vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. Covid hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus.

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 2023-01-21 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:
Overdraft fee each item

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 2023-01-21 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: NY

Complaint narrative:
Hello when I had a Wells Fargo account I was hit with a lot of fees and when I tried to Het some of them dismissed Wells Fargo was not accommodating I ended up leaving and going to chase. Ive since found out about the class action lawsuit and believe Im eligible to be reimbursed some of these 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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
They have taken over {$3000.00} of mine just missing off of my mortgage payments they subtract ed more when I complain last time they took {$1900.00} from me last time I complained I want an audit done on this otherwise I'm going to the FBI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo allowed XXXX XXXX to take money out of my account several times in over 6 months creating money problems for me. I ask them to give me XXXX to resolve the issues. This lady called me and offered me XXXX dollars and I kept calling her back but she would never call me back so I left her several messages and I told her that XXXX was needed to resolve the issues and so she did what she wanted to do so the issue isn't resolved Kept opening and closing accounts with my 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
in a day like this transitions of XXXX cents and they charged me XXXX dollars for each one I closed my account due to them and they transferred me to ah collection my card was without credit

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo to open an account I was told I needed my updated license to open the account. I left and decided to wait until I was able to get my new license in the mail to come back, an open an account. 5 days later I received information in the mail saying I opened up a new account and that was not correct. Yes I had everything when I went there besides an updated license my license was expired. We did go through everything but was told I would have to come back once I get my license renewed. As you can tell I never used the account because i never opened one. The fraudulent account is the worst you can do to someone without their consent.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account seemed odd. Not handled properly it seems. Loyal and proud member of Wells Fargo.

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 2023-01-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. XXXX hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus. Despite a recent dispute they are continuing to leave the information on my report, even with the proof of debt I have provided.

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 2023-01-21 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: MA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  1 ' ) account XXXX original account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 29602 has violated my rights!

15 U.S.C.1681section 602 A it also a consumer reporting agency can not furnish an account without my written instructions.

2 ) account number : XXXX XXXX XXXXXXXX BANK N.A.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made my payment on time but it was short although I was unaware at time that payment had changed due to end of year refiguring. They put that payment into suspense and took my next adjusted full payment and applied to last payment leaving me a month behind. They never contacted me and left the other payment in unapplied account. This went on for year and a half during XXXX. I did get statements showing payments behind at the time and late payments some showing current some showing XXXX payments behind XXXX showing shortage that I sent and I even paid late payments. During this time I also received a letter saying payments were being received late due to mail problems so I sent my payments earlier to avoid late payments. Never advised I was showing a payment behind. Eventually they charged my mortgage account for bad debt insurance policy. I am on XXXX for XXXX XXXX and admit I can not handle stress and easily get confused on paperwork when I used to be Comptroller and handled huge accounts so I avoid conflict but I finally called and started the fight. My bank informed me that my online payments do not go through the mail but are ETF and they get same day, eventually I argued with Wells Fargo all day and found out they held my payment in an unapplied account for months then applied supposedly to my balance instead of payment. They took into profit all my late fees although I was not late. They took into profit a bad debt insurance policy they created without my consent and Im sure have renewed each year and affected my credit with no reason whatsoever and when they discovered their mistake offered no apology or recompense.

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 2023-01-21 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: SC

Complaint narrative:
I was charged overdraft fees repeatedly in excess of {$35.00} per transaction from my checking 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 2023-01-21 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: TX

Complaint narrative:
There were unauthorized fees and transactions that I did not complete and I was denied the opportunity to dispute them. Ultimately, it urged me to close the account. This was between XXXX or XXXX I believe.

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 2023-01-21 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive made a purchase with this company and it just seems like no matter what I do to pay it off. It just seems like fees keep reoccurring I have to keep calling and telling them about fees that are being added to my account. I can not pay off this account no matter how many times I make a payment. It just seems like it keeps increasing in amounts. I keep seeing charges that should not be their fees that should not be charged. Im really confused about this account and every time I try to call it just gets worse nothing gets resolved.

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo should have included Me in their lawsuit payback related to payments being applied incorrectly, which in turn cost extra fees on the total amount paid.

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 2023-01-21 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I am currently facing an issue with PayPal in which they are not providing me with any assistance. I have been using PayPal to receive payments for small online jobs such as answering surveys and completing microwork tasks. These small jobs have been helpful in supplementing my income and expenses. Some of the tasks I have completed include answering surveys, editing photos, removing backgrounds from photos, and writing articles. 

On XX/XX/XXXX, I received a notification that my PayPal account had been permanently limited/banned and that my funds would be held for 180 days. I immediately contacted their online support through the " Message Center '' on the PayPal website. I had worked hard throughout XXXX to celebrate the holidays, and now my account is being held without any explanation. The only answer I got from them are : " We've reviewed your account and determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. '' " I am sorry but we can't grant your request as we decided to permanently limit your account. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. '' I want to assure you that I am not using PayPal for any gambling-related activities, and I would like to request that they lift the ban. I do not have any disputes on my account, and they can check as many times as they want, they will not find any gambling-related activities or disputes. I have always been compliant with their terms and conditions. 

I am hoping that you can assist me with this matter, and I look forward to hearing from you as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: MS

Complaint narrative:
I was supposed to receive the bonus for opening the account as long as I had the qualifying deposit to my account at least up to {$1000.00} and I never received that Ive reached out about this matter and they closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is inaccurately reporting debt not belonging to me as a collection 3X, THREE Times for same amount. This account I am not aware of an it is appearing on my credit report three times for the same date and amount Equifax must correct this error and stop the inaccurate reporting of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Equifax must delete the duplicated reporting from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
This is a continuation of complaints XXXX, XXXX and XXXX USAA called my wife on her XXXX phone this morning in XXXX ( XXXX XX/XX/2023 ) and she called back and authenticated with her USAA ID. Despite the fact that they called her on the XXXX  number on our account and that we submitted ( and they confirmed receipt ) of our passports, her residency card, and military orders showing our current location, they claimed they were not able to authenticate her identity. And I even sent our recently filed taxes ( I literally just filed it on XXXX XX/XX/2023 and it was confirmed in receipt by the IRS ) since the customer service agent that I talked with yesterday needed to confirm income ( I told her I am the only one with income in our family ). So they also have this as well. 

Despite the fact that I have called and talked with customer service half a dozen times since they froze both of our cards, provided them with the aforementioned documents, authenticated with my full credit card number and information and social security number and now even them talking with my wife on the XXXX  phone number associated with our account ( even though we took charges to have the call with a US number ) and she authenticated with the USAA ID, they stated they do not have enough information to authenticate us. This is beyond ridiculous and they apparently are choosing not to recognize government identification. I am reaching out to a lawyer to discuss my next steps as soon as I can reach one ( Ill have to find one I can talk with on Saturday ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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:
My Wells Fargo checking account has been hit with overdraft fees every month over the last 2 years or so.

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 2023-01-21 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: AL

Complaint narrative:
Unauthorized payments was taken out for {$91.00} XXXX $ XXXX $ XXXX $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo made me resigned my lawyer and did not want to give me a loan modification. When I resigned my lawyer, they didnt modify my loan but forced a forever range balance on my mortgage. Later on the loan was solved and it still Carries forward the forbearance.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had to stop using XXXX because money use to come out my account Everytime an I always called an tell them I miss money they always say Im not but I kno what be in my account an my friend said they use to take money out his account as will

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 2023-01-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received an alert from XXXX that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXXXXXX. I filed a dispute with XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with XXXX but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX  and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!

Company response to consumer: Closed with non-monetary relief