vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
CD opened on XX/XX/XXXX with WELLS FARGO. 
CD at Wells Fargo over XXXX years. XX/XX/XXXX the date " Grace Period '' ended was on a XXXX and I was told business days were not applicable for the " Grace Period '' and I am sure that information was available when I initially opened the CD. I called Wells Fargo on XX/XX/XXXX, on hold for about XXXX minutes with calling and transfers. Branches are not allowed to give me my rate over the phone????. After these transfers to various departments I was told NEW RATE of XXXX. While on hold I checked Wells Fargo website, it listed 3.5 % for a substantially lesser $ $ amounts than my CD. 

XX/XX/XXXX I took a day off work and traveled a XXXX, SC branch. They indicated that I would have to close old CD and open new CD. 

I received {$54.00} less than I initially deposited XXXX years earlier. So WF used my {$200000.00} for over 2 years and I owed them {$54.00}. 

That is a great endorsement for that bank. Ha Ha

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 2022-12-20 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: NM

Complaint narrative:
On several occasions my Wells Fargo account will have a balance that can cover a transaction. Often times what happens is the transaction doesn't " post '' until my funds are low and then I end up going negative and incur an overdraft fee. At XXXX point I was negative {$200.00} even though I had deposited funds to cover the negative amount. They waited to " post '' funds until more transactions had posted causing me to be even more negative and again incurring another overdraft fee. I'm attaching my XXXX bank statement which shows overdraft fees paid to date of {$550.00}, in XXXX and XX/XX/2022 I was charged {$140.00} in overdraft fees each 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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX is the XXXX collection agency XXXXXX/XX/XXXXXXXX XXXX has used to get me to pay {$180.00} in which I paid in full on XX/XX/2020. The previous XXXX collection agencies accepted my proof of payment and closed out the account. When XXXX XXXX sent me their request they sent a bogus address to me to return my information verifying I indeed had paid the amount in question. I paid {$4.00} to send my information certified mail so that not only could I be alerted that they had received it but also keep track of it traveling through the mail system. When I saw that it had been stalled in the mail system and was sent back to me I called and told a supervisor who's name is XXXX of what had happened in which she replied the address they sent out was from a previous address the company had used. I told her I shouldn't have to pay once again to mail my proof since it was her companies error in sending an address that wasn't valid but I would once again send it to them if she would send me a postage paid envelope with the correct address on it. She said she would send another corrected address envelope but couldn't guarantee it would be postage paid. I never did receive another envelope or hear from them until it showed up on my TransUnion credit report. And before ending our phone conversation I did verbally provide her the information to my bank and verification number of the transaction showing that XXXX XXXX XX/XX/XXXXXXXX XXXX did indeed receive that payment.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Hi, I bank at Wells fargo and they keep charging me a {$10.00} service fee when my account goes below {$500.00} for even a minute. In the past when I didn't have much money the charge would cause overdraft fees and to make matters worse they will not waive the charges so if they are doing this to me then they are compounding a lot of people with the same fee that I find very unnecessary. I have other banking accounts such as XXXX  XXXX  and they do not charge these fees. The problem with Wells Fargo is that they are everywhere. I truly don't think extracting money from someones account when they are below {$500.00} is evil and greedy.

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 2022-12-20 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: TN

Complaint narrative:
Im XX/XX/XXXX {$2000.00} was taken out of my Wells Fargo checking account in XXXX, Florida without my consent. I live In Tennessee. My withdrawal limit I found out is only {$1100.00}. I asked them about it and they said it may have changed. How can it change without my approval. They refuse to give me back my money that was illegally taken from my account using a fraud card at their atm. They claim the chip cant be cloned. I filed police report as well. I never been to XXXX and after I told them to look at my transactions that it would show I never left Tennessee. They wont give me any answers and just kept saying there indicators show it wasnt fraud and I cant appeal and thats it. Im XXXX  out of {$2000.00} because there shady intentions and wont refund a fraud transaction.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Identity Fraud Home Depot XXXX, TN XX/XX/2022 {$5000.00} My identity was stolen. 
A cc card was issues to someone other than me- identify unknown. 
I have contacted Home Depot. They told me that the SS # was invalid but they still gave the credit. Home Depot case # XXXX. 

I have also filed a XXXX, TN Police report case # 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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2022 chase auto finance opened an account. Upon looking into the installment of the loan. Ive found violations in my contract. 

These companies are in violation 15 USC 1681 602 A, I, 15 USC 1666 B 1 gap insurance 2 interest on the loan 3 the down payment on the loans 4 extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: IN

Complaint narrative:
I received an email on XX/XX/2022 that XXXX would be transferring my account to a company called SST. I was unable to log in to their website, and was also already charged a XXXX late fee. I had autopay on that did not transfer, and I also am not able to add a bank account to start making payments through the new servicer. I also am unable to see my loan vs. savings balance, and I am nervous that my savings balance will not be honored by the new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I purchased a plane ticket that was fully refundable. The charge was pending and I cancelled the service two hours after buying the ticket but the next morning this bank cleared a transaction that had been reversed. I reached out to this bank and showed proof my transaction had been refunded. It has been over a week an no return of funds. I called and was on hold for 52 minutes on XX/XX/XXXX but had to go back to work. I sent an email in a thread I had been having with a rep and still no reply. This debit card is through the Branch APP partnered with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: HUNTINGTON NATIONAL BANK, THE
State: NE

Complaint narrative:
Acquired a boat loan with Huntington Bank XXXX XXXX. Loan was paid in full and closed on XX/XX/XXXX. Reached out to the bank multiple times in XXXX to get the lien releases for the boat. After multiple attempts was told that the issue was closed and all information was sent to the XXXX oXXXX XXXX  XXXX. XX/XX/XXXX the XXXX XXXX alerted me to the fact the electronic liens where still on parts of the boat specifically the trailer. Opened new cases with Huntington Bank XXXX XXXX and asked this get corrected. Literally showed the customer service members how to obtain the " XXXX  Electronic Lien and Title Non-participating Lender Lien Release '' form including the fax number to where they needed to be sent per the DMVs guidance. They proceeded to mail them to me, also duplicates and incorrect/ not needed information, bot lien release not present. Tried to contact the person responsible for completing the form 5 times ( left voicemails ). Reached out to the bank on XX/XX/XXXX was notified they would put in another request for the lien release and I could expect to see it in 18 days due to the volume of requests. Escalated to a XXXX whom stated we sent them, it's neither here nor there if duplicates where sent. I mentioned XXXX  XXXX XXXX that states the lien release is required by state law within 30 days of the close of the loan. Gentleman stated he would escalate, but doubtful this will get resolved since the bank seems incompetent of following the easiest business practices such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: PA

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. 

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I wrote a check to XXXX California XXXX for {$210.00}. 

This check was intercepted from the mail, washed of the XXXX, part of the amount, and the Memo, to read payable to XXXX XXXX XXXX for {$410.00} and a Memo of " happy Birthday. '' The washed check was cashed by JPMorgan Chase Bank on XX/XX/2022. 

On XX/XX/2022 I reviewed my monthly statement, found the activity, notified JPMorgan Chase, XXXX California XXXX, and the XXXX California Police Department of what happened. The XXXX who came to my home ( XXXX XXXX XXXX XXXX XXXX XXXX  ) completed a report and assigned a casefile number of XXXX. 

Subsequently, in XX/XX/2022 I received notification from the XXXX XXXX ( CA ) District Attorney 's Office that there is a Court CaseNumber of XXXX for XXXX counts against XXXX XXXX XXXX relating to this incident. 

I have been working with the local JPMorgan Chase Bank branch, providing them with updates as I receive them, and the branch manager has also been working to get the {$410.00} reinstated to my account. 

As of my XX/XX/2022 checking statement ( pulled down online today ), the money has not been refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Block, Inc.
State: NJ

Complaint narrative:
I have a cashapp account and the corresponding debit card. I began receiving notifications XX/XX/2022 that {$50.00} charges to my card were being declined because transactions on my card are turned off. I reported my card as compromised, and requested a new card, as I was advised to by CashApp. I still have not received the replacement card as of today XX/XX/2022. Cashapp provided me with a new 'virtual ' card number until my replacement card arrives, I have not yet used it anywhere. 

On XX/XX/2022, after I had cancelled my original debit card, and never used the new virtual card, Cashapp allowed one of the {$50.00} fraudulent transactions to complete. I waited for it to post, disputed it, and have still not received the monies back. I have contacted Cashapp and they will only tell me to contact the merchant, but will not give me the merchants contact information. My case was escalated to a 'manager ' who was no help and would not provide me any contact information for the merchant who is continuously trying to charge my card. 

The takeaway is that even if your card is reported as stolen/compromised and deactivated by cashapp they are still paying charges to the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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:
I received Transunion response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that Transunion had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for Transunion to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.

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 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/22 {$1600.00} I have informed this company/firm that I do not owe any debt to them. I have sent them Cease & Desist letters 6 separate times. They have filed a lawsuit against me for a garnishment from my financial institution. I have informed them numerous times that I receive Social Security Benefits and that my entire account is EXEMPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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:
In XXXX when I had open accounts they again opened XXXX more of my accounts which were to be for my XXXX XXXX but termed them again as Personal Accounts and therefore I had XXXX open Personal accounts. They then closed XXXX of my accounts stating that there were fraud activity and only in XXXX they informed me of this but they closed all my accounts with no advice to me. 
I lost my total income and want Wells Fargo Bank to compensate me for my past and future XXXX XXXX XXXX XXXX. 
At present we are still working on this case.

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 2022-12-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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