vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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 had over XXXX deposited in a Wells Fargo account. That money disappeared so fast with overdraft fees and a negative balance. I do not believe the money was all spent in consuming thing but by the bank stealing money that I didn't owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express contacted a relative on XX/XX/23. I contacted the representative, XXXX XXXX at XXXX XXXX on XX/XX/23 where I was informed that they wanted to talk to me about a potential settlement. I informed XXXX XXXX that I have an attorney representing me for the handling of this debt, that said attorney has already sent a power of attorney to AMEX and that communications needed to be conducted via that attorney. I was told by XXXX XXXX that because my attorney works for a debt consolidation firm that AMEX would not be contacting them because they don't deal with debt consolidation firms. I thanked him for his time and discontinued the call.

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

Complaint narrative:
I was repeatedly overdrafted by wells Fargo when I had an account with them they would restructure my debits to make me overdraft multiple times. I.e. ti would purchase a soda at a gas station on Friday, gas on Saturday and then groceries Sunday which would over draft me they would then restructure those debits so that the groceries came out first and then the next two debits overdraft me twice. I saw there is a lawsuit and I was with them for over 10 years and would like to be a part of it

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Durring the week of XX/XX/XXXX my girlfriend, and roomate, was being scammed and money was being sent out of her account to me and a freind of her via XXXX. The scammer acted as a XXXX employee, send the fraud text with a link for her to contact ( she had 2 texts, one was real fraud text, the other was from the scammer, she had a 50/50 shot of choosing the correct link ). So over the next 3 days she believed she was in contact with whom we though was a XXXX fraud represetative. After 3 days, and about XXXX was stolen we realized he was not. He was scheduling XXXX payments to me and another and would call her saying that he had '' unlocked the account and to have your friends send you the money back '' so I obliged. Going through the XXXX process of inputting her number as I always do, her name appearing before confirming and sending. Well once the transaction was made it was to the scammer XXXX XXXX, who we do not know or have this persons number. As she gave him all her info he was able to update the routing number to deposit XXXX into his bank. 

Through my account about {$7500.00} was transfered in and out of it. I lost nor gained money from these transactions as I was sending them right back. My account was locked and I contacted Captial One on XX/XX/XXXX to open a fraud case with them ( ticket number XXXX ) and my girlfriend had a claim with XXXX ( ticket number XXXX ) and all was well. My account was unlocked and I had no issues, or odd activity on my accountsss. Well on XX/XX/XXXX I had a note in my Capital One App to contact them so I did. In this time they continued to question me and the charges even though a case was opened up with multiple banks regarding the events of XX/XX/XXXX. After a brief hold I was told I was under investigation, my accounts were frozed until further notice, and that I would never be able to bank with them again. They have offered 0 communication and screen my calls sending me to leave a voicemail keeping me completly in the dark. My accounts had a total of {$32000.00} before interest payments and I expect every cent of that back as I am not the scammer, nor was I involved with the scam as I did not have any additional funds in my account post scam, or do I have any other bank accounts with the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The dates in which I had multiple overdraft fees date consecutively within the past 5 years. I had also seen multiple withdrawals that later did not concur to my remaining account balance. Overdraft fees of {$30.00} and $ XXXX missing. There were times when they would make the deposit and then make withdrawals where the account balance would purposefully cause overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PCR Group
State: MI

Complaint narrative:
Complaints are with XXXX XXXX incorrectly reporting rental payment and status XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX for in accurately reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX XXXX XXXX  in XXXX Michigan lease denial XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX XXXX for their credit screening process/denial based on inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Adjustment Bureau is reporting a {$930.00} XXXX collection fee and incorrectly listed as an Eviction. I have had Legal Counsel involved which gave specific instruction to both XXXX ( XXXX XXXX XXXX XXXX ) as well as Account Adjustment Bureau. 

This was an early lease termination initiated by me the Tenant and not an Eviction as stated. XXXX failed to address several complaints or provide another solution regarding the unsafe/unhealthy living environment from Extensive Residential Drug by neighboring Tenants. My Apartment was constantly filled with XXXX and other XXXX  odors. After several failed attempts to address this with XXXX management, I gave XXXX proper notice, all rent was up to date and paid on time. 

This is affecting my ability to find a rental with XXXX XXXX  in XXXX Michigan. I I was refused a lease due to XXXX  credit screening. 

Please see attached letter from Attorney. Any additional supporting documentation can be provided

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S.C 1681 section 602. A States : I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S.C 1681 section 602. A States : I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
XX/XX/XXXX Hello, Around XXXX, I owned my first house. My loan was through Wells Fargo. During the time of ownership, I secured a Second Mortgage from Wells Fargo. In order to qualify for the loan, I had to open a Savings Account through Wells Fargo and put in {$500.00} in that account. 
One of the stipulations of that account is that I had to keep the 2nd Mortgage account open for a minimum of 5 years or I would lose my {$500.00}. 
As life happens, I got married and we sold the house. This sale happened within a year or two after receiving the money for the 2nd mortgage and I paid off the 2nd mortgage loan. 
I never received my {$500.00} dollars back from my savings account when I attempted to withdraw the funds. I inquired why they would not let me have my money back. I was told because I did not satisfy the requirement of the loan. I told them I paid the loan off early because I sold the house. 
They thanked me for paying off the loan but still wouldn't give me back my {$500.00}. I said to them, then keep the 2nd mortgage active until the 5 years are up. They responded they couldn't because I sold the house. I said, " RIGHT? '' So give me back my {$500.00}. They said they couldn't but I could speak to a Supervisor. I tried multiple times to speak with the male who was in charge but he was always busy or not in his office. He would not even return my phone calls. 
I don't remember his name. 
I know this is a long time after I had that account. I tried to get my money back, I tried to communicate, but Wells ' Fargo would not. They took my money and it is and was wrong then AND NOW. I ONLY WANT WHAT I PUT IN THAT SAVINGS ACCOUNT, {$500.00} Thanks

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
During a loan modification, due to loss of income because of accident, I made monthly payments of interest only to qualify for loan modification to lower payments. After 6 months of paying on time, I had to add an additional {$20000.00} plus estimated cost to loan and payment was not modified at all and full monthly payments went back into effect of about {$450.00} more per month. I don't understand why to qualify for loan modification of paying interest only on time paying roughly {$450.00} less per month for 6 months added {$20000.00} to existing loan.

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: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Account Was Closed Out Of Nowhere After I Just Received A Notice Saying My Account Was Still Active & Discrimination

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 — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was assessed a {$46.00} recording fee upon payoff of the home equity line. 
Per the agreement signed in 2007, all fees have been marked as being paid by XXXX ( Wells Fargo merged with XXXX at a later date ). Furthermore, at the time of the loan origination, a XXXX representative stated all fees/charges would be paid by the bank. 

The charge of {$46.00} taken upon pay off directly contradicts what is written in the contract.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I spoke with Milestone Credit Card Fraud this morning. I was told to fill out this form and Fax it to them.

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: FL

Complaint narrative:
Rent check bounce

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

Complaint narrative:
Funds wasn report as a fraudulent transaction based on a contract that was breached and initially reversed back to my account. Several days later even after providing proof of claim the bank sent my funds back to the woman that fraudulently scammed the money from me. A police report was made as well as complaint filed with the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a mortgage loan accounts with Wells Fargo. Between XXXX to XXXX. I applied for modification but didn't get approved to save wrongful foreclosures. I haven't received any settlement. Please advise. 

Thanks, R

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 — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I didn't know i had an account that was open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Just ridiculous overdraft fees and ridiculous ATM fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A 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 2023-01-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The account was opened on XX/XX/2019 and on XX/XX/XXXX they closed the account. the original loan amount was for XXXX they say I have a balance of XXXX I told them over and over the I wanted to return the car to get something different. The car salesman at the XXXX Dealership in XXXX NC forced me to keep the car and said they could not take it back. I left the car at my house parked and told them to come get it. The car would barely pull up a hill it made awful noises. They sold the car in an auction and I received a letter saying it was only valued at XXXX. I have asked for them to work something out and they will not. I just want this off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have anxiety over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the 30th day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.

Company response to consumer: Closed with explanation