vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: MN

Complaint narrative:
Received letter from Wells Fargo on XX/XX/2022 regarding their 'Stop Payment ' policy. To put it in the vernacular of the 'common citizen ', Wells Fargo 's 'policy ' sucks AND their Branch Training is lacking! We were verbally told by the Branch Banker ( who was 'training ' a new Banker ) that after 180 days the check wouldn't be cashed, so 180 days was sufficient for the Stop Payment. THIS WAS NOT TRUE. 

Federal law does NOT require that a check be paid if it is older than 180 days. 

Wells Fargo CHOOSES to allow itself to PAY a 'Stop Payment ' check if the Stop Payment is 180 days old. This is basically CYA at the expense of the Customer. 

Wells Fargo says that the account holder would have to remember to re-initiate the XXXXStop Payment ' before the 180 days expires AND possibly pay another fee! This 're-up ' of the Stop Payment and possibly paying another fee could go on FOREVER the way the policy reads unless the Customer cancelled the account!

Wells Fargo 'policy ' is NOT in the Consumer 's best interest. IF a check
has a 'Stop Payment ' on it, then that check should NEVER be paid out, and if presented, should be confiscated and returned to the account holder.

I've banked at Wells Fargo and their predecessor, XXXX XXXX, for over 50 years, and have had to 'stop payment ' only XXXX-4 times in my lifetime.

The " Stop Payment '' that I requested 'Back in the Day ' would stop the payment until the check went 'stale ' after 180 days. After the 180 days, the check wasn't any good anyway, effectively killing the check.

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 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BHA Services
State: UT

Complaint narrative:
started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My XXXX loan with XXXX was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two student loans ( one with XXXX and one with US Dept of Ed ) on my credit report when I only have one loan with Dept of Ed. I emailed XXXX about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2022 I received a request for money for {$760.00} I contacted PayPal business ask them to close my account because my account has been fraudulently accessed they refuse to on XX/XX/XXXX I received another request for money for {$500.00} for an XXXX gift card I called PayPal they refuse to deal with the situation to either freeze my account or close my account also in the past I have received several requests for {$800.00} in XXXX PayPal has refused to address the issues even though I have forward the emails and contacted them every time I want my account closed I am being scammed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
When I turned a leased vehicle into a purchase back in XXXX of XXXX Honda did not release the title to me and my bank properly or timely. It is now XXXX, and the bank STILL has not received the title. 

I asked Honda to put in a request with the Indiana XXXX XXXX XXXX XXXX for a duplicate title. The XXXX has not processed the request as of today, XX/XX/XXXX. It has been XXXX days since they received the duplicate request. 

The ball is in Honda 's court to inquire with the XXXX as to why the request has not been processed. However, their policy is to wait XXXX weeks, and have said their policy is not call the XXXX before then. They are able to make this call, but they are using an arbitrary policy to NOT contact the XXXX. I am unable to wait any longer, as I need this title issue corrected in order to deal with my insurance company. 

This is not the first time they've changed contact expectations. When I first spoke with Honda Financial at the beginning of XXXX, they said that the title could be processed within a few days. Now I've had to wait until today, and now I have to wait another XXXX weeks. 

I need Honda Financial to connect with the Indiana XXXX XXXX XXXX XXXX in order to process the duplicate title. There is no reason this process should be dragging on at this point. It is not an undue burden on Honda Financial to participate in a phone call with the Indiana XXXX in order to complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Wells Fargo Information inaccurate and violated privacy laws immediately delete the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I sent a check for payment of my property tax, placing the check in a XXXXXXXX XXXX XXXX XXXX XXXX I noticed that the check was deposited and cashed XXXX days later. 

In XX/XX/XXXX, I received notification of delinquency in payment, and that is when I contacted XXXX and the bank. The check was clearly fraudulently cashed. 

Wells Fargo ( not my bank ) cashed it to the fraudulent party ( unknown to me ) and despite my bank ( XXXX ) making multiple inquiries and requests to return my money, they have not. It has been XXXX year. Absolutely irresponsible and inappropriate. 

I had to pay fines to XXXX XXXX and am out several XXXX XXXX  dollars. 

I need help making Wells Fargo address this and pay me back.

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 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX, account holder ( " Owner '' ) paid off the balance of their Capital One Visa card. Owner and one relative were card holders ; both parties cut their cards in half in XX/XX/2022 and they did not add new charges to their cards after the final payments. Owner overpaid CapOne by about {$24.00} because he did a debt consolidation loan, but with the timing of the loan, he decided to also do the minimum payment required by CapOne in that billing cycle. That is the origin of the {$24.00} overpayment. After confirming the payoff amounts appeared on the XXXX statement, on XX/XX/2022, Owner phoned CapOne to inform them he wished to close the account, and he requested the {$24.00} refund. CapOne refused, citing " security issues. '' Owner asked, " what security issues, you have no issues deducting funds from my checking account for your payments, just send me a credit back to the same account you are paid from. '' CapOne staff refused, would not explain " security issues '' further, and instead, insisted that Owner provide photo ID and fax it to some phone number. However, Owner was not satisfied with the security arrangements for this request and refused, mostly with concerns about identity theft, since the background noise of the CapOne representative did not sound like a professional environment. Owner also told CapOne rep he refused responsibility for any charges after the XXXX pay off. A few weeks later in XXXX, after receiving the CapOne XXXX billing statement, which still showed a credit balance, Owner wrote a letter to CapOne directing them to close the account. As of XX/XX/2022, CapOne has still not closed the account, continues to send monthly statements, but the most recent statement appears to have zeroed out the credit balance due to Owner. Owner wants the account closed ASAP and refuses responsibility for any charges after the XX/XX/2022 pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy credit my account for {$6.00} for the past 3 months due to interest fees that were charge. I was told that they were charge incorrectly and credited and to reach out to a XXXX to get the late payment removed due to being late for 31 days for a {$2.00} interest fee that I was never aware of or contacted. My account was suppose to be no interest until XX/XX/2022. When I called the number provided, they seen the credit but could not update the incorrect late remark that was placed on my credit report. The account is up to date and has been credited correctly. I just want the late remark removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received the California XXXX XXXX XXXX Relief on XXXX thru a Visa Debit card issued by Money Network XXXX XXXX. I activated the card on XXXX by registering with Money Network Financial LLC. On the XXXX I was denied a transaction at a local store for XXXX Funds, at that point in time I should have had approximately {$850.00} in the account, so I took a look at my account history and that is when I discovered the unauthorized ATM withdrawals ( XXXX for {$500.00} and XXXX for {$200.00} plus two separate {$1.00} service fees ) the first one in XXXX XXXX. and the second one in XXXX XXXX. So, I started to look at this situation and I noticed that on XXXX I made a purchase at a grocery store in XXXXXXXX XXXX for the amount of {$67.00} @ XXXX and at XXXX the unauthorized ATM withdrawal was made, that is XXXX  minutes and XXXX seconds between transactions, that is physically impossible to do nobody can drive from the grocery store put your groceries in the car and drive to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX min and XXXX sec. I drove the XXXX routes and best I could do was XXXX minutes XXXX seconds and customer service told me that the unauthorized transaction was at XXXX XXXX XXXX XXXX XXXX XXXXnd for the {$200.00} unauthorized ATM withdrawal it shows it was made in XXXX XXXX. I have not been to XXXX XXXX in over 4 months. The Debit card has not left my possession ever. I have communicated with Money Network customer service over 16 times by telephone 2 by Priority Mail XXXX and 6 separate emails, customer service has hung up the phone on me 3 times put on hold for hours on end. When I called on XXXX Money Network customer service said the case was closed but they couldn't tell me anything else and to call back in 3 or 4 days, I called Money Network on XXXX the case was denied because the pin was used and there was not any money dispensed. That was never claimed as the problem to start with, I don't know where they came up with that. I asked for a copy of the material that was used in the investigation and an appeal form, I was told they didn't have to do any of that. I just want my money back. {$700.00} I was looking over the contract between XXXX. XXXX XXXX XXXX and Money Network LLC. and it's easy reading and in my opinion Money Network is not being fair to the consumer on error resolution.

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 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK of America I cash XXXX XXXX XXXX with them XXXX to XXXX times. But the last 3 times it became a problem because I refused to start a bank account with them. My boss Bank with them ..... They refuse to cash my check because my XXXX XXXX XXXX on the back of it wouldn't go threw so they said that they couldn't cash the check. But I told them to put my id # in the computer so that they can see that my id is valid. But I told them that I cash my check here at the same bank more than XXXX XXXX 's before ...... So they Cash it with an attitude ..... But on XX/XX/2022 at XXXX they came at me in a different way.. They said that they can't verify the check .... I told them to call my boss to verify the check ...... They then tells me to step aside so that they can help the next person in line .... I told them no ... .. And told them that I wanted the service that everyone else is receiving ... .. And I told them to call the cops so I can have a written report on the matter... .. Because this situation has happen more than 3 times already. And the check they refuse to cash with my Id the other Teller took my check and I'd and refused to give it back because I refused to remove myself from the tellers window .... I told the tell that she can not hold my check and I'd XXXX ..... So she then walked 2 windows down a slid my I'd and check threw the window .... So I told them that you guys have to honor the and I'm not moving until you do because y'all honor more than XXXX check 's before ..... So the manager finally acknowledge that I'm not going to remove myself from the window and then she finally cash the check... The last 3 times I went to this bank in XXXX XXXX XXXX it took them more than XXXX minutes to cash my check. 
It's totally embarrassing ...... I don't XXXX XXXX but I'm XXXX and I don't deserve to be treated in this matter... Just because I refused to start a bank account with this bank .... Please resolve this matter.

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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2022 at around XXXX pm I can an unknown call stating I word a debt that I know was included in my bankruptcy. They said they mailed me many time at and invalid address and even my current address ( I never received any documents ). When I called they said when it goes to court I will owe over {$4000.00} if I pay {$900.00} today it will be resolved or even a down payment of {$300.00} and {$150.00} a month after XXXX XXXX paid. Also stated this would affect me writing checks for 7 years and wouldnt be able to open any accounts. Also they would take a lien on my husbands payroll. 

XXXX XXXX XXXXXXXX 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 2022-12-07 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: TX

Complaint narrative:
In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: AL

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.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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