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 — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX, Im being charged an NSF Fee being for less than {$5.00}

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over charging my accounts charging me way more than they should

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Never received a bill and they closed my account and they took points off my 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 2023-01-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear sir or madam, I notified XXXX credit report bureau regarding, why my car loan payment, was not being recorded no more and they advise me to notified my lender XXXX XXXX XXXX XXXX in XXXX XXXXAnd I did that, but after the dispute for some strange reason they deleted my file do to the dispute rended, my credit score fell by XXXX points even thou i ve being paying my car loan for the past 2 years on time and it was being recorded every month.Now my credit score fell to XXXX from XXXX, I never aspked the lender to delete my file, they accused me that my dispute cause them to delete my file very rude people, advise me to get a credit advisor .I 'm still making on time payments they refuse to reinstate my file need your help on this thanks

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: FL

Complaint narrative:
Wells Fargo close my account because I deposited a large check from insurance company. The bank manager actually charged took charge and deposited the check in the ATM outside to show me how it worked because I was a little concerned about at large amount. They said {$100.00} available immediately and rest in 7 to 10 days. Shortly I received a notice account was closed and I had to wait a couple of weeks to get a refund on the check. Actually I had to go to the insurance company that was handling mothers affairs and have a brand new check written to me

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount XX/XX/XXXX Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reportedXX/XX/XXXX in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XX/XX/XXXX{$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections

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: 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days. 

On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX  to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call. 

It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX, 2021 over XXXX on transactions were transferred, in ONE day, to a person I had yelled only a handful of times. I brought this attention to Wells Fargo the next day due to it was Sunday & XXXX was closed. ( this occurred on XXXX XXXX, I will never forget because I check my balance online daily, at the minimum & I went into panic mode ). They referred me to the fraud department who investigated and finally sent a letter in the bank 's favor, the transactions where legitimate. I contested the decision & was working with a woman named XXXX. I explained repeatedly I did not authorize these transactions ; XXXX in 24 hours and is well over the amount you can XXXX  to a person incrementally or at once. Wells Fargo closed my case after escalating ad high as I possibly could, including contacting headquarters. I'm out XXXX and basically had zero recourse.

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: TX

Complaint narrative:
I had a checking account with Wells Fargo and after doing a job I was paid with a check and I had deposited the check into my account and the bank said the check was bad and just closed my account without warning. Now I can't open an account anywhere

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: IL

Complaint narrative:
I'm not sure but i was told by an agent after I'd withdrawn funds that the depostitor who had sent me the money had sent a bad check therefore they held me responsible and closed my account and damaged my credit score more than it already was.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Thursday, XX/XX/2022, I mailed three checks by putting them into the mailbox outside of the XXXX XXXX XXXX XXXX. 

Check # XXXX was made out to my sister XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 

All three checks were signed by XXXX? ( XXXX XXXX XXXX  and deposited into his or her bank account at Bank of America, and the money was taken out of my account on XX/XX/2022. 
I do not know the place and bank account number where the money was deposited because in the three months since this occurred I only spoke to a person from Bank of America the day the money was taken from my account and Bank of America recognized this as fraud. Since then, I have never received a call back from anyone even after numerous calls to Bank of America. I have only spoken with those who answer the phone or someone who can not give me information on the case, and each time was told that someone would call me back but that has never happened. All I have been told is that Bank of America has the money, but it has not yet been returned to me. The XXXX number from Bank of America is : XXXX. 
My bank, XXXX XXXX XXXX, filled a report against Bank of America on XX/XX/2022 and has not yet received a response from them.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I ordered XXXX jerseys from an online store that are clearly counterfeit. I have provided the proofs of such counterfeiting to Chase ( see attached documents ), but they are requiring me to get a letter from XXXX stating that the jerseys are not authentic. I have attempted to get information on the authenticity of the jerseys from XXXX, but they indicated over chat that the only way to guarantee the authenticity of the jerseys is by buying from their authorized resellers. I don't see the reasons why XXXX would want to write a letter stating the jersey is authentic or not. Moreover, I have attempted to return the jerseys to the online merchant, but they have ignored my communications. Chase is making it extremely difficult to protect my rights as a consumer, asking me to provide proofs that are very difficult to obtain in a case in which I have provided plenty of evidence the jerseys are counterfeit.

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:
Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Capital One credit card being reported by XXXX, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Capital One, has violated my rights.

15 U.S.C 1681 section 602 A. : States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

I did not report this credit dispute with Capital One to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which Capital One has accepted but not updated the account as Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX of 2022, there was an unauthorized wire transfer of XXXX to my account. The money was taken from my savings account. How this happened was that I got a message saying that my card has been blocked. I got an email saying that there was a fraud alert on my account because there was a wire transfer that was authorized but I did not authorize it. On the email, it gave me the option to cancel the wire transfer and a few minutes later I received another email saying that the wire was successfully canceled. I know these emails are real emails, not fake ones because the real emails have the last 4 digits of my bank account in the top right corner. After I got the email saying it was canceled I drove to the bank and the lady who helped me also put in a claim to cancel the transfer. The bank does not want to be responsible even tho they emailed me that the transfer was canceled which is not fair at all.

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: CL Holdings LLC
State: TX

Complaint narrative:
I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked

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

Complaint narrative:
I was charged a high interest rate with good 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 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been working remove incorrect negative reporting on all my credit files.

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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a customer with chase bank and I am now a victim of wire fraud. I am getting married in 12 days and I have been saving for months! I received a text from what I thought was my bank asking if I authorized a wire transfer. I sent a text back saying no. I then received a call from a person stating they were from chasse bank and I was on a recorded line. I verified that the number he was calling from was the same number that was on my debit card. After he provided ALL of my personal information from my account numbers, my birthdate, my social security number, address, and the balance in each of my accounts, he stated that I needed to complete a wire transfer reversal to get my money back. He said that the money should be back in my account in 12 to 24 hours. After I checked my accounts on saturday XX/XX/ there was still no money. I called chase and I was getting the run around and after I finally spoke to a supervisor, they stated that I might not get my money back and that I fell for a phishing scam. In last 24 hours I have done alot of research and I have found multiple families that have been victims of wire fraud with chase bank and the only way these families received their money back was because of news media coverage. I am desperate at this point because they wiped out all 3 of my bank accounts. The money that was taken included my fiance and I 's 2 week paycheck on friday along with a saving account the total was a little over {$11000.00}. I spoke with Chase last week and they said that they are not going to return the money to our accounts because it was not considered fraud. They are not protecting their clients and everytime I spoke with them, they were rude and there was no costumer service. The phone number that called me was the same number that was on the back of the chase card and the suspect had all my information including my account numbers and my balances in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America - Online Fraud claim # XXXX POLICE REPORT # XXXX NAME : XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX - I observed in BOFA online , there was unauthorized/ fraudulent transactions in process ( BILL PAYMENT debit to two accounts : XXXX XXXX XXXX  : {$6000.00} + XXXX XXXX XXXX Card : $ XXXX : {$10000.00} ), so immediately contacted thru phone on customer service fraud department and they told we can not do anything at this point and once it will post/ transaction completed then we can take action. 
So, on XX/XX/XXXX - called again customer service, reported same thing and they took case ( filed claim # XXXX ) and said starting investigation. 
on XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing. 
and called customer service a couple of times, no updates XX/XX/XXXX - called again, BOFA told case is in under review and BOFA requested docs to fax : Faxed police report XX/XX/XXXX - one of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me and said starting investigation, after that no updates XX/XX/XXXX : I called again- they told claim got denied as " the funds were sent out same from my account. I explained everything again they told will reconsider claim and will start investigation time frame : 10 days for investigation, 45 days finalize.. ''

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had issues with banking fees after I told them it was fraud. They still charged me fees and I went to deposit funds and they closed the account without my knowledge. 

I told them I was having a refund from a transaction prior and they deposited in my Father 's Wells fargo bank 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 2023-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: GA

Complaint narrative:
Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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