vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/23, at XXXX XXXX., I received a text to my cell phone purporting to be from Wells Fargo, with the following language : ( ( WellsFargo ) {$230.00} Charge XXXX XXXX  in XXXX, CA. YES Reply Y. NO? CallBack Now XXXX XXXX XXXX I called Wells Fargo, and there was no such charge on my account, so I believe this was an attempt at fraud. 

Please let me know if there is any follow-up to investigate this. 
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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to XXXX and Transunion as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX 's unauthorized reversal of my payments without notice to me, as well as XXXX XXXX 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and Transunion used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXX 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

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 2023-04-18 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My mortgage was assumed by Mr. Cooper on or around XX/XX/XXXX. I called Mr. Cooper on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. Mr. Cooper continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, Mr. Cooper reversed 3 mortgage payments without notice to me. Furthermore, Mr. Cooper failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, Mr. Cooper reported me to XXXX and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of Mr. Cooper 's unauthorized reversal of my payments without notice to me, as well as Mr. Cooper 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. Mr. Cooper responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and XXXX used to verify Mr. Cooper 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by Mr. Cooper was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from Mr. Cooper, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding Mr. Cooper 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of check fraud of {$1000.00} on XX/XX/XXXX. I had remote deposited the check in my savings account. When I realized that it was fraud, I went down to my branch to notify them. I never spent the money. I was told that if it happens again, my accounts will be closed. Meanwhile, both my savings and checking accounts were on hold and I had no access to my money. Both accounts were closed on XX/XX/XXXX. I had {$1300.00} in my checking account. I received a check from Chase for only {$440.00} on XX/XX/XXXX. I called the number XXXX on XX/XX/XXXX and was told that the check for {$900.00} must have been lost in the mail and another check was requested. Never received check. Called again on XX/XX/XXXX and was told a check was never issued for {$900.00} and that there were XXXX - {$300.00} checks holding up payment. The CR could not find any deposit for those XXXX checks and said he would request another check for {$900.00} be mailed. Never received a check. Called again on XX/XX/XXXX and was told a request for the {$900.00} was refused because the XXXX checks couldn't be verified. I was finally told which XXXX checks they were referring to and was able to get them verified. Was told a check would again be requested. Today is XX/XX/XXXX and still have not received my money. I have been without my money for XXXX  months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for Barclays XXXX XXXX Please investigate and provide proof with statements showing that the payment was late. According to 15 U.S. Code S 1681e- Compliance Procedures, it it illegal to report inaccurate information. if proof can not be provided, I demand thus payment be updated to on time as they should be as I was NEVER Late. 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
BP Mastercard puts up multiple roadblocks to closing an account since even if you stop using it they want to continue to charge fees. After 5-6 hours and dozens of calls a multiple emails I was finally able to close our account on XX/XX/2023. Confirmation no. Issued confirming closure. Now over a year later we are still billed for misc fees. When I attempt to resolve they claim Im not authorized to send EAL with them only my bookkeeper who retired a year ago. I have all the codes and passwords and opened the account with my name and SS 10 years ago but they dont care. Anything to keep the money trail of bogus fees. Im sure Im not the first to complain about this disreputable shameful company.

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 2023-04-18 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: GA

Complaint narrative:
Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported balance Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18 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:
Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported XXXX Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXs # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A 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 2023-04-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 XXXX Bank of America ( hereinafter referred to as " bofa '' ) froze my account due to a broken fraud alert system or filter. By freezing my account bofa denied access to my social security and federal annuity pension. The SS member is being looked at by the XXXX of SS and the federal annuity by the XXXX for Special Investigations OPM. Bofa wanton disregard for federal statue and case law has cost me XXXX in legal fees and XXXX in late fees for missing my rent. Bofa has refused to reimburse me for this illegal act and violation of A CFPB/BofA Consent Order

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 2023-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was notified of a hard inquiry that was not authorized by me. I have been told that they are not able to provide anything to me nor will they notify the credit bureau that this is fraud. I have disputed this with Equifax without success, and an investigation that Equifax says may take up to 30 days, turns around in less than 24 hours as closed without acknowledging or removing the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to reopen my Gemini Account to try and sell my crypto holdings as the price had gone up. I emailed gemini to reopen my account and they replied back asking for a selfie holding my drivers license as well as a note with a particular set of numbers to verify that it was me reopening the account. 

I complied and sent over what was requested. 

On XXXX Gemini replied back to the support email Ticket ID : XXXX stating that my account would be closed stating no reason and that I would have 5 days to sell my holdings and withdraw my funds. 

Scared to not be able to sell, I sent my crypto holdings from my trust wallet over to Gemini wallet to sell. The deposit was successful and I was able to trade my holdings to USD. 

After trying to withdraw my USD funds to my linked bank account I received an error message asking me to withdraw {$8.00} to a XXXX XXXX checking account and {$710.00} to a chase checking account I no longer had opened. 

These two checking accounts have been closed and unlinked from Gemini for years. The XXXX XXXX was closed in XX/XX/XXXX and the chase in XX/XX/XXXX. 

I then replied to the support email requesting help and stating that the accounts had been closed. 

Gemini then requested proof of closure : Please upload signed documentation from both banking institutions ( XXXX and XXXX XXXX ) confirming the bank accounts are closed via a secured link. 

I went to XXXX XXXX as well as chase and they provided final bank statements where it clearly shows that the accounts are closed. Both XXXX XXXX and XXXX stated that they could not provide anything other than the statements as proof of closure. 

I complied with Geminis request for account closure verifications and sent them over via the secured link. Im this was all on XX/XX/XXXX I had not heard from Gemini for the past few days until today XX/XX/XXXX. Let me remind you that I was only given 5 days to have all my funds removed from the account before closure. 

Today XX/XX/XXXX Gemini finally replied to my email now asking for me to : Please reach out to my banking institutions to have them sign and stamp my statements. 

Both banks have stated that all they could provide is the final statements and I have reiterated that to Gemini. 

My funds continue to be stuck in my Gemini account without any other options or resolutions from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX is a debt collector hired to collect a debt I owe to Bridgecrest for a car that is no longer running. They first contacted me on XX/XX/XXXX and left a voicemail. They then contacted various members of my family including my father, wife, sister, brother, and even my wifes ex-husband also leaving voicemails. I called them back on XX/XX/XXXX. They said they do not handle payments at all, so payment arrangements would have to be made with Bridgecrest, not XXXXXXXX XXXX I asked them to please stop contacting my family members, even gave multiple names and I was told that it was notated on my account. I then called Bridgecrest and discussed payment information. 

Since then, they have continued to call multiple other family members of mine and I do have voicemail clips proving they did so. Again, on XX/XX/XXXX I was contacted again by XXXX XXXX  ( not Bridgecrest ) and again, they can not take my payment, yet they continue to contact both me, my wife, and multiple family members constantly even after being told to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BoA notified to close our business checking and credit card accounts. After the credit card cancelled. Our CD account is still not closing. This we cant get the deposit back. Its about XXXX. I tried to call them to solve the problem but all staff say they are not able to do it and transferred me back and forth many times. The most ridiculous thing is their CD department backlisted the number I called. I tried with another number it worked. Crazy if you dont provide service please give back our money rather than hold it for weeks.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I recently received a bank card from MT bank, which I have never heard of. I did call the bank and they did warn me that someone opened an account with them and they arready blocked it anyway. They had my social security, of course my name and Address. The card came to me home address. The bank did tell me to let the Credit bureau know that my identity as been stolen. Therefore I m letting you know that someone has my SS # and they are trying all sort of things please put a stop to it as soon as possible. 

Thank 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 2023-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about the XXXX of XX/XX/2023, CAPITALONE Replied and Justified a Charged Interest on a Balance that was paid in Full prior to the Due Date in Which Interest was Charged. To Date the CAPITALONCE held the XXXX Payments for {$1000.00} with a Fee of {$3.00} and gave an Investigation Number # XXXX. The Second XXXX Payment $ XXXXthat was held was for with a Fee of {$300.00} and gave an investigation Number. CAPTIALONE held the payment for an addition three ( 3 ) Days in both transactions even though the payment was in their possession. See the Attachment. It was only after a Call was made that the CAPITALONE credited the payments, however still charged the Interest and reported the inaccurate amount to the Credit Agencies. Then after another Follow-up Call CAPITALONE correct the balance, however never resolved the Interest that was Charged. I am requested for CAPITALONE to honor the Contract Agreement. as their action constitute a Breach. It would be a displeasure to File a Civil Suit to Recover the Overcharged Interest as to their Breach, However the Cardholder is willing to take legal measure if needed.

Company response to consumer: Closed with monetary relief