vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: NC

Complaint narrative:
In XX/XX/2022 there were fraudulent transactions on my card I reached out to Wells Fargo and they said they would not cancel my card as I requested them not to do so. I received notification that my card had been canceled and a new one would be issued. I called back and asked why was my card canceled when I asked them not to do so they said it had been requested by me which was not the case. I had bills on auto pay which caused me to receive late fees and my new card took almost 2 weeks to arrive.

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX to correct this error. The XXXX credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

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 2023-01-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card company assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: WA

Complaint narrative:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as XXXX XXXX, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card XXXX assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. XXXX XXXX XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

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 2023-01-23 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: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was over drafted and than unexpectedly close I had emails about being reimbursed but never was back in 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
my paypal acount is permanent limited.. i buy and sell crypto.pls help to restor my acount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: SC

Complaint narrative:
I have inquiries on my Transunion report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 
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

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was constantly charged fees my account was frozen balance was always incorrect

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
i opened an account in early XXXX i received a 1099-INT form XX/XX/2023 stating i received {$200.00}. contacted wells fargo XX/XX/2023 to ask about this. i was told it was money for a promotional bonus. i never agreed to a bonus. & upon checking my statement from XXXX when theyre stating i received this {$200.00}. its no where to be found. the call was escalated. & the lady i spoke to was very rude & said i received the money so they couldnt help me. i repeated that i didnt agree & wasnt aware of a bonus. & she said to visit a branch so they could tell me the same thing. i told her to close my accounts & asked if i could speak to someone in regards to the lawsuit about this thats going on. & she got very hateful & stated there is no lawsuit & to get an attorney.

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My loan terms for my car was misrepresented to me to induce me into buying my car. Once I realized this it was too late to cancel.

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 2023-01-23 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: AZ

Complaint narrative:
i had alot of problems With my account being used without my knowledge. money disappearing. money i didn't not use. i closed that account right away. and changed banks..did not like wells Fargo at all !!

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 2023-01-23 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: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was trying to dispute certain charges that kept appearing on my bank account from unknown sources and I explained to the bank that did not make these charges and I kept going into the negative and the bank closed 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 2023-01-23 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: NV

Complaint narrative:
i dont know wats going on but my account was fraudulently tampered with and due to this activity it caused my account to be closed

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal banned my account last XXXX XXXX. I complain the legal agreement to permanently limited my account I don't know the reason and ask the costumer service always say I have a violation to the agreement the auto bot always say that no exactly why my account have a violation.My account just only received payment for the services please help me to unbanned my account to paypal thank you in advance to helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an account that was fraudulently opened in my name on PayPal. I have contacted the merchant 6 times to dispute the fraudulent error & they advised me that the account will be removed and all inquiries from my credit reports I have yet to receive any updates & the creditor hasnt been useful. I keep receiving different departments to contact and nobody wants to address my issue from this point.

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, On XX/XX/2022, when i open my email and my PayPal account i received a message that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' without any explanation why my account was permanently limit i use my account for my business and i need it can you please help me to recover my account and lift my limitation so i can withdraw the hold fund on my account and i can use again it for my business. 

Thank you Very Much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: OK

Complaint narrative:
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Money missing out my account change my account and card and money still come up missing

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On year 2020 when the pandemic was at the tip in point I have to overdraft the account for emergency reasons and couldn't pay back on time and the bank started to harassed me to collect the debt payment but I wasn't able to pay at the time cause I lost my job because of the pandemic

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 2023-01-23 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. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NC

Complaint narrative:
I don't have exact dates as I have been with this company since XXXX but I have been charged numerous and extremely large amounts of overdraft fees some leaving me with little to no money to last me until the next payday. I stayed with them only because of the daughting and aggravation of getting everything switched over to another bank. There was. A few years there they were eating me up in overdraft fees. I would say XXXX to XXXX to was unreal. I was working to pay them. I would plead with them to help me and they would drop XXXX od fee. Ridiculous and greedy people.

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 2023-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I obtained a title loan from Title Max using my XXXX XXXX XXXX as collateral. I am a XXXX XXXX XXXX  and I had to use the funds for temporary housing to flee a very serious situation. I was unable to make the payments due to the fact that I have had to be on UNPAID crime victim leave to relocate for safety reasons from my employer numerous times since the loan originated. On XX/XX/XXXX, I was sent the First Notice of Default and Right to Cure from the lender. The vehicle was ultimately repossessed in XX/XX/XXXX, however I brought the loan current XX/XX/XXXX and regained possession of the vehicle. I would like to interject here that the recovery company held my vehicle for 3 days after the payment was made to the title company. At the time that the loan was brought current, the representative at the title company set up an appointment for XXXX XXXX  the next morning for me to pick up the vehicle from the recovery company. The recovery company called me the next morning and told me that they could not keep the appointment because they did not know where my vehicle was located. In actuality, they would not release it to me because they had not yet processed it on their end although it was paid and I had the legal right to take possession of the vehicle. They told me to leave their establishment after I called law enforcement on XX/XX/XXXX, when I went to their establishment as instructed by their employee, with all documents required for release and they REFUSED to release my vehicle because they were closing in 40 minutes. They still did not release it for several more days as they require an appointment and claimed to be booked. Again, due to my domestic situation I was unable to continue making payments. The vehicle was taken into possession again in XX/XX/XXXX. However I never received the second Notice of Default and Right to Cure required by Missouri law before they took possession. I was not given the right to cure the default and I also have not received ANY type of correspondence from them since they took possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Accompanying by the name of XXXX XXXX send me a check for XXXX dollar, Bank of America said that the check never cleared, I contacted the company and they said they have no idea that they send the money already, they said the money never cleared in it overdraft the account and they closed the 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 2023-01-23 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I on XX/XX/XXXX I waited for 45 minutes for the BJ Card issuer to pick up the phone to report a fraudulent transaction Commedity Bank. On XX/XX/XXXX I bought gas at XXXX in XXXX NH and recognized a charge in the amount of {$14.00} there was a second fuel charge in the amount of {$120.00}. That is inpossible and a charge for fuel that I can't put in my car a XXXX XXXX which has a total fuel tank in the amount of XXXX gallons. I received a bill of the XXXX. I have several concerns since XXXX is terminating its relationship with Commodity and switching to a new issuer XXXX XXXX on XX/XX/XXXX that they have a conflict in removing this charge. For fuel that I could not have charaged. Second based on looking at the card and how it's supposed to sync, often the rewards were not timely posted so I had to have credit purchase used when rewards earned were unable to be redeemed. I used the {$10.00} reward option smallest size and based on there web page I have several that may expire. That latter one is likely and issue affecting more people. I included the letter I had to send to dispute the bill my auto registration the credit card statement transaction and basic facts on fuel tank capacity of the XXXX XXXX XXXX. Gas was I believe XXXX a gallon day of purchase with the card XXXX cent discount.

Company response to consumer: Closed with monetary relief