vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has charged me an egregious amount of overdraft fees this past year alone - {$590.00} in total across two accounts. On one occasion, they charged me {$35.00} for a {$15.00} overdraft. 

I am a hardworking student, just trying to finish school and enter the workforce. I can not afford to pay a luxury credit fee for a few overdrafts that Wells Fargo approved.

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

Complaint narrative:
I was scammed and they blamed me and cancel my whole 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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies Transunion and XXXX for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Interest rate starting at 3.99 when account opened. Then increasing without my knowledge to 29.99 %. Very alarming amount. I would like to close this account and remove the high interest rate.

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

Complaint narrative:
I found an article and wanted to see if I have a part of it since I was with Wells Fargo during those time frames!

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY CHILD SUPPORT CASE SHOULD NOT BE ON MY CBR AS THERE IS NO PERMISSION FROM THE COURT TO PUBLISH THIS INFO ITS ALSO INACCURATE I WAS NEVER LATE IN XXXX AS I AHD FULL CUSTODY AND HAVE HAD IT SINCE XXXX AND ALL THOSE LATES SHOULD BE REMOVED IMMEDIATELY

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 — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America needs to be held accountable for the accountability for financial resources, for faithful compliance. Their Reliability of managing account failed MANY on XXXX. They disturbed many lives including mine. Bank Of America failed The Principle of Regularity, Consistency, Sincerity the performance of methods, Prudence & CONTINUITY. The MOST IMPORTANT OF UTMOST GOOD FAITH.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  act # 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 604 A sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX through this complaint process stating that they would provide me with a single point of contact since they have made many mistakes throughout my mortgage process including but not limited to refusing to honor the removal of my PMI, providing me incorrect and incomplete information about the removal of my PMI, and failing to provide me with a full letter capturing the removal of my PMI. 

XXXX. I was given a single point of contact, XXXX XXXX, at phone number XXXX ext XXXX to speak with directly regarding my mortgage going forward. On XX/XX/XXXX at approximately XXXX I called that number, and there was no occasion to enter an extension. I then asked the person who answered how I could speak to XXXX XXXX. I was given the same number I had just called, and the same extension. I told him that this was how I had reached the person I was currently talking to. I asked how I could reach XXXX. The individual I was speaking to said I could call XXXX ext XXXX. I called that number the same day and approximately the same time, and it was the exact same answering service as the XXXX number, similarly without an opportunity to enter an extension for XXXX XXXX. This time, the person who picked up either immediately hung up or disconnected, so I could not ask how/when to enter an extension or how to reah XXXX without this answering service as promised to me in XXXX XXXX ' outcome letter dated XX/XX/XXXX. 

XXXX. On XX/XX/XXXX I was given a letter that stated my PMI was removed and that the letter also included " a new XXXX Analysis which reflects your new payment amount and the next due date. '' This was not included. I asked for a copy of this letter in writing on XX/XX/XXXX, again in my written complaint to CFPB on XX/XX/XXXX, and again in a phone call to XXXX XXXX on XX/XX/XXXX in my call with XXXX at XXXX. Each time I was not provided with a copy of that letter. UndeXXXX XXXX XXXX I should have received a decision letter and my new payment amount in my XX/XX/XXXX letter. I still have yet to receive it.

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 — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged fees for two or more years for having less than a minimum in my checking account. Wells Fargo NEVER notified me via mail or email! I never received any statements alerting me of the charges.

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 — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Both XXXX and Welks fargo have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. XXXX was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.

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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo took overdraft fees between XXXX and XXXX when I was supposed to be signed up for overdraft protection. They also didn't close my account in XXXX, and notified me it was still open when I tried to create a new one 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 2023-01-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Theres fraudulent accounts thats reporting to my Equifax and XXXX XXXX credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.

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:
I had many over draft fees applied to me and then I later had to pay the over draft fees cause my account went to collection. But I paid hundreds over the original amount.

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: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
These extra overdraft fees plus freezes on the account which caused other fees took place from XXXX XXXX XXXX  forcing me XXXX close my Wells Fargo accounts.

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: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX I called and tried lowering my APR of XXXX but they refused. I have been buying and paying my credit card with the same APR I have been a customer of Wells Fargo since XXXX and they have not considered lowering my charges. I feel like Im a valued customer to them! Ive paid so much interest charges thought out these 13 years!

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: PNC Bank N.A.
State: CA

Complaint narrative:
I have not heard anything further from PNC. The initial reply was incomplete and I replied on XX/XX/22 with an explanation as to why. I replied to the Executive Office and nothing. 

I wish for the CFBP to be more proactive and help me get this handled. 

Original complaint - XXXX This is terrible service from all.

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 — Cashing a check
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I change a check but days later Wells Fargo withdraw my money and they day it was because somebody else change my check I go there a lot times but they say they Can not do anything

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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 convictions of crimes which antedates the report by more than seven 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 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: NC

Complaint narrative:
I was charged overdrafts fees multiple times, sometimes for the same charge

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: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We had a Wells Fargo home loan and we want to know if we were affected by the settlement

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: SD

Complaint narrative:
On behalf of Wells Fargo Bank cases, my husband and I had our house in foreclosure on XXXX  and we lost it cause they didn't gave us options. 

Also I had a scam that they charge me the amount of XXXX and froze my husband account because 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have adjustable mortgage with three and a half percent Wells Fargo did not do the agreement and charge me seven and a half percent I lost a lot of money more than 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BEACON FINANCIAL CORPORATION
State: CT

Complaint narrative:
Berkshire Bank received wire XXXX XXXXXXXX at XXXXXXXX XXXX. on XXXX XX/XX/2023. Their policy states that cash deposits and wire transfers are available immediately. However, they said it had to " process '' and the funds were not available the same day. This wire was a payment for a new vehicle which I was not able to get on a Friday and I sustained three days loss of use.

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: MI

Complaint narrative:
Experian has this account open its needs to be deleted. The open date is isnt correct and the file was to be deleted by the creditor. 

XXXX XXXX XXXX  XXXX 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 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 — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 my wife drew a {$5000.00} check, no. XXXX, payable to XXXX for my life insurance policy premium, and drawn on our joint checking account at JPMorgan Chase Bank , N.A . ( Chase ) XXXX XXXX XXXX, XXXX XXXX  NY XXXX. My wife mailed this check to XXXX that same day, but the check was apparently stolen from the mail. 
We were unaware of any problem with this check until we received a XX/XX/2022 letter from XXXX to me, advising that We have not received your annual premium payment that was due on XX/XX/2022 and that my life insurance policy had therefore lapsed. I verified that check no. XXXX, including an image of the front of the check only, did appear on our most recent Chase statement, but XXXX insisted that it had not received payment. 
I therefore ordered a front-and-back image of check no. XXXX from Chase. On receiving a copy of both sides of the check, I noticed that the back was endorsed with a scarcely legible signature, XXXX XXXX XXXX, or something close to that. It was not endorsed to the payee on the front of the check, XXXX. 
I showed check no. XXXX to Chase XXXX  XXXX XXXX XXXX, at the branch at XXXX XXXX XXXX, XXXX XXXX  NY XXXX, on XX/XX/2022. XXXX XXXX agreed that the endorsement was a bad forgery and added that he did not understand how the check was ever accepted in the first place. He said I would receive credit within 90 to 120 days and asked me to fill out a Declaration of Unauthorized Endorsement or Altered Item, which I did. 
It has now been 120 days but I have received no credit, and only further evasion, from Chase. XXXX  a XXXX from Chase at XXXX ext. XXXX told me, falsely, that Chase was not liable for the check and that my only remedy was against the depositary bank, reportedly XXXX XXXX  in California. He also told me that Chase was pursuing XXXX XXXX, and asked me to wait another 90 to 120 days while it did so. XXXX admitted that he could not tell me when, or whether, I would receive credit for the altered check. 
Chase has no excuse for debiting my account for a stolen check that was not endorsed by the payee or even in the name of the payee. Ultimate liability for the stolen check may be with XXXX XXXX  but Chase is liable to me for the {$5000.00}, with interest. I respectfully request that the CFPB order Chase to pay me this amount.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX are listed on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries may be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from 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 non-monetary relief