vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was trying to withdraw XXXX from my checking account at the XXXX XXXX minnesota branch i gave my well fargo debt card put in my pin number then i gave my minnesota driver 's license i filed out a withdraw slip then was asked if i have anything else with my name on it i said no then the teller started talking to the teller that was next to him that i could not hear what he was saying then he took my driver 's license, bank card and slip i filed ouu to the back then he came back XXXX to XXXX mins then i ask him for my driver 's license and debt card he said ok then i asked for a supervisor or manager he went to the back came back with a lady i stated to her i been here over XXXX minutes trying to get money out of my account i dont know what's the hold up she said the money is not cleared and my account yet i said yes it is i show on my phone from my wells Fargo account that the money was cleared on XXXX and i showed her my account balance that i had more then what i was requesting for long story short she refused to gave me the money on XXXX so on i left and called the wells Fargo customer service number and made a complaint and the lady over the phone stated to me the deposit was cleared on XXXX and she see the money and my account saying she don't know why she did not give me my money so i went to a different branch and XXXX  minnesota XXXX XXXX and withdrawal the money with no problem at all so i feel like i was discriminate against because i was a person 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 2023-01-17 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:
In accordance with the Fair Credit Reporting act 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a bank account at Citi bank back 2021 and they let someone hack my account and try to deposit {$8000.00} into my account without permission due to a fraudulent XXXX transaction the bank ended up returning the money tot the person who tried to deposit it into my account so now it left me with outstanding balance for {$510000.00} which I have tried to explain to them that I shouldn't owe it cause it's preventing me from opening a new bank account any where

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 2023-01-17 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: TN

Complaint narrative:
Someone fraudulently used my XXXX XXXX card. After I became aware of the fraudulent charges I contacted XXXX XXXX. XXXX XXXX reversed the fraudulent charges, fees and interest in XX/XX/XXXX. XXXX XXXX corrected the account status except for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to report the account was 30, 60 and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After XXXX XXXXXXXX corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to XXXX XXXX for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent XXXX ( XXXX ) letters to XXXX XXXX attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. XXXX XXXX  in every identical letter has refused to correct the reporting error. I called XXXX XXXX XXXX ( XXXX ) times about the matter and spent at least XXXX hours on the phone in total. XXXX ( XXXX ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of XXXX XXXX XXXX XXXX XXXX XXXX would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX attempting to deal with XXXX XXXX. I was told by XXXX XXXX not to pay and was issued a new account and card yet Capital XXXX wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call XXXX XXXX. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the XXXX XXXX XXXX XXXX on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or XXXX to correct the error. After XXXX minutes the line went dead. Please help

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I performed a {$2000.00} balance transfer under a 0 % interest for 14 month balance transfer promotional offer sent to my email. The balance was transferred, and I was charged a balance transfer fee ( as expected ), thinking I had 14 month to pay off those {$2000.00} dollars, as suggested by the promotional offer email. However, come XX/XX/XXXX, the close of my statement balance, the entire {$2000.00} was displayed in my " interest saving balance '' and when I called I was told yes I have to pay all XXXX by the due date or else I will be charged interest. This is different than the advertised promotional offer. They said this is because I also utilize the " chase plan '' benefit on the card for other purchases ( that are not the balance transfer ). I was utilizing the chase plan at the time when, in my Chase portal, it still showed that I was eligible for the 0 % interest balance transfer. In the end, they just charged me {$80.00} to switch {$2000.00} from a different card to one of their cards to be due the same billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I invested {$5.00} XXXX in XXXX. I lost some money but I still had some cash ( {$500.00} ) and two XXXX coins in my XXXX as of XXXX XXXX. I checked my account in late XXXX and I saw that there was XXXX money and assets in my account. I complained and the Coin Base made me go through many questions to identify me after a few days, they recovered my account. I wanted to withdraw everything so I first sold my coins. The website would not allow me to withdraw immediately. I had to wait so I waited two days then went in to ask for a withdrawal and there was no money in the account again. I complained again, but this time they would not help me and said I should report it to the law agencies.! They, Coin base has to be on this scam. I WAS NOT HACKED, they stole my money.!! I need to get a report number so I can claim this loss in my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NJ

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, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX 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
Consumer complaint received 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
I originally got the loan in XXXX for a trip out of the country. I didn't realize the damage i was going to endure through out the loan. I kept receiving emails to refinance at a lower interest rate which was XXXX XXXX at first and dwindled down to around XXXX XXXX after refinancing. I am basically now stuck in this loan and have been paying for years. 

I recently was laid off and now they will not stop payment until I find a job. they will continue to take money out of my bank that doesn't have the money to pay the loan payment. I don't want to close my bank account I have had for XXXX  years. They will not help me and I am out of options on what to do with this high interest loan. I have paid more then I have owed probably XXXX or XXXX  times over. {$140.00} XXXX  a month. I am still on time but I know what will eventually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The car was deemed total loss and being taken care of by XXXX. Exeter finance then contacted my employer and gave them personal information. I called the company previously and asked them to not contact my employer in regards to my personal auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HGREG.com
State: FL

Complaint narrative:
I, XXXX XXXX, applicant, dated on XX/XX/2023 went to car dealership at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. However, XXXX XXXX XXXX XXXX, has failed to comply with the Equal Credit Opportunity Act. In addition, I was not able to get the Auto loan. I have reasonable cause to believe I was discriminated. See attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
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 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  
XX/XX/2021 unathrozied inquires fruad

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: MS

Complaint narrative:
Home of Record : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : ( account number, if applicable ) On XXXX XXXX, 2022 I received an email from XXXXXXXX XXXX XXXX American Financial Network regarding the Application I'd completed on the XXXX official site with attached banking, employment, tax, and XXXX XXXX documents. 

My application was submitted prior to XXXX XXXX, 2022. I received email from loan XXXX XXXXXXXX XXXX XXXX XXXXXXXX stating he'd received my application from their system. He begins asking for the same documents I'd provided XXXX by XXXX. This went on for a span of XXXX weeks. We've gone through XXXX credit report pulls and my submitting letters from creditors of payments and balances made. XXXX was days apart and requesting the same documents again some for the XXXX and XXXX time. Were get to XXXX weeks and still there are no underwriting attempts for pre-approval. 

I made it clear I work in construction for a company that has projects in more than XXXX states across the United States. I work in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was then asked why I was buying a home in my home state but would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was denied the first Pre- Approval for this reason. I'm renting in the state of Georgia. My home is Mississippi as says my license, vehicle registration, voter registration, company pay stub mailing address, and other documents. Yet I can't buy in the state I live and work in another state which is the nature of my profession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX I opened a XXXX XXXX card, there was a promotion at the time of opening the card and that was receive XXXX % off your first purchase. When I ordered the watch the rep charged me the full amount of the price of the XXXX. I have XXXX  over the last XXXX plus months to both XXXX XXXX and synchrony bank to have this resolved. Over the course of the time XXXX XXXX had said the credit had been issued but the bank keeps telling me they havent received anything from them to warrant the {$100.00} credit. I have a case number from XXXX XXXX that I have supplied to the bank and they are still refusing to issue the credit against my card. The case # XXXX. All the information is contained in that case number to justify issuing credit against my card. To date this still has not been fixed, it shouldnt take 5 months to resolve this issue and I need some help in getting this resolved please.

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TMX Finance LLC
State: GA

Complaint narrative:
I currently have title loan for my vehicle. I have constantly gotten calls of harassment from the office threaten my vehicle would be repo. If I am week late or two weeks late. Recently had a company that was willing to buy out my car. With XXXX I had my car auction off. Contact the title max company advise the XXXX regarding a 10 day payoff. XXXX fail to provide the appropriate amount. Which then my deal fail through at the time of drop off. The general manager and the Store manager call titlemax that day on Saturday XXXX of XXXX and was told that she could not provide them what they needed at the time. I even called and could not get her to provide me the 10 day payoff. On Monday XX/XX/23 I get a phone call from title max I answered the call dead silence. I called back after the call and XXXX answered the phone I asked her why did Hangul on me she state she did not hear me. My property manager was here in the office when these calls were being made. Upon speaking to aylissa she proceeded to tell me that if I had not brought a payment in she was going have my car repo. I then proceeded to ask XXXX why had she not provided the 10 day payoff that I asked her for on Thursday XX/XX/23. She said she could but then would manual a 10 day payoff. I loss the deal with the company do to her negligence and on top of that she called me right on Monday threaten to take my car. I then proceeded to call corporate regarding the issue. Which they redirected me to XXXX advise them I did not want to speak to her I wanted to speak to her superior. I finally spoke to XXXX who is her boss no result only apologizing saying we hold off until next week of payment. Which at this point in time is not a solution. I am very distraught with the harassing phone calls which on several occasion XXXX has threaten to pickup my car and it hasnt been a 30 day window to do so. I have asked XXXX on several occasion to transfer me to another store where she has refused. I even attempt to sale my car with no avail was not able to because she purposely did not provide proper documentation. I pay over XXXX to XXXX dollars already on this vehicle with a pay of XXXX. Which at this time is too high. Not to mention ot does not hit the principle of the loan. I want something done this has mentally stress me out where I am not able to function with this constantly over my head. Then to be constantly threaten. Titlemax has no integrity whats so ever. I filed a complaint each month to corporate to nothing happening I can barley pay my other bills with economy prices going. All my money and time is going on this vehicle. I tried to have bought out still couldnt get that done. I am now keeping my car but want to get out of this loan. I borrowed XXXX dollars on this loan. And have paid over XXXX but still owe XXXX. I can not do this. I want file complaint agains this company literally stressed out because of all this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This dispute has not been resolved by XXXX XXXX XXXX XXXX. 
On XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX charged to me the amount of {$420.00}. As soon as, I notice this charge, I called to the credit card, and I dispute it. On XX/XX/2022 the credit card send me a letter saying that the dispute has been closed, because they did not find any evidence of fraud. Once again. I called to the credit card and re-do the dispute, requesting for the invoice to see the charges, but they closed it, again. 
Dispute ID : XXXX, requesting for the invoice to see why the hotel are charging me this amount, because minutes before leaving the hotel, I got my invoice which is for XXXX Shekel ( I have a copy of this invoice ). 
Today, I called again to the credit card asking for the supervisor, and noted that agents, lack knowledge, and how to resolve issues such as the one I am experience. 

I will sent by mail copy of the invoice, that I got from the hotel before leaving. 
And copy of the letter where the dispute was 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