vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Any transactions I would make the amount would not be taken but it would show on my ledger then Im thinking its being deducted and it wasnt so I was in the negative all the time. I would just like my over draft fee be put back into my account from when I opened my account. When I would call and state my concerns they would say for me to manage my funds better and ask if theirs anything else I need help with.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank XXXX took My debit card and said that I was XXXX using my card because they was letting any and every transaction go thru with out letting me know also and more then a few times I went to use my card and thousands was missing all my money gone and when I went back looking at charges I didn't make they was unfair about the decision they came up with so I just had no money so I filed another dispute for my money back but then they never once called me and told me that my account was over drafted but closed my account for XXXX and when I went to go open my account back cause I need it for my car by payments I paid the XXXX opened the account back and I was supposed to be doing advertising for XXXX XXXX drinks and it was a scam and I tried to deposit the check and it was a bad check and I XXXX hair and XXXX of the customers paid with check i tried to deposit and it wasn't letting me deposit.then they deside to give me as courtesy call they was closing my account because I was trying to deposit checks in my 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 2023-01-22 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: CA

Complaint narrative:
About 2011 I opened up an account at Wells Fargo and the person who opened up my account kept putting a paper in trying to get me to sign an investment form. I kept refusing but I did notice my account kept getting lower either from fees or other items not making sense. I was living at the driftwood apartment at the time in XXXX XXXX XXXX but do not remember the address.

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I wanted Wells Fargo to stop to transfers from my checking account to a prepaid card. Wells Fargo said they did not see any pending transfers but still allowed the transfers to go through. I now owe them over {$200.00} plus check 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 2023-01-22 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: TX

Complaint narrative:
I was charged fees when I shouldnt have been. I was supposed to not be charged as long as I made XXXX transactions a month.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have had a Wells Fargo account in this timeframe and was charged multiple overdraft fees and other fees. I never recieved anything about this settlement what do I need to do to see if I qualify to get a 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 2023-01-22 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: CA

Complaint narrative:
I was incorrectly charged overdraft fees on my wells fargo 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im not sure how long I closed account, but than over charging fee

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 2023-01-22 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: AL

Complaint narrative:
was charged for a transaction i did not authorize and didnt know about it and went to make purchase and my account was overdrafted and was charged overdraft fee and charged for something that wasnt my fault

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
First off, i opened an account with wells Fargo in 2011. Outside of the bank account, i had an incident like a civil law suit going on, so i had to relocate myself and my wife and children.I never closed my account or had any further contact with the bank, so i called a XXXX of years ago and someone told me on the phone that i never had an account.So by me living in another state, i kinda just leff it alone.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Money was withdrawn over seas on XX/XX/XXXX also money was taken from my bank account from an transfer overseas little by little overseas .using my debit card number

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want my money back, you guys owe 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 explanation
Consumer complaint received 2023-01-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had multiple vendors that I bought items or paid for services from that were never delivered but I was still charged. I tried to cancel the services or cancel the items, request refunds and ask for the automatic debts stop with the merchants with no success. These caused me hundreds of over drafts and thousands in fees and lost monies. When I tried to dispute things with Wells Fargo, they never cancelled the debits, blocked the reaccuring charges, or pursue action against these unauthorized debits, never refunded overdraft fees, kept charging overdrafts, pretty much never helped me, had my back, or treated me like a valued customer, just a number. In the end, the caused my business to fail and close its doors.

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 2023-01-22 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. XXXX is the only XXXX reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. XXXX has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. XXXX has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22 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: OH

Complaint narrative:
On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. Equifax is the only one reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. Equifax has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. Equifax has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item four times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
I keep getting charg3d over draft fees all yea long and also they double charge the same charges or I will put money in have that amount then they say they charge me for a pet tense fee which I have no idea why

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email stating that i am eligible for wellsfargo current lawsuit of XXXX which was result of wrong charges charged to customer and i am eligible for a refund but when i contacted the bank they said they cant do anything. Can someone 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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I can't open account. I used to have account. Money was token I never got money back and they closed account years ago

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 2023-01-22 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: Netspend Corporation
State: MO

Complaint narrative:
I had roughly XXXX XXXX and I believe it's XXXX hours taken over a XXXX span. I went kayaking and after was exhausted went to my room slept till the next day around XXXX and my account had been overdrawn and withdrawn cash XXXX transactions is what it was and it was not me and they said it was an authorized individual and I'm the only an authorized individual I immediately reported it when I seen the withdrawals in the morning they came back to me XXXX days later and told me that they weren't going to do anything. They've never even let me take out that much money at once. No explanation no nothing and I am in dire straits because of it still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You have to follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.

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 2023-01-22 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: CA

Complaint narrative:
I had had my Wells Fargo bank account for almost XXXX years and decided to close my account due to them changing features on my account, causing me to miss calculate my funds and results of continuous overdrafts and nonsufficient funds for me to have to pay a large amount of overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with US bank Usbankcorp. Depositing over XXXX in less then two months. However US bank practiced predatory behavior in applying over {$1000.00} dollars in over draft fees, additionally they took back an approximate {$1200.00} credit I had recieved after reporting a string of unauthorized transactions. Additionally none of the ove draft fees should have ever applied.i was plus in my account, approximately {$800.00}, and then minus {$700.00} just by predatory overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
Incorrect fees and interest 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 2023-01-22 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: LA

Complaint narrative:
I had Wells Fargo back in 2016 and they charged me a bunch of overdraft fees that I know for a fact that I shouldnt been charged I been trying to reopen account and they wont let me because of this..

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
All through 7years of the months have been disputed and havent gotten any money back and due to lies of them saying that i dont have a account with them when i have a wells fargo 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 2023-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Consistently tried to get a Income Redriven payment plan. But was not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Money was taking out of my account with out my permission and sometime they take money out of my account XXXX stating I didnt pay a company when I see I paid it already

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 2023-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You have to follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.

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 2023-01-22 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: GA

Complaint narrative:
I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED 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 2023-01-22 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: GA

Complaint narrative:
I had money taken from my checking and savings.I had my credit rating negatively affected by this companyWells Fargo made fake accounts I using my information.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Deposit was made to account on multiple occasions early and I used atm card to make purchases. At the end of the day they posted transaction first and then deposit causing over draft fees. Direct deposit were always initialy posted on each occasion then I charged transactions

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