vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
date was XX/XX/XXXX, the amount was {$990.00} via XXXX by XXXX returns. 
The call was on my mobile phone { 2, a man a woman } told me to access my bank of america to see my credit coming through. I immediatly saw a debit in the amount of $ XXXX coming out of the account. I hung up because I sense this was not XXXX. Called bank and reported what had happened and the people were calling me to answer. and text were coming through. 
The phone they were using to call is XXXX { 8 phone calls } the text messages were from XXXX and 2 emails from XXXX asking to confirmed and order that I did not have. 
My claim number from the bank is XXXX. I called XXXX department yesterday 2 hours and no one answered I called this mmorning 2 hours, and no one answered, I also, reported. this the sheriff department in my city and this is the case number, deputy XXXX # XXXX, case # pe XXXX. The name of the person that took the money is XXXX XXXX XXXX, using a XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: MA

Complaint narrative:
I literally just gotr off the phone witrh a supervisor from Experian on XX/XX/2023 at XXXX est. 

I was transferred to a lady by the name of XXXX, because I just spoke to somebody regarding a call on XX/XX/2023 from a representative name XXXX. I alerted XXXX that, because I am on a recorded line with Experian, he is also on a recorded line through myself. He told me that my disputes will be deleted and will be taking care of per fraudulant and unauthorized information being furnished by Experian. 

So, when I looked at my report today and saw that the items were under dispute and not deleted, I called to speak to a supervisor again. After a legnthy hold, I spoke with XXXX and told her the history and conversation that I just had with XXXX. I also alerted her that, I know that I am on a recorded line with Experian and you are on a recorded line with myself as well. 

She told me that I do not have the right to record her conversation. I told her that you are on a recorded line per your company Experian either way, so we're both being recorded, and I am also recording this call per myself. She told me she does not want to be recorded and hung up. This is unacceptable. Not only is Experian reporting information fraudulently, without my express written consent, now they are disrespecting me, the consumer, andhave flagrantly repeated not to do the right thing. I have given plenty of opportunities for Experian to make this right. They have failed to do so.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had a car loan with Wells Fargo. They did not apply my payments correctly. I had a repo man come to my house at 8am to repossess my car. I was showing him my Wells Fargo account with current payment status. He had to make calls for an hour in my driveway with his tow truck blocking my car. Then said I was right and hed never seen that before. I was charged fees and caused mental anguish and embarrassment because of this and am looking for my payment from the Wells Fargo settlement.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business checking account with chase. On XX/XX/2022, i noticed several charges from XXXX, these are all amounting to atleast {$1000.00}, I called Chase Bank and filed a fraud claim. This bank account/card is never linked to XXXX, nor did i use XXXX sevices that day since I was at work. THERE ARE ATLEAST 27 transactions only for that day. 
I am a XXXX at the XXXX VA XXXX, that day i was working XXXX to XXXX and theres no way i could have taken those rides, nor someone else. no one else has authorization to use this card. I was reimbursed. 

Until XX/XX/2022, all these reimbursements were charged again on my business account. I called Chase and they told me, XXXX denied my claim due to " a physical card was present during these transactions and that someone might have my card number. '' -- i requested to re open the case, I also contacted XXXX. XXXX did reimbursed me 13 of these transactions, but not the other transactions that are still amounting to {$790.00}. I contacted XXXX and they told me, they already issued me a refund, they did not answer my question regarding the other transactions that Im waiting to get refunded for. I also contacted CHASE to reopen the case. I submitted myt timesheet at work as evidence. Its been a month and still this issue is still not resolved. 

Thank you and Im hoping that this matter gets resolved. 

i am attaching a copy of my bank statement and I highlight the transactions that are still not reimbursed to me by CHASE AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I got a flex line of credit with my title of my car in XX/XX/2021 I have been paying on the loan ever sense I only got XXXX dollar loan well after I got the loan and made payments they updated the credit limit to XXXX without my permission also I have payed them a total of {$4700.00} and they are saying I still owe then when I got to looking they are charging way more interest then what the Tennessee laws say they can.also I took my car to the titlemax location because they said they needed to update the pictures and stuff for the loan so I could access my available funds and still to this day they haven't fixed it and I need help getting this straighten out because they haven't even updated my balance on the app they tell u to use to check your remaining balance or online and you can see all the payments I have made in the transaction statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX Bank in XXXX. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a Hard Inquiry was pulled against Transunion Credit Bureau. 

Transunion won't remove it from my Hard Inquiry unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send Transunion anything as well as my information is no longer in their system to even attempt to send Transunion a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for XXXX  years and without my approval to even be there.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE and WEINER / XXXX / {$420.00} / XX/XX/2021 No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to that Credit Report generated on XX/XX/XXXX I have no open Home Loans. Yet I receive bills for such, however inaccurate and contradictory each are they still appear, my Credit Report shows four ( 4 ) closed Home Loans : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX Who submitted documentation into my file causing it to reflect those 4 home loan closures and when was each submitted altering my Credit File in such a manner? I believe there is unauthorized manipulation of my Credit File ongoing for more than the second time in under ten ( 10 ) years. I previously mentioned I believe Experian is or may be held to be acting in concert with other entities and that combination of interests may well trigger Action ( s ) under XXXX  more commonly known as XXXX XXXX XXXX XXXX. I need both confirmation as well as verification what entity or entities are actively or passively manipulating my Credit Information for whatever purposes? Including but not limited to improper influence or production of documentary proofs based upon that inaccurate information presently contained within that Credit Report generated on XX/XX/XXXX, all 46 pages which I have fully copied. Moreover, why is my file sub-divided in a manner I've never seen before as it is? It is and has been LOCKED for more than a couple of months now, so please explain why I am witnessing such anomaly ( s )? As this has adverse effects on that stated total debt reported as {$71000.00} on 5 open accounts with 1,568 being in Credit card or credit lines, my debt to income is also affected as well as a host of other metrics, please explain and provide that evidence therefor.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit score is wrong I should scores already because I don't see nothing on my 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 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: FL

Complaint narrative:
My account was closed for the overdraft that was made on my checking account and I thought I had overdraft protection on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
Wells Fargo opened three different accounts in my name in XXXX. I only had two ( checking & savings ), but three were opened. I lost a total of {$3300.00}. I've been complaining to them from the moment I found out about those accounts. Over the years, Wells Fargo has reimbursed {$1200.00}. I'm still waiting on the balance to be paid.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC/ XXXX XXXX XXXX  XXXX XXXX / $ XXXX XX/XX/2022 - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 ) ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 ) ( 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 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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I XXXX got alone the rate was too Hi my credit score was better than the rate they gave me

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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is not my loan. This loan is XXXX XXXX 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I requested a payoff letter from the Huntington mortgage portal on XXXX XXXX for a XX/XX/XXXX close date, it was immediately issued and I sent to my attorney for the close. 

XX/XX/XXXX we closed and the title company reached out to my attorney stating that they needed " a real payoff with information on where to send or to wire the payments '' and would withhold my proceedings from the sale until this was resolved. 

Given the time of night, I sent a message via their client portal to ask for assistance : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I sold XXXX XXXX XXXX today and the title company -- XXXXXXXX XXXX -- deemed the payoff letter incomplete- they have asked for a " a real payoff with information on where to send or to wire the payments '' They are holding the proceeds of the sale without this letter. Per my attorney you should waive the per diem given the insufficiency of this letter. Please respond ASAP. 



After no response, I called on XX/XX/XXXX and spoke to XXXX. She informed me they do not waive the per diem and that I must have messed up the letter. I told her I was looking at the letter and confirmed had sent it properly and that the actual contents of their template were deemed insufficient by the title company. I informed her they were withholding my proceeds from the sale. 

I confirmed that the one from the portal was acceptable for closing and she said yes and that they always worked with XXXX XXXX  and no one had complained. 

I asked to speak to a manager. 

I then spoke to XXXX who said that they will not waive per diem and that she knows what the issue is ( indicating to me again that they know there is an issue with their letter ) and that I just need to provide a fax and they'll get a better letter issued to the title company. She said the portal letter was different -- but still confirmed it was supposed to be acceptable for closing. I then had to reach out to the title company to get the fax number. I asked for a direct line and she declined, giving me the general customer service line. She was also aware my proceeds were being withheld. 

I called again and spoke to XXXX -- she told me the payoff letter would take up to XXXX hours upon being briefed by the situation. I informed her that wasn't acceptable as I was paying per day and had already closed. She then put me through to a supervisor and the supervisor then said that they could get the letter out by end of day today. 

I am expected to pay the extra day this took and XXXX declined to assist in any way and declined to provide me a method to work with someone on resolution. 

Also, while trying to pull up information to submit this complaint, all of their online documents failed to load -- paperless statements were inaccessible.

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: OR

Complaint narrative:
Can't remember the dates but wells Fargo had taken over {$300.00} that had overdran my account then they took an overdraft fee from my account when they were the ones that caused the overdraft!!!

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