vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to open an XXXX  account with Wells Fargo in XXXX of 2020 and after multiple attempts and being denied with no real reason we finally got approved but we're not allowed to open the account via our local branch and they told us we were flagged and never gave us a reason. it had nothing to do with the XXXX And our compliance ( XXXX XXXX XXXX company, XXXX XXXX. we have never got to open and we feel that they didn't not allow us to reopen due to them being able to force the local area to open accounts to cash checks which they are know to have bad practices with making accounts and up holding good customer relations relating to banking 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XXXX FL XXXX, No longer have them, but they owe me 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I could not withdraw cash I needed from.my hecking account. I was times stopped at the door of the Wells Fargo bank branch to go inside to get cash as my daily cash withdraw was limited to {$500.00}. 
Money, {$220.00} approximately, was taken from my checking accounts at Wells Fargo, and I had to hire a lawyer to deal with stubborn Wells Fargo to get my money back. The overdraft fee was just unbearable, I didn't know what to do. 
So many issues do many times.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I was payiuhap insurance through my insurance company and was also being charged through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: DC

Complaint narrative:
I had a Discover card that was closed after many years of service due to an improper charge. I received a new card and online I completed the autopayment option for a bank account at XXXX bank. The online portal showed it was accepted. I received my bill and it now shows the payment did not go through and I have been charged a " returned check fee ''. I was informed on their site that the payment was made. It is not my fault it was not. I have now contacted Discover Card and I am told their " payment system is currently down '' and I still can not make a payment. I should not be charged a returned check fee and I should be able to pay my bill without incurring these additional charges because their computer system is down. I have closed my account and I am trying to make payment but now I am also locked out of the system because my account is in closed status. I am XXXX XXXX XXXX and I am trying to just pay my bill as I intended by setting up auto payments. I have taken screen shots of my online exchanges which they admit their payment system is down. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: AZ

Complaint narrative:
Wells Fargo purposely held onto my Purchases with my bank card.. Therefore when I would look at my account balance and buy something.. 3 days later they would charge my Account.. 
I checked before I made a purchase for almost 2 years.. 
This costed me Thousands of dollar in Overdraft fees that would not have been charged, If my online account was accurate.. 
Wells Fargo got caught and was supposed to pay me back, Plus {$100.00} for Damages.. 
I have not received a penny.. 
I would like all my money back.. 
Then we can move onto the denying of Legitimate Wrongful Charges claims. Which is about another XXXX 
As they claim papers lost, They didn't receive... This was after I went into the branch and had them send them... 
Then they deny my Dispute...

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 2023-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I didnt have enough money on my card to rent a car. I added {$500.00} to my card at the airport to rent a vehicle. After two hours the the money wasnt on my card balance so I canceled the transaction. Capital One on Monday added the {$500.00} to my balance and now I paying back the money to Capital One but I never got benefit of my money. When I canceled the transaction my money went back into my XXXX  account Capital One is charging me {$500.00} as if I used {$500.00} of credit on my card. I never got benefit of my money. They didnt give me {$500.00} nor did I use my card to get money from them. They charged me money for canceling a transaction and added {$500.00} to my balance sent my account over my limit, and are making me pay for my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc
State: OH

Complaint narrative:
I supplied and XXXX deposit on a property that I was looking to purchase at XXXX XXXX XXXX XXXX # XXXX, XXXX Ohio XXXX for the amount of {$2300.00}. At the time of the initial purchase agreement the deal was to be cash, the deal was later switched to financing which the agent, XXXX XXXX, Real Estate Licenses : XXXX ( OH ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was made aware of. The purchase agreement was never amended by XXXX, I was declined for financing because the building was not insured correctly and now the seller refuses to return the earnest deposit because the contract was never changed by our agent. 

I am a XXXX veteran and my wife is a minority and this {$2300.00} is very important to us

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
THE WHOLE 6 IN A HAPF YEAR 'S, ME & MY FAMILY HAS BEEN DEALING WITH YOU ALL, YOU ALL NEVER TRIED TO FIX THE PROBLEM, NEVER BOTHERED TO WORK IT OUT

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 2023-01-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay bill and the young man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call Experian myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you 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 2023-01-19 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: NY

Complaint narrative:
Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies

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 2023-01-19 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: NY

Complaint narrative:
Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies

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 2023-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for JPMCB CARD SERVICES these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Overdrafts that we're not suppose to be payed for. I had overdraft protection on 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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( Transunion, XXXX, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC 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
Consumer complaint received 2023-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Original Creditor Capital One Account # : XXXX On XX/XX/2018, you have sent me the letter down below stating you no longer own this account and that it was sold and acquired by XXXX XXXX XXXXXXXX XXXX XXXX. In addition to that, the account has been closed since XX/XX/2018, and It is clearly time-barred by New York Civil Procedure Law Section 214-l which provides that an action arising from a consumer credit transaction must be filed within three years. 


Dear XXXX XXXX, We wanted to let you know about a change to your credit card account referenced above. Your credit card account with a balance of {$3200.00} was acquired by XXXX XXXX XXXX, XXXX on or about XX/XX/2018. XXXX XXXX XXXX, XXXX now owns your account and may contact you either directly or through an affiliate or third party. If you have any questions about your account, please contact XXXX XXXX XXXXXXXX XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sincerely, Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX took payments from my checking account {$450.00} each of these months. Once I found out that a fraudulent furniture account was established in IL, I contacted the company and was told to file a police report and send them a copy. The police report was filed XX/XX/XXXX with the XXXX XXXXXXXX XXXX XXXXXXXX. I emailed a copy of the report to the creditor. I found out in XX/XX/XXXX that XXXX XXXX XXXX has been selling this account to collection agencies as a valid debt and I have disputed these accounts. Complete Credit Solutions {$9000.00} from XXXX XXXX XXXX. The other disputed account is XXXX XXXX XXXX XXXX which was opened XX/XX/XXXX and is listed as a lease. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Complete Credit Solutions , IncXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, PH XXXX FX XXXX. I was sent a fraud packet and advised that I would also need to report this incident to you.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Every time I tried to get my money I was told I had insufficient funds but I knew it was cash in the account so I closed the account in XXXX of 2019

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 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
A new saving account was opened XXXX XX/XX/XXXX with the initial deposit of $ XXXX sent via XXXX on XXXX XX/XX/XXXX. The bank REFUSES to give me a reason why the account is restricted and will NOT let me have access to my money. I need to make a withdrawal to purchase a house next Wednesday, XXXX XX/XX/XXXX HELP

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was trying to get them to help me to save my house from foreclosures and they told that they will help me save my house I try to make a payment for past due when it was {$5000.00} they kept getting me the runaround

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 2023-01-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX pm I used a XXXX XXXX XXXX a.t.m. I then proceeded to withdraw {$920.00} cash using my US Bank debit card. The a.t.m. opened up to release the funds and wouldn't let go, I struggled to pull but failed due to door shutting up my fingers, I did manage to take {$20.00}. I then parked and waited for over an hour contacting both banks. I filed a claim with both banks, and both came back with no error had occurred.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ALL and any of my Wells Fargo bank accounts between XXXX and XXXX are closed ETC. Deposit and funds are missing. I reach out to Wells Fargo to see what is going on. With my banks accounts that are closed. And the refuse too take accountability.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When we sold our home 'Wells Fargo would not respond with a pay off amount in a timely fashion. We finally sent XXXX XXXX XXXX  just to insure the pay off was met. This was in 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
XXXX either cell phone or cable bill of XXXX, XXXX XXXX have proof I never received service with them anytime.i always have had XXXX  that is a government agency phone service.. now I know about it and XXXX said that I needed to report it because it is damaging my credit, plus it fraud due to me not knowing about it.. I came up here in XXXX XXXXalso I have been living at XXXX XXXX XXXX now for XXXX yrs.first I stayed in XXXX XXXX, for XXXX XXXX with my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX taking care of her.then she moved out, XXXX, I then moved in with my uncle XXXX XXXX XXXX to his XXXX XXXX at the end of still at XXXX but I moved in XXXX XXXX with my uncle.that was in the end of XXXX and I stayed with him until XXXX of XXXX is when I moved out of XXXX XXXX to move in with now my fiance sense XX/XX/XXXX and been at my address dents then.witch is still at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXso I don't know how they were able to get my information and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In accordance  with the fair credit reporting act this creditor has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Incorrectly I had funds frozen within my Wells Fargo account. I was forced to use other means to pay for services as well as get cash.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a hacker cash a check in a Florida branch of Bank of America for {$8500.00} from my bank account from Bank of America. The description in my bank statement is : FL XXXX cash withdrawal from XXXX Banking XXXX XXXX XXXX Banking XXXX # XXXX FL Confirmation XXXX. 
I filed a formal complaint with the bank on XX/XX/XXXX. The complaint # is XXXX. I called the bank several times to reach a resolution and the bank have been telling me that it is under investigation. In the meantime, I do not have access to my {$8500.00} and it was the bank fault for paying this money. My last call was on XX/XX/XXXX ( more than 90 days since the incident ) and they told me that they have put my case for a speed resolution and they were going to call me in 24 hours, but I did not get any call. 
Please help me!!!

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