vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: CA

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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:
I had banked with Wells Fargo before they were Wells Fargo I had my checking & savings account since 2001 when they were Wachovia. Later bought out by Wells Fargo. That being said, I NEVER had a monthly fee of any kind. 
Long story short, my home burnt down leaving me Homeless in a tent in the woods. Which also means No address to receive any mail and my cell phone was also burnt in the house fire. 
When XXXX started I was wondering why everyone I spoke with had received their STIMULUS CHECK ~ HOWEVER I had NOT. So I borrowed someone's phone to call Wells Fargos customer service ONLY to find out they had " supposedly " sent me a letter informing me I will start being charged {$10.00} each month my account doesn't have a certain amount balance. 
I never received such information due to the fact I have NO address to receive any mail. 
Needless to say, Wells Fargo CLOSED MY account. I wasn't aware of. 
DUE to the fact my account was charged $ XXXX  monthly fee and I ONLY had {$9.00} in my account. Therefore my account was CLOSED MY STIMULUS CHECK was sent back and Wells Fargo put a BAD MARK AGAINST MY CREDIT FOR {$1.00} THANK YOU for reading my story, 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I dont remeber dates but someone had a way to get into my checking and deposit fake checks at atm while i had my debit card in my possession wells fargo took all my money in my account and shut my account after i filed a report they said i was a liability which is ridiculous XXXX has been closed for 4 years and still teying to gwt my money bCk

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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: 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:
This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my account in 2016. I specifically said I didn't want over draft & it stills shows I don't have over draft. Now every month since I've been charged over draft fees for something like a dollar here or a dollar there. There has been a few months that it's been {$300.00} plus the over draft fees. I tried at one time to get over draft & it's never been added. How come when I need an over draft I can't get it but I get charged every month?!

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was notified by a credit monitoring website that I had a medical debt that went into collections on and around XX/XX/. However I did not recognize the collection agency ( ARS Account Resolution ), the amount of XXXX, nor the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. It was supposedly for an medical emergency service but I nor any family member went to the XXXXXXXX XXXX this past year. Furthermore, I do not recognize the supposed location where this medical emergency occurred. I was not surprise to find out XXXX XXXX XXXX XXXX XXXX did NOT produce a website page result in a XXXX search. Next when I went to inquiry and reach out to the ARS Account Resolution, it became apparent to me that this was a complete fraud and was simply an attempt to defraud money for services that were never rendered. I am now very concerned that my identity has been stolen as this person/persons had sensitive information. It is unfortunate that there are people out there attempting to fraudulently steal money from people who may be vulnerable to these types of schemes. Please advise as this has completely ruined my otherwise excellent credit score.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, TRANSUNION and XXXX the credit companies are not complying with their own policies in a timely manner.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
EQUIFAX, XXXX and XXXX the credit companies are not complying with their own policies in a timely manner.

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: NY

Complaint narrative:
Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I placed an order with wayfair. Immediately I got an email for the XXXX order # XXXX, XXXX sends me XXXX invoices for this XXXX order, afterpay invoice # XXXX and invoice # XXXX. After seeing I was double charged I immediately contact both XXXX  and XXXX. XXXX cancels the XXXX order in hopes it will delete both charges. XXXX redunds # XXXX but continues to charge me the duplicate charge, invoice # XXXX, making me pay the {$410.00} they glitched and defrauded me. It gets worse though, because I opened a dispute with XXXX, they disputed XXXX so XXXX credited both charges, and sent me a receipt of this that I provided to XXXX. Then XXXX fraud department found they were only ever sent XXXX payment by XXXX, but since they refunded XXXX, now they show the order outstanding and that I need to pay for it! So XXXX  not only double charged me, they got the refund from XXXX too that XXXX responsible for on that end, Ive sent Afterpay proof of my now outstanding balance with XXXX since XXXX  defrauded us both! Afterpay doesnt have a number and only gives automated responses that their waiting on the merchant refund which makes no sense in this case. Upon researching it, turns out XXXX  glitches and double and triple charges, never sending the money to the merchant, therefore the merchant having no record of it habitually. Then they give they just give automated responses. This company has been allowed to get away with blatant theft. It takes just a quick search to see how common of a practice this is for XXXX. I want my money credited, XXXX sick of XXXX playing XXXX like they dont know what XXXX saying even though Ive XXXX them proof of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.

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

Complaint narrative:
Well every time I called about a fee they said it was correct and I never got any of my my back so I closed the accounts

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: DC

Complaint narrative:
In XXXX I opened a checking account and had a lot of money missing from my account. Overdraft fees and fees for things I didn'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 2023-01-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022, someone broke into my truck, stealing both my wallet and phone along with a few less important items, headphones, chargers and such. 
After breaking my driver 's window and stealing my items, they made 2 purchase on my debit card, 1 for {$4200.00} and the other for {$220.00}. 
I filed a police report and reported the fraud to Chase Bank. When I filed my report with Chase Bank, I asked if they needed my police report and they said, if required, someone would reach out. 
Then Chase Bank denied my case, with no one reaching out to me. So I sent in the police report and receipt for fixing my truck window to ensure they had everything needed for my case. However, they denied it again, stating they are not responsible since they verified the cost through my phone, which was also stolen. 

Now, I'm not sure whay to do because XXXX essentially said they have zero responsibility, even though the purchase was verified through a phone that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
During the XXXX XXXX XXXX XXXX8 I had a problem paying for a mortgage. I did a loan modification. It took Wells Fargo XXXX years to modify my loan. Wells Fargo accumulated additionally {$300000.00} in fees and added to my mortgage as a second mortgage. I asked Wells Fargo many times to give me a break down of all the accumulated charges, and Wells Fargo declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received letter dated XX/XX/2023 from American Express that I applied for a American Express Gold Card and fortunately I was denied as to I never applied for the credit card. Someone is applying for credit using my date of birth and social security number. I did not apply and have no intention of applying for credit here or anywhere. I want this stopped. This is not the first time it has happened ; there have been other instances and I have reported to my local law enforcement agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a checking account will wellsfargo and they closed my account because they said it was fraud activity on my account and took my tax check XXXX my work check XXXX and my stimulus check of XXXX in XX/XX/2021 I am a victim of identity theft .and wellsfargo. Sent me a letter stated that and said they some one was trying too open up a new account in my name

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: AZ

Complaint narrative:
I was charged a overdraft fees even after I had linsuffucent funds available. Then they closed 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 2023-01-19 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo kept charging me {$35.00} overdraft fees daily on charges I never asked them to cover and they didn't cover. They charged so much it became overwhelming and my account was closed.

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