vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was mislead into entering into a fraudulant auto loan with Credit Acceptance Corporation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX in the amount of {$500.00} Filed claim within 1 hour of fraud on XX/XX/2021 Claim XXXX Provided Wells Fargo with all information needed to recover my money from the person who committed the fraud, provided his name, bank account, phone number and email. 
Wells Fargo should have stopped the transaction before the XXXX payment was 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When sending payments to my local yearly taxes, they will withhold my check for up to 3 months and never deliver the check to the tax office. thus creating big stress and painful worries, due to the check never arriving.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of Late I seem to have a problem with all three Bureaus ( XXXX, XXXX, and Experian ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are XXXX inquiries that are supposed to be removed as well however they are still on XXXX and is not on XXXX or Experian. The Inquiry Accounts were XXXX  XXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXX XXXX  XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Due when the nation was getting a stimulus check. My account was very low, and when the XXXX was put in my account, there was a XXXX deposit it my account as well. I didnt know where the XXXX came from. Well almost a month later, Wells Fargo took the XXXX out of my account leaving me negative. I called, sent emails and tried to call corporate. To no avail I was forced to close the account after 5 years plus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Took XXXX and say that that i don't have and close both accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
And theyre constantly sending me mail and regards to this dad that Im not sure of it doesnt seem like it belongs to me and I basically just want it removed from my credit report at this point it seems like its harassment and I cant get in touch with him through phone or by email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo closes my debt card account without my authorization

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 2023-01-20 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: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For years from about XXXX through XXXX i had countless overdraft fees and had many items returned because of them. It made made credit report list that my payments were late and i wasnt because the overdraft fees were done from the largest transaction to the smallest making them all bonce and get many over draft frees instead of XXXX or more. I have paid thousands in nfs fees through the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When I go to bank to get my money it never be safe so I talk to them about and never got no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
{$230.00}. Month for five years plus a checking an savings account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed and had {$440.00} taken out of my account. Immediately after the amount was debited from my account, I received my check. I contacted Wells Fargo and let them know this had happened and they basically sent me a letter saying that my account wasn't negatively affected. I was sent into debt and had trouble paying my bills. When I wanted to close the account, they didn't do so. I racked up {$160.00} in overdraft and 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Had a Gap Visa XXXX credit card and they were bought out by Barclays Mastercard. I have an outstanding {$6000.00} refund I am still owed. 

Claim Numbers : XXXX # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX Barclays # XXXX and # XXXX XXXX  Complaint # 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 monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have overdraft feed that shouldn't have occurred. When I call Wells Fargo, I get transferred or hung up on. Do I had or was forced to pay fees that I shouldn't have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo continually gave me problems from XXXX to XXXX when I finally had enough of them not crediting my account, overcharged fees, unauthorized debits, fraudulent deductions and not letting me use my card in XXXX, even though they were informed prior to my travel. I suffered greatly with there Managers unprofessional attitude/disrespect in XXXX at the bank there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The bank is putting through payments when I do not have enough money in my account THEN charging me a fee for each. 
I called customer service and told them not to do this but they continue to do 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 2023-01-19 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: CA

Complaint narrative:
charges were messed up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
During the Covid pandemic I was late on a payment when my unemployment benefits ran out after being on them for 6 months. I was a period without benefits because I had exhausted my Connecticut benefits which was the state I was living in at the time. Due to me having moved to Connecticut recently I was not eligible for extended benefits and was told I had to file in my previous state of residence which was Arizona. That took time and I went without any benefits for 3-4 weeks. I was 30 days late on 1 payment because of this and I am asking that Comenity bank please remove this from my credit report. All other payments were made on time and as soon as I started receiving unemployment benefits. I am in the middle of having a house built and this one of the two bad things really holding my score down. My payment history is 100 % ( not sure how because of this late payment but it shows 100 % for XXXX and XXXX. So again I am asking that Comenity bank in goodwill due to the pandemic please remove this late payment.

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

Complaint narrative:
About XXXX or XXXX wells Fargo froze my account when I had money in account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Greetings. 

I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. 

Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX  am blocked, therefore preventing me from resolving current and future issues. 

Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX  to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. 

Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. 

The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. 

In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Everytime i open an account they close it i just had 2 or 3 accounts last year which was 2022 i couldn't never get a good answer why they kept closing my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I would have money in my account and my bills being taken out on an automated service and then I would get a email saying unsufficient funds and then charge me an overdraft fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Last year on 2022 my wallet was stolen and my debit card and all my information was stolen.my debit card was used several times until my whole funds were gone, I contacted Wells Fargo theft and fraud about my situation and si if they can help me recover my money back. So the agent for the Wells Fargo told me shell help me resolve the problem but instead of calling or talking they sent me a letter saying that my account is closed and that I had to pay for the fees and whatever was stolen that that was my problem they told me that they think I was the one that used the card.I called them back and they told me the same think that bank account is closed and that I had to pay for everything that theres nothing that they cant do, Im very disappointed on Wells Fargo customer service and the agent so I still want to receive my {$2500.00} that was stolen this happened before the XXXX holidays I was left with no money and very mad about the situation they told me that they couldnt 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me over XXXX in fees that were incorrect. I have been harmed substainally on my credit report and have had a hard time opening a checking account due to their illegal actions. I believe they were negligent and committed fraud. These actions took place between XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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

Complaint narrative:
The money in my account was frozen. I could not access my money. 
IRS accessed my account and I was given a XXXX XXXX to call. IRS said that Wells Fargo had froze my money so that the IRS can take it. This was around. XXXX 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo settlement from my old account missing.

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