vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo sent me a letter about 3 years ago telling me I would receive a refund of {$7000.00} for the XXXX and fees that were over charged on my XXXX  XXXX XXXX XXXX XXXX never received my refund I did contact Wells Fargo and I was told my account was sold but Wells Fargo offed me a {$50.00}. check in with I did send 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 2023-01-22 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:
On a regular basis the company picks and chooses how deposits and pending payments and withdraws go thru causing lots of fees and wasted money. This happend to me all between XX/XX/XXXX and XX/XX/XXXX they gave me a one time waver of the over draft fee but it happend more than once they would take money out from transactions I made after I recieved my direct deposit but instead they cleared the charges first gave me a over draft fee with many transactions then cleared my direct deposit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Sometimes take money out 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 2023-01-22 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: AL

Complaint narrative:
In 2021 We had a business account and preform work for a customer who came in our business once the work was completed and saw it was completed we ran his debit card for the amount of XXXX and he then was given a receipt to him and we had a copy that he signed for our records to only to have the customer dispute the charges after he left our business. 
Wells Fargo then was contacted made aware of the situation but still took the money out of our account for two weeks we went back and forth with them. Then they put the money back in our account to only come back a month later and took the amount back out of our account after we thought the issue was resolved, then when we contacted them again about it they told us after a investigation was done that they decided in the customer behalf and there was nothing we could do they consider this issue closed. 
Let me add that the hole reason customer had a issue was bc he consider the bill to high not bc the work wasn't satisfactory but it was to much. Wells Fargo then left us without the XXXX but also put us XXXX overdrawn in the account to go against us and our business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My account has had double purchase and payment deductions on more than several occasions throughout my business savings and personal accounts along with overdraft fees. 
This company has been very cunning and tricky with the accounting summary. 
VERY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've used Wells Fargo and was subjected to fines and fee even after closing 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 2023-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : Capital One account number XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr XXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Money was taking out my account due to scams & fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They over charging me I tried to dispute a transaction where they over charge me server time with a rental car company an they was tell me that I cant when its wasnt clearly my fault now they i constantly calling me about a overdraft on my checking account with like XXXX dollars an 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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
WELLS FARGO- False advertising of auto loans, poor to bad credit ok! I remained at the same job for 12 years, great income, customer service kept saying I would be approved and denied and denied over and over again for a {$22000.00} auto loan on a brand new car, I applied for this loan in XXXX. I spoke with numerous different departments and was jut ran in circles. Countless hours wasted on hold!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: 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: AL

Complaint narrative:
Last year late XXXX XXXX  wells fargo took money out of my account stating that i owned them money over XXXX advance for XXXX child tax credit. They took {$1500.00} in advance. It my account in the negative for XXXX weeks plus the still charge overdraft fees of {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Using the Venmo app I added {$200.00} from my bank account, it never appeared in my Venmo, so I call and they tell me it was refunded because of insufficient funds, I check my bank statement and I see that the {$200.00} did go through, the bank even charged me a {$36.00} overdraft fee for covering it. It was completed and finalized. None of this transactions appears in the Venmo app. I talked to XXXX different customer service employees but now I can't get a response. And also when they " refunded '' the money back to my account, the bank charged me a fee again. They took my {$200.00} out of my account without my permission then lied about it being there, I have all the bank records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I attempted to make an order on XXXX using PayPal as my payment. The payment was to be in part from my PayPal Balance ( about {$160.00} ) and in part from a credit card stored on and used through PayPal ( about {$100.00} ). 

There was an error in the process of placing my order and I received an error code from the website stating the order did not process. However, when I checked PayPal, my funds were removed from my PayPal account and a hold for the {$100.00} was placed on my credit card ( confirmed through my XXXX app ). 

The next day I contacted XXXX to be sure the order had not gone through. They assured me it had not and they had no access to my funds as the order had not processed. 

I attempted to contact PayPal via phone to check on the status of when my funds would be released. The customer service phone line provided an automated message that there were no customer service representatives available by phone and a chat through PayPals website was the only way to resolve the issue. I have received the same exact message on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at varying times of the day, even after a customer service representative online through PayPals chat told me I should call in for help AND a supposed PayPal Supervisor through chat also suggested I call in for help. 

Every day- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have contacted PayPal through their support app to try to get my funds back. Everytime they have stated it is on the merchant and told me to go back to the merchant. PayPal states they can not give me my funds back until XX/XX/XXXX and only the merchant can do it prior. 

I have called the merchant now twice and been assured that due to the website error they in no way have access to my money and can neither claim the funds nor refund them as they never gained access to them. 

PayPal refuses to return my funds to my PayPal account or take the hold off of my credit card until XX/XX/XXXX, nearly a month after the error in taking my payment. My only recourse is to continue trying to get them to take action through their PayPal chat which can take hours for a response, is always from a different person who had clearly not read the entire string of communication, and never results in any progress towards my refund. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: MS

Complaint narrative:
Well when I first purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles with a Trade in Allowance of {$9100.00} for my Previous Vehicle XXXX XXXX XXXX XXXX miles and a down payment of {$3200.00}. I were told that I had a 3 year Warranty with my payments at {$450.00} but my payments were {$550.00} Although I said that I would just pay an extra {$100.00} towards Principal and Interest didn't know the {$100.00} I mentioned I would pay extra was already being included. Interest of XXXX % and daily interest of {$7.00}. So with paying {$100.00} more every month of {$650.00} over a year my Principal and Interest started to be applied and my Billing Statements were in the amount of {$350.00} sometimes {$150.00}. In XXXX I remember calling in to make a larger payment of {$1900.00} but were told I could only pay XXXX  months at a time. My monthly payments were lower by then to {$540.00} with an interest of XXXX % and daily interest of {$5.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
They keep blocking my account I could not put money in my account and they kept giving me over draft fees now I can't get in my account at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: MA

Complaint narrative:
{$1800.00} settled and paid for lesser amount back in XX/XX/XXXX it is now XXXX XXXX please have it removed Ive called the company already about this and they said it should be off by now but they have done nothing to Help speed up the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Go back in 2015 I was homeless I had nowhere to go and I had an account with Wells Fargo and they claimed that I use my account when my wallet and my car was stolen so I had no access to my account and when I tried to ask my account they told my account was being closed because of project activity that I did not do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NJ

Complaint narrative:
In a matter of 60 days my Wells Fargo XXXX checkings account was XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been a Wells Fargo customer for many years and am constantly charged overdraft fees because they dont credit my account on time when I make a deposit and a recurring payment may need to be paid. I feel this is intentional to get extra money from their customers. Please add me to the class action suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My XXXX  checking account was explained to me in a way that was not accurate. I was informed that debit transactions would be fee free however that was not the case. I addressed this with the bank and they informed me that they did not tell me that. I feel I was bait and switched so that I could sign up for extra accounts that I did not need as the bank said it was mandatory but I later found out it was not. After years of back and forth and different stories I closed 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the middle of the first semester of 2022 I was the victim of fraud, money was withdrawn from my account through an ATM that was not from Wells Fargo, I made the claim and mentioned that they can verify all my transactions and I never use an ATM that It is not from that bank, they immediately reported the card to me as cloned and I specified that at all times the original card was always with me, a week later the bank claimed that it was my fault and that it was due to an oversight. no one else responded for that, now I read in the news about thousands of people who have been victims even of fees that do not correspond and can make this complaint, I do not intend to take advantage of any situation, I just believe that I am doing the right thing, I dedicate myself to selling hot dogs and it really is hard earned money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo allowed businesses to withdrawal from my account after already receiving notice the services were terminated. Then, wells Fargo turns around and charges me for the amount annnnnd the {$35.00} overcharge fee! They opted me into overdraft protection that I never signed. They put it in bold letters in a bank statement electronically with no way to put in my input. My accounts have been severely overdrawn and they want me to reimburse them for something I didn't opt for in the first place.

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