vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In early XX/XX/XXXX I received a bonus offer for {$550.00} from Fifth Third bank with a unique offer code. The offer required me to wait XXXX if I had a previous account with Fifth Third bank in order to qualify. The account I had with Fifth Third bank was previously closed on XXXX XXXX XXXX, so to meet the time requirement I had to wait until after that date in order to qualify. 

On XXXX XXXX XXXX having met the XXXX requirement I opened a new checking account in order to qualify for the {$550.00} bonus offer. The time difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXXs excluding the end date, or XXXX XXXX XXXX days excluding the end date. 

I signed up for the bonus offer and a document titled " {$550.00} with {$3000.00} XXXX Checking Offer '' was created during the signup process. In order to qualify for the bonus I was required to " make direct deposits totaling {$3000.00} or more within 90 days of account opening ''. 

Fifth Third bank defines a direct deposit as follows : " A qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension, or government payments ( such as Social Security ). '' I made XXXX XXXX deposits as stated on the qualification requirements in excess of {$3000.00} each time. Since the deposit requirement states " may include '' it does not define that deposits had to originate exclusively from those sources. The cash bonus was to be deposited to my checking account within XXXX business days after making the {$3000.00} XXXX deposits. 

Fifth Third bank failed to post the bonus as stated on the terms. I contacted my personal banker XXXX, and I informed him about not getting the bonus in the time specified. XXXX stated that he was going on vacation and would have someone else look into this matter. That person never followed up on this issue. 

When XXXX returned from vacation he called to update me on this matter. This time XXXX requested the documentation I received for the bonus offer. I emailed that information to XXXX. A week goes by, and I call XXXX for a status update, and someone else answers the phone informing me that XXXX no longer works at Fifth Third bank. That person stated that someone else would contact me. I have yet to hear back from anyone regarding this matter. I feel like I'm getting the run around and that this matter is not being addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
My vehicle was repossessed after talking to them and working on my payment with them. Then they made it difficult for me to get my truck back. Then never informed me properly by Florida law that the truck was going up for auction. They say I still owe them money even after they sold my truck.

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have revolving acct saving if My checking acct were to get below {$100.00}, they will transfer money from saving to checking so I would not be charged a {$25.00} fees. 
Wellsfargo closed my saving acct without my permission and started charging me {$25.00} fees for my checking account on monthly basis. When I called them, they claim that the offer is no longer available and was terminated by the bank.. This happen prior to 2017. 
This illegal conduct had caused me to pay {$25.00} monthly charges and caused me to pay numerous over draft.

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 2023-01-22 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:
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.

Navy FCU ( Finance ) These companies have 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 explanation
Consumer complaint received 2023-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX and XXXX in fact what these credit rules are doing is very illegal collections on my record under the fair credit Im not getting treated fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Every month late fees. They have added up like a house 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 2023-01-22 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: OH

Complaint narrative:
These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, Engelhardt V. Gravens ( XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 2023-01-22 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: CA

Complaint narrative:
I kept getting charge many overdraft fees unauthorized transactions I never made

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ). 
Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo closed an payee account XXXX took money out my acct. I contacted them n they put it back than a month or 2 wellsfargo took the money they put in my acct & made my acct overdrawn and than they closed 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 2023-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I went to apply for a personal loan at a bank it says I had too many inquiries within 12months... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.

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 2023-01-22 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: FL

Complaint narrative:
Well far change excessive fees and froze my 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I've been charged XXXX every month since I've opened the account, and when I asked the representative on the phone call when I opened up the account last year, she stated I wasn't suppose to be charged. But I kept being charged.

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 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT There is a collection on all three bureaus for {$150.00} from Law Offices XXXX -ALLEGED ACCOUNT # XXXX that does not belong to me I sent XXXX XXXX XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX. This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I am putting XXXX on NOTICE : to verify and validate this debt but do buy some random account for pennies on the dollar and slam it on my report without VALIDATION i have no recollection of such account. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : United Consumer Finance account XXXX XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr AXXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 1666B : 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 explanation
Consumer complaint received 2023-01-22 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: TN

Complaint narrative:
They charged XXXX $ fee every time account was even XXXX $ over for non sufficient funds and not only XXXX time did up to 5 times in row also if you couldnt get money to pay account to a positive balance charge every day XXXX $ such a rip off

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 2023-01-22 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: ID

Complaint narrative:
On XX/XX/XXXX i called Wells Fargo regarding my account it is in the negative by XXXX dollars. There is absolutely no reason it should be in the negative. Wells Fargo has caused nothing but problems. Ive been a customer since XXXX. Wells Fargo is charging me from my payments I made but I clearly had money in my account to cover my transactions. When you go to purchase something from a company it automatically pulls the money from your account and holds it till it goes through so by then it deducts that. Amount from your account, well They are saying they authorize a overpayment my card features doesnt even have overpayment option so they do it outta kindness so basically they are charging me fees that they authorized and expect me to pay that if you look at my account I had the money to cover every purchase I made. They are crooks I didnt ask them to cover anything if I do not have enough in my account then it should be declined period!! I am not paying that I didnt ask for them to help nor the features on my card should not have allowed that. Customer service at Wells Fargo were very rude and had no communication at all they kept transferring me They did not know what they were talking about. I asked about XXXX hardship or inflation hardship. They do not offer help. I feel Wells Fargo is charging me for overdraft fees that clearly are wrong.

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 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
SUMMARY : XXXX. On XXXX XXXX XXXX wallet was infiltrated. 
XXXX. Without my authorization or knowledge, {$200.00} worth of XXXX ( XXXX ETH ) was transferred out of my wallet. 
XXXX. The funds ended up on the Binance XXXX. 
The details below are provided in the hopes that each recipient will help investigate or facilitate investigation into this matter. 
ALL OF THE FOLLOWING TRANSACTIONS ARE UNAUTHORIZED/ILLEGAL o 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 ) This message and attached documents are being sent XXXX the following organizations : - U.S. Federal Trade Commission ( FTC ) - Commodity Futures Trading Commission ( CFTC ) - U.S. Securities and Exchange Commission ( SEC ) - XXXX XXXX XXXX XXXX XXXX XXXX  ) - Consumer Financial Protection Bureau ( CFPB ) - Binance XXXX Binance XXXX XXXX XXXX Thanks in advance for your help in this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX mobile )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We just realized that we should check our daughter 's credit report ( XXXX is XXXX ) as well as place a freeze to her credit for her own protection against fraud and identity theft. However, we attempting to do so, Equifax ( you know the company responsible for the Data breach that made freezes free to everyone ) wants us to mail in copies ( adults and child 's ) of our Social Secuity cards along with driver 's license, and birth certificate cards, with their form. If this gets lost in the mail or stolen, there goes all our most vulnerable information for someone to steal all our identities. How is this the correct course of action and what can be done about it? 

While I am here, why is XXXX allowed to charge you for their XXXX boost services. You mean to tell me that I don't actually have to be a good consumer, all I have to do is pay you money and you'll raise my credit score?

Company response to consumer: Closed with explanation