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 — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I first started getting hit with hidden fees then the tap option havent worked on my card in months and this is a replacement card. My phone was turned off because of my card tap option not working for 2 days.

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: GA

Complaint narrative:
So my account was being in the negative every time my checks would be deposited into the account, Wells Fargo would take money from my checks were I would have to pay bills but I couldnt pay them because they kept taking money from me. Ive had my debit card on file with apps I would cancel the subscription from but it was still charging mg account so I did get that situated but Wells Fargo kept charging me a {$35.00} over draft fee with is unnecessary because they shouldnt still be charging me a overdraft fee after I than took care of the problem with the other company that was charging my card. So I called Wells Fargo and they said they couldnt give me all of my {$35.00} over draft fees they had been charging my account all the way back in XXXX. They only gave me like XXXX payments of the {$35.00} over draft fee with was last year in 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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First, I had to pay {$50.00} several years ago for an account that I didn't open. 
Second, I deposit my paycheck and they put a hold for 12 days on for no reason because when I contacted the bank that which it came from that had told me that it was cashed the day it was deposited. And I'm still waiting for it to clear. This is the second time it happened and it's all been lies. They hold my checks and blame the other bank that which it came from.

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 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:
{$2000.00} amount on credit card debts. Interest just got really high with no notice send to me. I had to go bankrupt.

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 — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was supposed to have {$230.00} direct deposit from my rent rebate. It wasn't in there so I called the IRS. I was told it was out into an account on XXXX XXXX told werethem it wasn't there. They told me to talk to the bank first that it was in an account. When I did they told me it was in an account but not mine. They said It wasn't my account so I couldn't get it out. So I called the IRS and was told they've been known for doing that. They couldn't do anything about it. Not even stop payment or turn them in. When I went back to the bank they told me they looked again and it had went to my account and I spent it. 
Which was not true. Later on they were in the paper for opening false accounts. I never recieved

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 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I can not find the expiration date for the promotional XXXX % interest balance transfer ' I have with this credit card. The date that the promotional period expires is not on the monthly statement, nor can I find it anywhere on the website.

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: IN

Complaint narrative:
Numerous times I would be charged nsf fees and my card would not go through

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: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
Contacted Village Capital last XXXX to have them fix errors with their reporting of this account. They never fixed it and as a result, I was unable to purchase a home due to their failures. 

15 USC 1681 s-2 says you Village Capitol are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
They closed my account because they said they do a yearly review I had to many claims so its best if they close 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
They would deduct the highest charges in my account causing insufficient fees for all the smaller charges. Obviously created by design. If this was done reverse, there would be fewer fees. There times I was hit with 3 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 2023-01-22 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: AZ

Complaint narrative:
I would be charged extra overdraft fees And hold a payment until my account was low then process it which would cause overdraft fees, and extra overdraft 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Between XXXX thru XXXX well Fargo held a check over the extended period released funds without out my knowledge then funds disappeared for XXXX XXXX then account was deemed fraudulent attempted to resolve multiple occasions

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the Credit Reporting Agency Transunion. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Transunion decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Transunion being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I have no clue what this collection is for. Where the amount came from or even if I owe the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
An unknown report inquiry appeared on my credit profile and I had to pay XXXX a month to XXXX XXXX. What a nightmare.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am unable to determine the expiration date of my 0 % promotional rate on my existing balance transfer. The information is not available anywhere on the website, or on any of the PDF monthly statements. I would like to know when my promotional periods ends, so as not to incur any interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
The descriptions provided for me did not really describe my complaint. 

The Law Firm of Blitt and Gaines infringed upon my common law copyrighted private property. I informed each of the partners in writing of this infringement and gave them time to respond. They did not respond in time and, therefore, accepted my terms as outlined in the notice by written communication. 

I then sent each of the partners an invoice for the amount of infringement. I have not been paid. This means that they did not report the claim to their bonding company which is a felony. 

Not only did they not report this but they continued infringing on my property for which I will submit another invoice. I just want to get the first part of this issue resolved.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the Credit Reporting Agency Equifax, Incorporated. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax , Inc decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax , Inc being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
As of XX/XX/22. Any medical bill under XXXX should not be collected. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today released a bulletin reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. Companies that try to collect on medical bills that are prohibited by the No Surprises Act, or who furnish information to credit bureaus about such invalid debts, may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The bulletin advises credit bureaus that the accuracy and dispute obligations imposed by the FCRA apply with respect to debts stemming from charges that exceed the amount permitted by the No Surprises Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
IAM requesting Equifax, XXXX, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX XXXX XXXX XXXX at XXXX XXXX as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX. I presume no evidence of the Alleged Debt therefore exist. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Some one stole my bank and was making despoit on 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 2023-01-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 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 or has resonable 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
hello, i became aware of a settlement by Wells Fargo Bank to customers who had accounts from XXXX XXXX XXXXXXXX i found the information through this article : XXXX XXXX XXXX 

i reached out to the bank, however, the representative wasn't aware of the settlement. she also asked me what fees i might need refunded. i don't have records of fees for that XXXX year period, and i would like to verify that the bank does not owe me any monies either through erroneous fees or as compensation as part of the settlement. 

the article instructed me to this website, saying that you could follow up with the bank on my behalf. 

thank you.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22 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: TN

Complaint narrative:
I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief