX is not responding to me. This is a debt that is alleged and ive been trying to get more information on it.

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:
The XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with TransUnion and XXXX. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the 1099C, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue

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: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue

Company response to consumer: Closed with explanation