vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
INDIGO-XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I think it was about XXXX thru XXXX. I had a checking account and a savings account. I'm a vet and was getting a XXXX check from the government, most would go to my checking and I would have a certain amount go to my savings. I started noticing that my numbers were not adding up right. I moved some money from savings to checking a few times because of some family issues. I noticed that they started charging for moving my money and it was very high amounts. Once I had to get some medications and I knew it was going to take about everything I had in my checking account, so I moved XXXX from savings to checking so I wouldn't get an overdraft fee. The next morning I checked my account and they had charged me over XXXX dollars just for that one transaction, it kept happening over and over. I lost over a XXXX dollars before I could get my account closed down. I was never reimbursed for the ungodly amounts they were charging me for simple transactions.

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: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Hi : Good afternoon. My name is XXXX XXXX and I am writing in reference to an issue of a returned check on my Wellsfargo account. I have been a customer of Wellsfargo since 1998. 

I wrote a check to " XXXX XXXX '' for {$55.00} and this check was presented twice to Wellsfargo and on both occasions, the check was returned to the merchant without any negative balance ( - {$55.00} ) showing on my account. Prior to this, I was notified by Wellsfargo about a new policy that gives customers XXXX hours to deposit funds in their account before checks are returned to the merchant. This new policy from Wellsfargo is a great idea but I just discovered in my instance today, that this policy is dependent on whether they feel like paying the check or not. 

I just called the Wellsfargo customer service number and this is what I was told. I initially I spoke to XXXX, and then had this escalated to XXXX XXXX. Her reasoning did not make sense since this to me is a clear case of " bait and switch ''. I was then referred to XXXX XXXX at the Executive office and I decided to write to you. The assigned complaint # XXXX was given to me by XXXX. The case # XXXX was assigned to me by XXXX at the executive office. I now have to drive to XXXX XXXX and take care of this in addition to paying for their returned check fee and the embarrasment of this issue. 


Why would a bank institute such a great policy but then decide on a whim when they will follow through on this new policy. It's either they practice this policy or don't do it. I can be reached via email at XXXX. 


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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Wells Fargo account on my credit report that I didnt open and believe that Im part of the XXXX XXXX that where in the lawsuit for Wells Fargo

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 — Billing problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
XXXX contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TILA violations and request for Notice to Rescind contract. 
XXXX XXXX  Contacted Wells Fargo Auto disputing {$15.00} late fee before payment due and TILA violations in contract. see attachments XXXX XXXXXXXX Wells Fargo said more time was needed to research.. 
XXXX XXXX Wells Fargo responded with payment history showing late continued late fees. see attachments. 
Wells Fargo Auto and XXXX XXXXXXXX have not responded to the Finance charge error in the TILA that I.ve disputed. see attachment

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

Complaint narrative:
I had got a a deposit about XXXX XXXX and they closed my account and wouldn't give me my money but keep sending me overdraft fees but never gave me my 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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC
State: TX

Complaint narrative:
At the purchase of this car and subsequent loan on XX/XX/2022, I was promised repairs that did not happen, twice. At the test drive there was pulling at the steering wheel and a jerk when you accelerate. 

The salesman said they can fix these issues because it still has to go through servicing and it could been done then. I waited 4 weeks and was called to pick up my car. During those four weeks I was contacted by the loan company and I let them know I did not have possession of the car and it was being repaired. I asked the dealership when the car was to be ready and for my contract paperwork and disclosures. They kept telling me in a few days and to tell the lender I had the car since it was already paid for. Naively I did yet no repairs were made in those 4 weeks. 

I was called to pick the car up in XXXX and I immediately called back to tell them the issues were still the same nothing had been fixed. They told me to drive back another hour the next day to bring the car back. I did and the car sat for another month and I was finally called and told that I would need to go to a XXXX dealership and use my warranty for the repairs I was promised at the purchase! 

I as very frustrated at this point because it was my first car and I paid {$22000.00} and {$5000.00} down to make sure my family had reliable transportation. So I contacted their corporate office and received a call from a manager to come in and exchange the car. When I came back, again, I looked at a car I loved, credit was ran, again, and I sat and waited to be helped. I arrived around XXXX XXXX and sat there until XXXX. Salesman started to leave for the day. I had my family of XXXX with me so we stepped outside to let the restless children run around. The manager came out to ask if we needed something or had been helped. I explained to him and he told me I was upside down and they couldnt do anything. That was it. After all of that, he told me nothing could be done. 

Additionally, no disclosures were sent to me. According to the truth in lending act I should have 2 copies of disclosures sent to me after purchase to know my rights. 

The dealership fraudulently secured my purchase.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT

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 — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX I opened Acct XXXX with Citizens Access using a XXXXXXXX XXXX check for {$8000.00}. 2 Days later Citizens access later closed my account without telling me why. 

I called Citizens 4 different times and each time I was told that they could not refund the money to directly. XXXX XXXX  would have to fill out a 'form ' and request that funds back on my behalf. 

I called XXXX XXXX  3 times and each time was that there is no 'form ' to fill out. 
It is not something XXXX XXXX does once funds clear ( which they did on XX/XX/XXXX ) So Citizens refuses to return the {$8000.00} to me. 
XXXXXXXX XXXX say they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
They left a voicemail not addressing me or anyone in particular didnt mention anything other than to call them back, after googling the name Apex Asset Management I realized they were a debt collection service, I tried to contact them to avoid any negative outcomes on my credit history, I was put on hold then I could clearly hear people speaking in the background and then I was hung up on, most of the reviews seem to be from upset customers, im unaware of any debt I hadnt paid, I cant gain any further information when they refuse to speak over the phone

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$87.00} from my transactions below? 


CASHED/DEPOSITED ITEM RETN UNPAID FEE - XX/XX/XXXX - {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX *XXXX  - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} XXXX XXXX  CLUB FEES XXXX XXXX - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$15.00} Thanks a ton, 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 monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CO

Complaint narrative:
Over draft fee incorrect

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CMM Finance, Inc.
State: AL

Complaint narrative:
CMM finance denied my request for a week later payment so they enforced a tow truck to repossess my vehicle they even followed me to the store where he hooked my vehicle to his truck with my family in it. He XXXX  me and my family, he was unfair and XXXX. He and XXXX XXXX has put my family and I through horrible conditions and has left us traumatized. He also called the police which was very unnecessary being he was In violation ( XXXX XXXX XXXX ) and Very unprofessional

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
All approved credit on spot in store. Set up delivery set up at same time. Short time later Wells Fargo ET AL called my wide who is XXXX my XXXX XXXX XXXX XXXX XXXX XXXX to let her know the credit was DENIED BY WELLS FARGO ET SL. They told XXXX XXXX & my wife They do not know who i, XXXX XXXX, is/am & that i do not any accounts with Wells Fargo ET AL .

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: WI

Complaint narrative:
I have received repeated calls from this number for more than two years. The latest was today, XX/XX/2023. No message is ever left. I have even blocked this number, but the calls continue. After investigating this number, I discovered that they are a law firm named Linebarger, Goggan , Blair & Sampson. This particular phone number is out of XXXX and concerns collecting of unpaid parking tickets in the city of XXXX. I find this VERY strange as I live in XXXXXXXX XXXX and have never once parked my vehicle in the city of XXXX. I do not know how they have obtained my telephone number, but I believe this to be a complete scam and want these calls to immediately stop.,

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a customer with Wells Fargo for over 20 years, and Wells Fargo has charged me an over draft fee on {$1.00}. and change. If the bank pays out less then a couple of dollars there is no reason I should be charged {$35.00}. I was extremely disappointed that I was a customer for so many years yet still was charged an overdraft fee. When I called in to complain I was told I could get a partial refund. I think that was ridiculous as I was a long time customer and figure it's just a way Wells Fargo looks to make money off of their clients. It's no wonder this economy is the way it is. There is always someone trying to get over.

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: ALLIANT CREDIT UNION
State: MO

Complaint narrative:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - XXXX. XXXX XXXX XXXX XXXX. Alliant Credit Union XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was very disturbing as I am not aware of any of these enquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Last year I was served eviction papers, landlord agreed to work with me under moratorium mandate, they agreed to compensate me upon moving out, and Im doing so no debt would be owed, no additional fees, and that it would not be held against me in anyway. Also, upon receipt of the funds from XXXX XXXX housing the landlord was to retain the amount designated for back rent and cut me a check for the portion of funding I that was allocated for a security deposit and past due utilities. Ive been trying to get ahold of the landlord for months and had no response, I recently received correspondence from a debt collector demanding over {$14000.00}. I attempted to rectify with the 3rd party collectors. XXXX refused basic service, he refused to provide any correspondence stating I was disputing debt, he refused a supervisor, refused legal department contact information, and refused to assist in anyway overall.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Our mortgage was sold to LoanCare in XXXX of XXXX. We immediately received a disbursement from our escrow account from an overage they incorrectly calculated. Our property taxes are due semi-annually and the first analysis they performed they assumed the property taxes were only due annually. In the past 2 months we have had to request 4 more analysis and/or escalations as we have property taxes due XX/XX/XXXX. As of today, XX/XX/XXXX our escrow account is still wrong, we are being sent a second overage check of our escrow account, and our property tax disbursement is still not scheduled until XX/XX/XXXX. Our escrow account is now so underfunded that it is only half of the balance for our property taxes due in less than 2 weeks. On my most recent call they noted that the taxes are handled by the 3rd party vendor and they were not able to do anything for me without a few day wait for the vendor to look at our taxes again. They promised that they would be liable for any fees assessed by XXXX XXXX, but I am not able to get that in writing.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have had a General Motors ( GM ) rewards card for more than 15 years and have never had any problems until Goldman-Sachs took over the rewards program connected with their Marcus Mastercard. Recently I learned that the awards that I have been accumulating for a number of years are now being removed from my account. I was told by GM from the very beginning that the awards would never expire, yet Goldman-Sachs has removed hundreds of dollars so far and stated they would continue to take regular monthly amounts until it reaches {$0.00}. They claimed that they could do this because I haven't used any reward dollars to buy a new car for over seven years. As I stated before this was never the case until now. Furthermore, I actually did purchase a new car well within the seven year restriction. The previous amount of reward dollars was approx. {$4700.00} and is now down to {$4100.00} and has been steadily dropping for the past year. I only noticed this recently as I have always been treated fairly and didn't suspect anything until this month. ( XX/XX/2023 ) I received no notification prior to their actions. I have contacted them several times regarding this matter, most recently on XX/XX/2023. After a lengthy discussion with customer service I was informed that the agent couldn't help me and that he would refer it to the appropriate department and that they would call me in " a few days ''. That was exactly two weeks ago today ( XXXX XXXXXXXX XXXX ) and I have heard nothing. 
In summary my complaint is based on : 1 ) That Goldman-Sachs has arbitrarily changed the original terms to my credit card agreement. 
XXXX ) They took these actions without my prior knowledge or consent. 
XXXX ) After repeated attempts on my part they have not acted in good faith to resolve this issue.

Company response to consumer: Closed with explanation