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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had Wells Fargo within the time of XXXX and believe I am owed reimbursement of fees charged to my account in that time.

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 — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
I was attempting to rent a room from XXXX but there was fraud. I was skeptical of the payment issue however the disclosures with Wise, the company I am submitting a complaint on, state that I could cancel within 30 minutes unless the money has been paid out. In the disclosures it states it usually Takes up to 4 working days. Because of this, I submitted the transfer with the understanding that I would have a cancellation window to verify the transaction. After confirming there was fraud. I attempted to cancel within minutes and was told it was too late because the money was sent in 4 seconds. I find this deeply misleading and unfair as it is clearly impossible to cancel in 4 seconds and the disclosures state that it takes 4 days. Now they are trying to hold me accountable while refusing to acknowledge that their process is deeply flawed.

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: SC

Complaint narrative:
Recently, I made a deposit for trading cryptocurrency, which went sideways. I actually made money from the trade, but now Im trying to get my money back. When I told Wells Fargo, that I believed I had been scammmed, because my money will not be returned to me, they said they could not help me. I believe that it is their job to help me recover fraudulent charges. If a customer has been scammed out of money, and the money has come from that bank the I bank with than it is their job to help me recover the funds. Please help me! Right now, I can not buy groceries or diapers and that is very upsetting!

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Ever since I opened an account with Wells Fargo I have had several claims of fraudulent on my debit card and reimbursed the transactions. Just recently several fees were affected to my debit card. And everytime Wells Fargo admits to false added fees to the debit card and immediately credit my card back this is several fees that have already been made and Charged.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
A few weeks ago I sent letters to all XXXX 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 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
A few weeks ago I sent letters to all XXXX 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XXXX I received an email from Synchrony about my automatic payment. I opened it up and saw they pulled the entirety of my card balance out of my account. I called immediately because that was not how I set up my automatic payments. They said they could not refund the money at that point. They said they would turn off the automatic payments for the future. My checking account was negative. I called my bank and they thankfully put a stop payment on it. 

The next month it pulled again. My checking account was negative again. I spoke to a chat representative who said he could only refund {$50.00}. Which did not make sense as it had just pulled over {$500.00} from my account. I said that was unacceptable. He abruptly said " sorry '' and ended the chat. I called in at that point and spent over an hour on the phone. The rep I spoke to saw that the notes indicated I had stopped my auto payments but it was still on. They issued a check to me ( I had assumed it would be an echeck ) but then stated it would take 15 days. I asked them to cancel that and I would again call my bank to put another stop payment on it. I spoke to XXXX different reps during that time and XXXX of them stated they would cancel the check. 

I check my balance the following month and see that they have added the check that they assured me they would cancel to the balance I owe. I have since had them remove it but I'm afraid it will incur interest for the time it spent on my balance owed. If they can take payments out electronically, they should certainly be able to refund automatically. This feels shady, an they do this to many others, and they get to ( probably ) collect interest on these amounts for the 15 days we wait for a check.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I'm not able to get a loan or anything because of things on my report shouldn't be there.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My Aunt died in XXXX of XXXX. As XXXX of my aunt 's estate, Wells Fargo locked me out of my aunt 's home during listing in XXXX, denied that they locked the house even though their letter was posted inside the front window, I went through all required steps for weeks to get the issue resolved. Wells Fargo called me a liar, denied photo evidence, visited the site and blocked my ability to sell the property then foreclosed the loan. I had Escalated Teams assisting. The team member quit returning my calls after the lockup. They state loan acquisition XX/XX/XXXX. This caused me to not be able to sell the home, satisfy the loan or produce sufficient funds to allow disbursement to devisees. To say that was a horrible time in my life is an understatement. Wells Fargo disallowed me the chance to meet her dying wishes and destroyed my emotional health. The home loan was XXXX the assessed value was XXXX in 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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Monday the XXXX of XXXX My roommate and I found a beautiful home so she messaged the guy ( XXXX ) to tour the home. We get to the home and call the number that was provided. He ( XXXX XXXX answered and walked us through the lockbox to be able to get into the home and see it. We love the place and wanted to put a down payment so it could be ours and we could start moving in. We paid the man ( XXXX ) {$800.00} for the deposit, through Wells Fargo XXXX, on the XXXX of XXXX, because we fell in love with the home. The very next day we received a call from the REAL renters of the home stating we should be wary of scams. That's when we knew this guy ( XXXX XXXX had just scammed us out of {$800.00} dollars. We now need that {$800.00} dollars to put towards a real place to live. We called Wells Fargo to submit a claim, but was then told that the bank made " no errors ''. Like yeah, duh. We got scammed we voluntarily gave someone money to be able to live at a place we thought would be our next home. We asked the guy ( XXXX ) to give us our money back but he now wont respond to our messages ( GO figure ). Our lease is up soon and we now have no money to put towards a down payment for a place to live.

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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Donut, Inc.
State: LA

Complaint narrative:
Donut is an application that offered a 5 % return on savings accounts through what they called decentralized and collateralized lending. They materially misrepresented themselves as diversified and safe when in actuality, 95 % of their assets were loaned through XXXX, which just declared bankruptcy. As a result, do not users have been locked out of their funds since XXXX And are being told that it will probably XXXX more months before they have access again. Their XXXX and websites still advertise them as providing a great return, and having easy access to your money, yet theyre holding everyones deposits hostage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: AL

Complaint narrative:
Funds were being withdrawn from my account in a city 4 hours away, and caused my account to get overdrawn on multiple occasions. Wells Fargo never did anything to help me when I reported this on my account. I closed my account in 2016.

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 credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
In XXXX of XXXX, during a routine security clearance investigation, I was made aware of a credit card account in my name opened on XX/XX/XXXX. This account charged over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX. These charged were made across California, Florida and Texas. At the time, I was completing pre-deployment work-ups in XXXX, VA and XXXX XXXX to the XXXX XXXX XXXX I provided this information to Barclays Bank XXXX Delaware, to include a letter from my ship on Command Letterhead showing that I was XXXX, however, the Bank 's response was that the application had my correct information, therefore I was liable for the charges. This communication occurred in XX/XX/XXXX. The bank provided me with the application and charges at this time. Upon review of the application, I saw that while my name, address and DOB were correct, all of the other information, to include phone numbers, email, and mother 's maiden name were incorrect. I reached back out to the bank via XXXX, but the bank again stated that this was not enough information to exonerate me of the charges. Finally, after repeated attempts to ascertain what information would be sufficient to indicate these charges could not and were not me, the bank stopped returning my phone calls. I am attaching my correspondence with the bank, my letter from my ship, the balance statements, and the application to support this claim.

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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My TD Bank USA/Target Credit card is reported as CLOSED on XX/XX/XXXX to XXXX however it was XXXX  days late reporting closure on XXXX  instead of the prompt mandatory XXXX XXXX and FCRA required automatic reporting on XX/XX/XXXX. As oXXXX XXXX, this Closed account still has not been reported as Closed to XXXX and the last reporting was XXXX in willful violation of XXXX XXXX and FCRA protocols. TD Bank was required to report XXXX to XXXX on XX/XX/XXXX so it is now XXXX days late. XXXX was required to be reported simultaneously to every CRA on 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I do not have exact dates on when I called customer service to resolve unnecessary overdraft fees & trying to get reimbursed.

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

Complaint narrative:
There's a lawsuit against Wells Fargo about overcharging customers fees and penalties applied incorrectly during XXXX I want my account to be checked to see if it was impacted cause I had financial issues during past years my account was over sometimes bank charged me 4-5 tunes overdraft fees of XXXX  dollars same day even at items if XXXX dollars. I think that practice unfair and abusive.

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 2023-01-21 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:
I opened an account with Wells Fargo and then I went to XXXX. While in XXXX money was withdrawn from my account and it was overdrawn without my knowledge. Wells Fargo did not help or try to get my account back in good standing. My account was closed while I was in XXXX in 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX I open my checking account and in XXXX Wellsfargo accuse me of putting a fraudulent check into my account and in XXXX they sent me a measly {$500.00} that was not enough for the mint to anguish and the embarrassment and they just hit me just really upset at that time I was XXXX XXXX XXXX. I am XXXX now I would like to get at least $ XXXX {$7500.00} from that what I went through because they reopen my account back in XXXX and sent me that the measly {$500.00} I think and I know I should get more than that

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 — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
I leased a Vehicle from JD Byrider ( CNAC ) and the whole process was fraudulent feeling, and Wrong id later find out. They over charged me on a XXXX XXXX XXXX that was faulty basically rigged up for the sale. But i ended up paying XXXX XXXX XXXX  for a vehicle i only gotten to drive for 4 months or so. I called multiple times to fix the issue and was bullied and and taken advantage of bc of my lack of knowledge of cars and buying cars. They knew it was my first vehicle and i was desperate bc i wasnt having very good luck with finding my first vehicle. They tried to charge me XXXX dollars plus intrest on a vehicle that blue booked XXXX to XXXX XXXX in great condition ( the vehicle i leased was not close to good condition ). I ended up paying XXXX dollars the majority while the car was broke down in my driveway for way too long. I was told they would fix it or trade in if i could drive the broke down car to them from 5 hours away which they knew and had only said that after i told them i couldnt and that car was my only transportation. ThSo i was threatened about my credit and intrest on my loan if i didnt contenue making payments on the then broke down car. So i did for way to long. They finally towed the vehicle back to the shop after 7+ months of us going back and forth. They had no attentions on letting me trade it for a diferent vehicle or fixing it and letting me continue making payments like they said and said was their policy they kept the vehicle then hit me with the bills like they had planned when they shook my hand on the " sale ''. Next thing i know im in debt with them no vehicle and credit took a hit and havent been able to get a vehicle from a decent lot in years bc the mark on my credit. I want my money i spent on XXXX XXXX XXXX  repairs and payments on a haunted house with new fancy curtins. They could have atleast traded the vehicle for a different pos like they said they would. Ive been denied more times then i can count or over charged bc of CNAC JD Byrider. Killing my credit lost my job bc of transportation and draining my pockets. This was in XXXX through XXXX in XXXXXXXX XXXX  at JD Byrider my name is XXXX XXXX

Company response to consumer: Closed with explanation