vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I try to cash my checks from work and they have held my checks causing me late on payments XXXX weeks in a row. As well as when I first joined Wells Fargo the amount of fees I received for low funds is ridiculous. I havent had a worse time with a bank. And Im definitely getting another bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had an account for me and XXXX in my daughter name and never received my 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 2023-01-21 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: TX

Complaint narrative:
As per the recent article Wells Fargo between XXXX and XXXX has a settlement between {$3.00} XXXX and I was a customer during this time. I feel like I am owed compensation for their errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My issue is with Chase XXXX Bank credit card. I reached out to CFPB regarding a settlement but Chase refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, XXXX. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir/Madame- I am a first time home buyer. 

I bought my home in XXXX. Wells Fargo Bank was the mortgage holder. 

In mid XXXX, apparently my home owners insurance expired. I had no idea it expired because I never received notification about it expiring. 

Wells Fargo Bank required me to accept their insurance carrier at a cost three times what I would have been required to pay for two years ( XXXX to XXXX ). 

This requirement by Wells Fargo Bank was improper and the bank provided no guidance or assistance to me in reference to obtaining the required home owners insurance. I later discovered a class action suit focused on Wells Fargo Bank 's forcing their home owners to accept their insurance took place. I was informed after further investigation that Wells Fargo Bank mortgage home owners received compensation but I was never notified about the class action suit, nor did Wells Fargo Bank ever informed me of the suit. 

Recently, in XXXX, Wells Fargo Bank did a home owners appraisal of my home. The bank appraiser stated in the report we had a two story home but our home is three stories. I notified the bank about this error and the bank said do not worry about it because the appraisal was a procedural requirement due to COVID refinancing. I later determined the appraiser used comparable homes as far away as 20 miles from my address for comparison. I informed Wells Fargo Bank of this improper appraisal and they have yet to respond. I notified the bank approximately one year ago and recently sent them a e-mail reminder two months ago with no results to correct my appraisal or to do a new one. 

The latest appraisal came in over XXXX XXXX dollars less than what average smaller homes with half the square footage of my home in my development sell for, therefore, drastically decreasing the value of my home. I am a XXXX XXXX and I reside in the XXXX, Georgia area and there is a pattern of appraisal discrimination resulting in decreased values of property. 

I am seeking compensation from Wells Fargo Bank as my mortgage holder and an apology form them for their failure to respect my request to correct and complete a proper home appraisal in accordance with the State of Georgia requirements. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I made payments regarding my account, the money was never taken out in time which caused me to have a overdraft, and then I had to pay an overdraft fee in hundreds of dollars. I would call the bank an complaint they would credit some but not all. I eventually open another account somewhere where elses. I keep this account open but not as my main 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 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX  Credit card is reported as CLOSED on XX/XX/XXXX to TransUnion however it was XXXX days late reporting closure on XX/XX/XXXX instead of the prompt mandatory XXXX XXXX  and FCRA required automatic reporting on XXXX As oXXXX XXXX this Closed account still has not been reported as Closed to XXXX and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX XXXX  was required to report XXXX to XXXX on XXXX so it is now XXXX  days late. Closure was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my XXXX XXXX XXXX account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.

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 2023-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX  Credit card XXXX reported as CLOSED on XXXX XXXX XXXX XXXX XXXX  however it was 13 days late reporting closure on XX/XX/XXXX instead of the prompt mandatory Metro XXXX and FCRA required XXXX reporting on XX/XX/XXXX. As of XX/XX/XXXX, this Closed account still has not been reported as Closed to Equifax and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX Bank was required to report XXXX to Equifax on XX/XX/XXXX so it is now 30 days late. XXXX was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I apply for a credit card from Frontier Airlines. They offer me this credit card but they never told me about {$89.00} dollars fee. So, never used the card and I have to pay this money. Unexpected 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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was trying to rent a property at the beginning of XXXX, but after paying the first month 's rent and deposit, I still had not recieved the keys. I was offered a refund, but was never actually sent the money. I was reassured by my bank that i was protected on wiretransfers and that i would be able to get my money back in the event it was indeed a scam. On XX/XX/XXXX, I filed a claim with my Wells Fargo bank for exactly that, expecting it to be an open and shut case. After a month of waiting and calling for updates, I had not recieved anything. On XX/XX/XXXX, another claim was created in hopes of escalating it. I did not hear anything on that either. Around XX/XX/XXXX, I finally spoke with a second level XXXX who emailed the claims department for escalation, filed another claim in XXXX separate departments, and notified me that the first initial claim was filed incorrectly. It is now XXXX, and I was facing eviction because I was relying on receiving my money weeks ago to pay it. I have been struggling since I moved in the middle of XXXX because I've been waiting for my {$3600.00} plus the wire transfer fees. I have now accrued {$380.00} in over draft fees that they have only paid {$140.00} back and tell me I'm liable for the rest. Despite being told by the second level XXXX that those would be reversed when the claim was resolved. XX/XX/XXXX, i called and complained to the XXXX office and the filed another claim and immediately assigned it. This was the only case XXXX to ever contact me for more information. As of XX/XX/XXXX, they resolved the claim and told me they could not get my money back without permission from the thief to take it from his account. Completely going against what I was promised by a wire transfer XXXX before I ever sent the money. I was told they would be liable for any overdrawn amount because the money wasn't their 's to steal. Now I am told there is nothing they can do because the money isnt there 3 months later. I was told when I first filed my claim, that it would take 10 business days for them to complete. Had they done that, the money may have still been there, but they also can't answer me when I tell them the scammer shared with me a certified letter from wells fargo that showed the money was flagged and pulled for suspicious activity so he no longer had it, they did. So now they made a profit and are unwilling to reverse charges. My account sits in the negative as I refuse to deposit anything, because this is their fault and I can not afford to pay an unnecessary debt and make ends meat. My family has had to go hungry and cold throughout this entire ordeal only to come out the other side worse off. If I did not have a support system to help with my bills, we would certainly have gone homeless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2023, I reached out to Cash App to dispute a charge that I made on my card. 
( I reached out the XXXX several times via phone and email to no avail ) On XX/XX/2023, I received a notification from Cash App that the dispute was denied due to the merchant rendering the services provided. 
On XX/XX/2023, I requested the documentation that was used in the decision. When I received the documentation, the transaction stated that this was a rent payment, which is incorrect. 

The transaction was an administrative fee to hold the apartment for a complex that I was applying for. My application was denied so I contacted the apartment complex to refund the administrative fee that was paid to hold the apartment. After reaching out to the apartment complex and management company of the complex both via email and phone and not receiving any answer, I contacted Cash App since the transaction was made on the Cash card that I hold with the company. Cash App has denied my dispute and the reason they have given for the denial does not match the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
They was alway trying to take more fees out of my account making my balance lower for new things to come in and have to pay fee on new things

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: AR

Complaint narrative:
Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). 

I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX  with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
Well none of your options fit my problem. I went to ask my fnbo card a question but dialed wrong number. I already deleted number. They asked repeatedly for account verification and I told them everything. They made me listen to adds I became enraged and they hung up. In the morning I called the card again to complain of the call. They said I dialed wrong number and they had already declined charges they had put on card from the adds they made me listen to but assured me they would not charge me for but did. Fnbo advised me to file an identity theft report here.

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