vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: AL

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. 

XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : Reference # 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 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 non-monetary relief
Consumer complaint received 2023-01-20 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: AL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX or XXXX I took out a XXXX XXXX loan with Wells Fargo for a used XXXX XXXX XXXX A few years later, the vehicle was involved in an accident and totaled. Insurance paid off the remainder of the loan and sold off the truck at auction. Years later, ( XXXX or so ) I received a letter from Wells Fargo that I had overpaid the loan while it was active. I thought it was unusual and surprising. Though, I gladly accepted the check and, have always wondered about that account back thenbecause, there were MANY issues and MANY phone calls made regarding fees and the payments going towards the principal balance appropriately. Now, XXXX I see this massive lawsuit/settlement around the SAME time as my loan was once active. I believe I could be owed more- and perhaps they never wanted me to pursue the issue. I would like to see if I am entitled to any damages stemming from the lawsuit.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Back in XXXX thru XXXX I had multiple over charge by the Wells Fargo company. XXXX in XXXX instance they returned the {$35.00} fee 5 days later causing me to have a negative balance

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Overdraft fee from wells Fargo. Not enough 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I tried opening an account after closing an account due to it being over drafted over XXXX dollars. And was denied

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tenaglia & Hunt, PA
State: PA

Complaint narrative:
During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was XXXX of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except XXXX XXXX  ( XXXX XXXX ), assisted me in paying all of my debts. XXXX stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. XXXX locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by XXXX  through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact XXXX  and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with XXXX, through XXXX. I have paid off ALL of my other debts due to the pandemic, why would I not do so with XXXX final creditor?

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022, I mailed a Check XXXX XXXXXXXX payable to XXXX XXXX for {$4200.00} to pay an open balance. On XX/XX/2022, I was on my XXXX XXXX website & I noticed that the {$4200.00} balance was still open & that the check was not posted. I then went on my TD Bank checking account website & saw that check was cashed on XX/XX/2022. The endorsement on the back was someone forging my name and then signing some name under that who was obviously an unauthorized signer. There was no mention mention of XXXX XXXX even though the check was payable to XXXX XXXX. I immediately notified the TD Bank Fraud Department and they took my information & froze my account. They sent me to their local branch the next day to fill out an Affidavit of Forgery & other TD paperwork. I even received a follow up letter from them acknowledging receipt of this paperwork. They said that it could take 90 - 120 days to resolve since they have no control of another financial institution. It turns out that XXXX XXXX Bank received the check for deposit. It is over 7 months & still no resolution. I called them back after the 90 days to follow up & they couldn't help & referred me to my local branch. I even went to local branch to follow up on XXXX XXXX & they couldn't give me an answer either. This is not right & I am getting the run-around. Can you please help? I have copies of all documentation including a copy of the cashed check if needed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo allowed ex-husband to withdraw from accounts that were frozen due to divorce..

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a new XXXX XXXX credit card on XX/XX/XXXX. On XXXX XXXX, I used this card to make purchases online and my husband made a purchase in a store. The card was frozen and the store said it was denied. At that time, I called Capital One to ask what the issue was and after a 9 minute call, was told that someone would call me in 7-10 days. Per the website, I should have received a text notification immediately to confirm whether or not I made the charge but I did not receive any notification despite my phone number being attached to the account. No one called me back. My card remained locked and unable to be used. On XXXX XXXX I called Capital One again to ask what the issue was and after a XXXX minute call was told someone would call me back. No one called me back and my card remained locked. I called again on XXXX XXXX  and after XXXX  minutes (!!!! ) I was told someone would call me back. Finally, someone called me back that day to ask if I had made the charge on XX/XX/XXXX which I confirmed again, just as I had on the day when I called that day, that yes, I did make the charge. They finally unlocked the card after XXXX  days. When I said I should not be paying the full {$390.00} annual fee as I wasn't allowed to use the card for over a month, spent over an hour of my time trying to reach someone to fix the issue, not receiving the notification I should have per their website, not receiving the calls back I was promised multiple times, and not being able to unlock the card " easily '' as is also promised on the website, they said they can't do anything about it after another XXXX minutes on the phone. I called back again to discuss with a Customer Service XXXX on XX/XX/XXXX and after XXXX minutes was told again, they would not do anything to reduce the fee even though they followed none of their own rules. At this point I paid the balance that I owed less the annual fee and closed the account. I called again XX/XX/XXXXXXXX XXXX XXXX  to speak with a Customer Service XXXX after their multiple attempts to collect the fee to ask again if they were willing to reduce the fee and was again, told no. Ultimately, they did not following their own rules and are not honoring the promises made on their website nor verbally by the multiple customer service reps I've spoken to. I should not be paying an annual fee on a card that was unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Every month overdraft fees of XXXX on every dollar

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 2023-01-20 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:
While banking with Wells Fargo we were charged overdraft fees several times but no overdraft was made on our account. As well as we were not able to access our funds for a number of days because our deposits were sketchy as the teller put it. We ended up leaving the bank and they still are charging us to this day. Even though our accounts were in the clear.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My account was closed on XX/XX/2020 on XX/XX/XXXX someone used my supposedly closed account to transfer XXXX XXXX dollars to a secured credit card and spend all of the money on my card. Then 2 checks were sent to me for whatever was left in my account before the fraud and those checks were never received by me they were both cashed by someone forging my signature and depositing the checks I was in custody in the XXXX XXXX XXXX  in XXXX during this time and held until 6 months ago I have been doing everything in my power to get bank of America to help me get my money back but they just will not do anything about it I just finally was able to get the statements from all of my accounts and it shows on them that clearly it was someone else using my accounts to commit fraud and steal my money I just want to get what is mine back the bank was supposed to protect my money and they did nothing of the sort

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023, there was a hard inquiry made to my Equifax report from XXXX XXXX XXXX. I did not apply for anything and believe that I am a victim of identity theft. I filled a dispute with Equifax, but they say that it is a valid report and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Two separate {$1000.00} principal only payments were sent to the mortgage servicing company on XX/XX/XXXX and XX/XX/XXXX but the company has not applied those payments to reduce the remaining unpaid balance. The company just ignores my concern and will not respond. Send emails on XX/XX/XXXX and XX/XX/XXXX along with written letter mailed on XX/XX/XXXX, but no communication and problem not fixed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NC

Complaint narrative:
Over draft fee on a charge not authorized.

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: 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:
In XXXX I noticed various charges to my bank account to XXXX. I had noticed these charges before, but had assumed it was XXXX XXXX making purchases. I was not aware that our debit cards were different until I questioned her about it. When I discovered that these were all placed on my debit card I immediately contacted the fraud department at Wells Fargo, my bank, and an investigation was started on XX/XX/XXXX. Through talking with the first representative I reported it to, we were able to determine that the charges dated back to XXXX of XXXX and amounted to a little over {$7000.00}. I waited patiently until XXXX XXXXXX/XX/XXXX to find out that the bank is denying my claim stating that they can not determine there was fraud. I asked them if they had contacted XXXX to find out where the purchases were made and they said they hadnt. I never received any communication or questions about whether I made these transactions, which I hadnt. I was told by the supervisor in the fraud department that they looked at financial transactions and determined they couldnt prove fraud. I asked how they would be able to prove fraud without investigating at all but they stuck to their script about not saying there wasnt fraud but not being able to determine any fraud had happened and I could go speak to my XXXX XXXX XXXX if I needed it investigated further. 
I have been doing business with Wells Fargo for probably XXXX XXXX now and have never had a problem like this, but they dont seem to be seriously looking at doing anything if they are not even contacting any of the parties involved before making a determination. Could you please help me in obtaining my {$7000.00} back which was made over XXXX XXXX or so by someone who managed to set up an XXXX account with my debit card? 
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 2023-01-20 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: TX

Complaint narrative:
My account had fraudulent charges, the charges caused.my account to be withdrawn. Even through Wells Fargo acknowledged the charges as being fraudulent they only refunded me two overdraft fees but there were twelve in total. Also they did nothing to stop or help me from incurring charges. I had to close my account to save my direct deposit. That was two years ago and they are still sending me bill for the fees of a secured credit card I closed in good standing.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had checks which I deposited mobile held for over a week. I have had excessive atm fees, overdraft fees on un paid debits. I have been a customer of Wells Fargo since 2014. Three times I had my phone, water, or power cut off due to checks being held too long.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A scam call send money to two people with a total of {$1400.00} on XX/XX/2022.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/2023 @ XXXX Jefferson Capital Systems , LLC Company sent me an email regarding a supposed debt that is owed. However, I never provided this company my email address at any point nor have they attempted to mail mail me their complaint. I believe that this company has been hacking my emails. Given the fact I do not owe this company anything since I never entered into a contract with Jefferson Capital Systems LLC

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted this corporation and the report they are sharing and how I didn't agree with the actions that was on my report and and what my demand where and how their unfair credit practices has impacted my family and I life. They has not done a investigation to show proof the alleged debt late address and the thing that were not correct at all and have not received any kind of remedy.

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