vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a complain with CFPB XX/XX/XXXX CFPB XXXX. 
CHASE reference number XXXX Chase has once again denied my claim on XX/XX/XXXX. stating CFPB XXXX stating " customer advised PIN was written down in your wallet that you stated was lost '' I never said I had the pin written down anywhere, their representative " suggested '' and I said " Well no!, I have a code system that I can only decipher '' There is NO WAY people are able to know those specific codes because the ACTUAL PIN number WAS NOT written anywhere in my wallet. I had no problems with my other credit card companies and XXXX bank, they saw unauthorized transactions did in fact happened. clearly saw I was a victim of credit card fraud. 
If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, XXXX terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account with Wells Fargo was frozen for no reason or explanation for a week in XX/XX/2021, then they unfroze after I tore gating ne with questions. I been loyal, great client with them for many, many years. Was not happy about it and was intimidated and harassed. Felt like I never get my money back what was on my checking account balance.

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 2023-01-19 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: NJ

Complaint narrative:
I dont have the dates. I read the article online about Wells Fargo and the lawsuit charging for over draft fees. It said if you didnt hear from them to call. I did call them this evening and I was told they know nothing about it.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My account was closed by Wells Fargo cause I didn't close it

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo incorrectly charged overdraft fees on debit and ATMXXXX through 2015.Atm debit card fees {$3.00} per 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 2023-01-19 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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
Consumer complaint received 2023-01-19 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:
They allowed someone with a fake id to come in and change my acct and order checks also do alot of fraudilant activity using my acct.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had issues with deposits and check cashing services. There were also issues with using my debit card when making purchases. Several overdraft fees and NSF 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I got 2 different Mortgage Loans... perhaps over charged on my New Loan ..can you please check .... & Chards have a Very high % % % % % % % % why ... ..Thank you ... XXXX XXXX been a Wellsfargo Customer since 1987 ... XXXX XXXX Many years ....

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was constantly charged for overdraft when the account was not over drafted. Funds not available for 5-7 days after direct deposit. Was XXXX on timed that I had multiple vehicle loans from Wells Fargo when I never opened a vehicle loan with them.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
When I was with wells Fargo I couldn't make withdraws of more then XXXX XXXX  at times. Also when j try to deposit it would never let me deposit nor withdraw.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was one of the original cases of fraud with Wells Fargo Home Mortgage in XXXX. We were over our heads due to my ex-husband being " Furloughed '' multiple times per month. We had our home on the market and had a renter who was paying us and we were paying the mortgage company and had never missed a payment. We were moving to XXXX  from XXXX  XXXX  for my husbands ' new job. I called during our move because my final paycheck ended up going into someone else account, due to an error at the University I worked for. I called to tell Well Fargo that the payment would be a week or two late, because of that. I was asked if I wanted to go into forbearance. I said no. From that month on, when I made a payment, it came back to us and I was unable to get an answer as to what was going on. Shortly after our renter started getting foreclosure notices on the door. Wells Fargo even took out an insurance policy of their own on the home, telling me I didn't have one, and billed us for it. It was nearly 4x what my policy was in cost. 
Our renter, having decided the foreclosure notices were accurate, despite me telling him it was not true, split, leaving the house a mess and not paying for several months rent. 
We finally got an offer on the home in less than 6 months. My agent and myself kept sending documents for a short sale approval. For another 6 months, Wells Fargo said they didn't have the documents, they couldn't read them, and more excuses. I even paid {$40.00} to OVERNIGHT and SIGNATURE REQUIRED delivery. Those documents I was told were unreadable when uploaded, same as all the others. I even used Well Fargo bank in XXXX XXXX to fax the papers to the correct department, and we were told they were still unreadable. 

Needless to say, after the buyer backed out ... don't blame them. We filed bankruptcy to get out from underneath the nearly year and a half of XXXX I went through on the phone hours per day with countless individuals. I may multiple complaints to the Office of the Comptroller and every agency including XXXX  and more. We got a {$4.00} check years later and otherwise have never heard anything else. A friend today sent me an article about Well Fargo finally paying out up to {$24000.00} for mortgage fraud and that they were supposed to contact us. I have YET to hear from anyone and if there is anything I can do to get even just a fraction back, I would be thrilled! I have been unable to get financially stable since this event and it led to my divorce and in part to my XXXX XXXX at age XXXX. 

I still have most of the documents from this and can prove everything. Please let me know what I can do now.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Several accounts were opened in my name, it could have aversely affected my credit.additional investigations have revealed more unsavory practices at Wells Fargo. 
The fees that I have been charged for overdraft fraud have been ridiculous. 
I insist everyone of my accounts be looked into with a fine tooth comb and I want my money back. 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 2023-01-19 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: TX

Complaint narrative:
As soon as I received the XXXX bill on XX/XX/2022, I contacted the company and report this account was opened and charged with identity theft information. I have also reported to FTC and filed the fraud alert on my credit report. However, the company keeps sending me bills and charging me interest and late fees though I didn't have any agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After numerous attempts to work with Wells Fargo, they repossessed the vehicle and bullied me into having to pay them a balance after the vehicle was repossessed and sold. This happened in either XXXX or XXXX and I am uncertain as to the exact amount but Wells Fargo should have some record of this incident.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an XXXX XXXX Promotional APR for a certain period of time. 

I accepted the offer and received a credit card soon. 

However, I have never received any notification from Bank of America to specifically let me know when the XXXX XXXX Promotional APR ends. 

On XX/XX/XXXX, I accidentally found my credit card was charged of very high interest for two months : Interest charged for XX/XX/XXXX : {$280.00} Interest charged for XX/XX/XXXX : {$270.00} On XX/XX/XXXX, I called BOA customer service to see if there is any resolution to reverse the interest charged, but my request was declined. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX and paid off all of my current balance of {$17000.00}. Then I called BOA customer service again to see if I can request a reverse of the interest charged, but again my request was declined. 

On XX/XX/XXXX, my credit card was charged of another interest of {$210.00}. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX to speak to the representative, asking why I still have interest charged even after I paid off all of my credit card balance. I was told that the interest charged on XX/XX/XXXX was for purchases made for the previous month. 

I was trying to explain that Bank of America had never sent me any type of notification to specifically notify me the date that the XXXX XXXX Promotional APR of my credit card ends. If I were notified of the ending date of the XXXX XXXX Promotional XXXX, I would have paid off all the balance to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.

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 2023-01-19 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: WV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-01-19 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: WV

Complaint narrative:
in accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Did a payment plan and they then refused to honor then did a consumer payment plan and they continued to refuse payment and stated it was repossessed and showed in collections when I actually had the vehicle and continued to make payments

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 2023-01-19 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: NC

Complaint narrative:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
A dispute has been ongoing with XXXX since XXXX The company has attempted to collect a false debt by using no less than a dozen collection agencies. I've disputed and won all my disputes but XXXX has now submitted false information to a collection agency and my records can't dispute the collection because the " proof of debt '' is all false information. The collection agency doesn't care and has tarnished my credit report using this fraudulent 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 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an XXXX with UMBXXXX ( " UMB '' here for purposes of brevity ) until the end of XXXX. 

In XX/XX/XXXX, I submitted a claim to UMB to pay a {$1400.00} XXXX XXXX bill. UMB charged me {$140.00} in fees before deducting the {$1400.00} from my XXXX on XX/XX/XXXX. Payment was reportedly sent to XXXX that day. ( I subsequently transferred the remaining UMB balance to a successor trustee, but that's not the issue. ) When I was told by XXXX XXXX that the payment was never received, I contacted UMB on XX/XX/XXXX and was told that the check had never been sent. It had been left in " check printing to the provider '' status. UMB supposedly voided and reissued payment to XXXX at that time. 

When XXXX continued reporting no receipt, I contacted UMB again on XX/XX/XXXX and was told that the replacement check had been sent to XXXX on XX/XX/XXXX, not XX/XX/XXXX. 

UMB now concedes that it can find no record of the XXXX replacement check ever being sent. XXXX is now sending my bill to a collection agency, jeopardizing my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I had my mortgage through Wells Fargo just wanting to know if I qualify for the law suit I haven't been informed by them about this law suit They had my loan from XXXX to XXXX with loan modifications I sold the house in XXXX of 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Well back in I believe 2011 I lived in XXXX XXXX, NV. I had a Wells Fargo checking account. My account was closed due I believe empty envelopes in the deposit slot at the ATM. AND there was no money or checks. At the time my account had between $ XXXX {$400.00}. I never received my money that was in 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 2023-01-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, my rights has been violated. 

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.

Company response to consumer: Closed with explanation