vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ND

Complaint narrative:
I believe I was charged exorbitant overdraft fees on my checking account at Wells Fargo between the years 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: 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My account was concurrent and had positive balance then next time I checked my account it was in the negative status and I lost my money that was in there as well as the minor deposits I were making into my 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 2023-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have XXXX XXXX Inquiries that I didn't file for

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 with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Overdraft fees not supposed to be there a while ago i dint have the screen shot this is for that legal complaint that im supposed to recieve a repay online

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 — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
At XXXX point I had XXXX in my account, and then the next thing I know the account was just canceled. I assumed maybe I went over spending, but a buddy of mine overdrafted his account by {$10.00} and they hounded him for years. They just closed my account and give a reason. I stopped using banks because 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a wells Fargo customer and someone took money out of my account. I had XXXX in there and the people who took my money overdraft my account by thousands. I called as soon as the fraud happen and the merchant stayed I was responsible cause I applied for some thing and thats how they may have received my information. they kept tacking on fees and closed my account. I tried to talk to a manager they would not allow me. I am very upset as they took my money and closed my account and put this on my credit. Every one I talked to kept saying i had to talk to another person and just kept passing me around. I thought I had protected myself when as soon as I seen the account being attacked I called.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX Ac. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity and XXXX. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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

Complaint narrative:
THE FOLLOWING INQUIRIES WERE FRAUDULENTLY PLACED ON MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX REMOVED THESE FRAUDULENT INQUIRIES BUT TRANSUNION HAS THEM STILL REMAINING. THESE COMPANIES DID NOT HAVE PERMISSIBLE PURPOSE TO RUN MY CREDIT AND TRANSUNION DID NOT HAVE PERMISSIBLE PURPOSE TO PLACE THESE 17 FRAUDULENT INQUIRES ON MY CREDIT REOPRT.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
after obtaining a current copy of my credit report i noticed a fraudulent auto loan opened in my name which i did not authorize

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a large deposit and they wouldnt release my funds. They put a hold on my 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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
TRUTH TO FACTS OF PAST TRANSACTION WITH FORD CREDIT A United States Principal Party in Interest, Citizen, signature, subscribed on a promissory note, is a valuable consideration collateral security, that is relatively liquid, in amount equal to the sum of Federal reserve notes, under the provisions of section thirteen of the Federal Reserve Act, but United States Principal Party in Interest, Citizens, are made to believe the promissory note, that is prepared by an agent or beneficiary seller bank, represents principally a investment or bailment to their lender or holder in due course, rather than a medium of exchange, that is acceptable for goods and services. 
Whereas, what beneficiary seller banks do, when they make a loan, is to take a promissory note, in exchange for credits, to the USPPI citizen transaction account or create a special purpose vehicle account, than calls a United States Principal Party in Interest Citizen, a borrower of their own collateral security. 
Therefore, what the beneficiary seller banks are doing is very different from what it presents it's doing, to the public common trust, while acting as a lender, that makes a trade of putting a collateral security note to interest. 
This is legalized fraud, under the Color of State Law, which is the adopted Uniform Commercial Code, that allows a third party to procure a original collateral security note, without recording it in the county, and converts it into a negotiable instrument that benefits an agent or beneficiary seller bank.

Whereas, the Several States, are impairing the obligations of contracts, promissory agreement notes, through licensees, that are using the adopted UCC, or Negotiable Instrument Law of private organizations, instead of acts enacted by Congress, under the Constitution for the United States of America. 
Therefore, " We the People, '' that appear in person or a beneficiary seller bank, ought to use the good sense from the Spirit within, in lieu common sense, and bring Treason Charges against the Heads of the Several States for placing " We the People '' in a State of Peonage under 18 U.S. Code 1581.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX my wife at the time missed XXXX payments, which Wells Fargo started foreclosure. When i found out about this, I called, paid all missing payments over the phone. Then XXXX  years later, my wife had an affair and left me and the kids. We both filed XXXX  XXXX, and was XXXX. I was able to save the house, and got her off any claim of ownership. My attorney said to not sign the reaffirmation agreement because know one was sure how long the recession would last. During that time, XXXX to XXXX, Wells Fargo did not report my payments to the credit bureau, which all payments were made on time, just like in the past before she skipped XXXX payments. I owed XXXX in XXXX, and paid it off, .so now I own the house with no debt. The house was valued XXXX during the recession and worth over XXXX now. XXXX is a bad bank, I don't recommend them to anyone. Not sure if they owe me money or not, but they did make my life XXXX during XXXX to 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Pease reach out to company if am eligible for a settlement reimbursement

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Was charged gap coverage and excessive fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I learned that Enterprise XXXX, XXXX ( " Enterprise  '' ) had unlawfully charged my JP Morgan Chase Bank , N.A . ( Chase ) checking debit card in the amount of {$650.00}, and immediately disputed the charge. I provided Chase with the correspondence I had sent Enterprise dated XX/XX/XXXX, requesting from Enterprise its invoice for any outstanding amount ( s ) due, and since Enterprise was authorized to charge my debit card, out of precaution, I also sent Enterprise correspondence revoking authorization for any future debits. More importantly, I also provided Chase with Enterprises invoice dated XX/XX/XXXX, showing a {$0.00} balance. 

On XX/XX/XXXX, Chase informed me that they had denied my dispute. On XX/XX/XXXX, I sent Chase a Stop Payment Order and requested the documents Chase relied upon to make the denial pursuant to 12 CFR Ch. X, Pt. 1005 ( Regulation E ), et al. 

Chases findings that the transaction processed on XX/XX/XXXX, or 51 days after revoking authorization, in the amount of {$650.00} was properly " processed according to the information I provided '' is clear evidence that Chase has failed to properly initiate an investigation in accordance with Regulation E. On XX/XX/XXXX, Chase debited my checking account in the amount of {$650.00}, without providing me with the requested documents pursuant to Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I believe it was in 2017 but I had deposited a check into my Wells Fargo account that was marked as fraudulent, though it was a certified check. I was charged fees, they froze my account and then arbitrarily closed it. A short time after they called to say they made an error and I could reopen the account but they wouldnt refund any of the lost money. I had already opened a new account and never wanted to do business with WF again. It caused me financial strain and much embarrassment in trying to explain to my creditors why their payments were returned. I was assessed fees by both the bank and the creditors who returned my payments due to the frozen, then closed 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 2023-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Stating that my account is delinquent and we actually have a complaint currently pending. The credit report states that I am 3 months behind.

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: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Debt company is reporting inaccurate my debt is paid per obligation of the united states. CFR and USC laws that will not be mentioned declares this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo settlement. I had a mortgage, checking and savings.

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