vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX XXXX a transaction in the amount of {$2100.00} from XXXX XXXX XXXX XXXX  was taken out of my checking account with Bank of America. I filed a dispute with Bank of America and notified them that I did not authorize this transaction, they had informed they would give me a credit in 24-48 hours of the date of the claim and they would investigate the claim. My second phone call was XXXX hours after the claim was made to get an update on the credit and I was told that they would expedite my credit. As days went by, I continued to make phone calls for updates with no answers. After approximately a week with no credit the results came back of this investigation concluded to a denial and that my case was closed. After multiple phone calls and attempts to reopen the claim and appeal customer service representatives continued to insist that the claim could not be reopened or appealed. Now I would like to file this complaint for more further investigations and for Bank of America to take responsibility on this fraudulent and not authorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 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: TX

Complaint narrative:
They changed me double interest in one of my car payments and refused to give me money back or put in 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 2023-01-20 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 feel like they were stealing my money, they would put unnecessary holds on my money it was just terrible and every time I called they never had a reason why

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
There is an account that I have written to transunion and XXXX because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXXXXXX 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
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Halsted Financial has been contacting me on behalf of XXXX XXXXXXXX XXXX XXXXXXXX. via my mobile phone about a debt owed. The consumer has no contract with Halsted Financial and no debt owed to XXXX XXXX XXXX XXXX. as all debt has been paid and prepaid via the U.S. Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report No. XXXX, codified at 12 U.S.C.A. 95, House Joint Resolution 192, Executive Proclamation No. 3972.

U.S. Bankruptcy impairs the obligations and considerations of contracts through the Joint Resolution To Suspend the Gold Standard And Abrogate the Gold Clause, - XX/XX/XXXX as it may operate within the State. As States of the XXXX that pledged the faith and credit ( of the people ) thereof to the aid of the National Government in respect to the National Emergency in and around XXXX. The U.S. Bankruptcy/National Emergency , lawful Constitutional money has not been reinstated and is not in circulation to allow the people to pay their debts at law. 
See UCC 1-308 and above. Also see XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wall. 535 535 ( 1866 ) Page 71 U. S. 551 " Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, be said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the XXXX against invasion. The obligation of a contract 'is the law which binds the parties to perform their agreement. 
I know that Federal Reserve notes are not defined as obligations. See 18USC8 I know that Halsted Financial, XXXX XXXX XXXX XXXX  and the corporate United States the District of Columbia can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called TransUnion today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and TransUnion still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

TransUnion received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from TransUnion. 

TransUnion is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold TransUnion accountable to the FCRA. The FCRA says that disputes must be answered in XXXX days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in XXXX  days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even XXXX  to bring lawsuits, to get inaccurate information corrected in my credit reports

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, XXXX, Transunion, or 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
Consumer complaint received 2023-01-20 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:
I was told my account was closed. That's all there was to it. Just told my account had closed.

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: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have opened American express # XXXX in XX/XX/XXXX based on their offering a cashback on the purchases for the card, between 3 % and 6 % of purchase amount. But now they refuse to issue the cashback that they have advertised. They have also refused to process my disputes of erroneous of fraudulent charges that they charged to my account. 


However, On XX/XX/XXXX American Express took their own decision to close my account. Their explanation of their decision was false. American express wrote to me that they have closed my account because they did not like how I spoke to their customer service agents on the phone about this card. But I have never talked to American express over the phone since opening this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX I had a bank account around XXXX and XXXX and I was charged fee Wells Fargo closed my account b

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 — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XX/XX/2022, They kept pulling money from my account when there were no funds. And this kept occurring at least once or twice throughout the months I had my checking account through them until I voluntarily closed my accounts. I still had to pay money to cover the negative balances, after they had taken some of the transactions off. Called them on several occasions and told them I did not authorize for payments to be taken out when there were no funds in account. At XXXX time, I was over {$600.00} in the negative because I got a paycheck from my employer. The funds went into the account, things were pulled as normal, but then they withdrew my paycheck which caused the balance to be - {$600.00} dollars in my checking. When I called customer service from my employer, they told me it was on Wells Fargo and that they REJECTED my pay from going through. When calling Wells Fargo customer service, they told me I never received my pay from them and that my employer was the one who withdrew the pay due to Wells Fargo not confirming I was an account holder. After checking my account numbers with my employers, all of my information was correct. When receiving my paycheck the second time after they had rejected my pay from going through, it left me with a XXXX 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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint XXXX : Dunlap Gardiner , LLP provided false and misleading information by claiming that both their office and the management office has provided documentation to validate this alleged debt. I've received harassing documents from them in a continued attempt to collect an unvalidated debt, but I have NOT received what the FDCPA states I should receive when debt validation is requested.

Upon many requests, Dunlap Gardiner, LLP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide proof of the existence of a LEGITIMATE ENFORCEABILITY AGREEMENT between myself and them. Being that there is no such agreement, they have no legal authority to request or demand payment from me. I have been misled, harassed, and taken advantage of by these companies joining together in deceiving me into paying these unfair and unethical annual assessments without any such legitimate agreement.

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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.

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: 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: FL

Complaint narrative:
I have been a Wells Fargo customer for over 15 years. I believe I may have been overcharged bank 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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX payments in full to Comenity Capital Bank BJs credit card made from my bank through bill pay have been received on time but XXXX of {$1200.00} on XXXX  was applied XXXX days late. The other payment of {$1200.00} on XX/XX/ was received, cashed but never applied. These have resulted in continued monthly late fees and interest. I have attempted to resolve the issue with multiple phone calls. They were extremely unhelpful and actually asked for another payment. Then a dispute was started in the message system of Comenity Bank on XX/XX/. They have continued to charge late fees and interest even though they said they would not during the dispute. Further, a letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX outlining everything again. Attachments of bank payment details were provided. I have only received XXXX form letters advising me it was under investigation.

Company response to consumer: Closed with monetary relief
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/2022 my XXXX secured credit cards limit was raised to XXXX with no request for the increase by me and no notification to me by the bank of when or why it was being raised. I used the amount increased and due to an error or glitch in Bank Of America 's system the card did not cut off at the XXXX limit and instead kept charging and allowed the balance to go over the mystery XXXX increased amount to the tune of almost XXXX over in multiple transactions. I have asked the bank several times to help me by either raising my limit from the XXXX to XXXX now to equal the charges so I don't continue to experience negative derogatory credit marks every month for this high over credit limit card. I feel that Bank of America should help with this since it must have been an error in their system that didn't cut off the card at XXXX and I think it's a form of predatory credit lending that has now caused me problems when I try to do anything in regards to my credit history. I have never missed a payment on my credit card, along with the other accounts I have like a home mortgage and car loan with other banks and for this XXXX card which I feel only had rhis happen due to a glitch in Bank of America 's system, my credit would be in alot better standing and I wouldn't be getting continually denied anytime I try to apply for any loans. I am asking this agency to please assist me in getting through to Bank of America and the credit card team about this dispute since they don't seem to want to give me any consideration here. Please help! I should have excellent credit right now with making all my payments on existing debts and this overage on this credit card is causing me problems. All I ask is Bank of America acknowledge that a glitch occurred here causing my credit card to not have an actual limit at some point and I don't think it's too much to ask that they increase my limit from the XXXX to XXXX to put my account in good standing as I continue to pay down the 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Theres an article online by XXXX about a XXXX XXXX dollar settlement with Wells Fargo. I was a Wells Fargo customer from XXXX and only had a checking and savings account with them. When my funds were low and still in positive amount, Wells Fargo would put charges on hold until I actually did over draft and put the highest amount first to over draft me. Instead of paying XXXX fee of {$35.00}, I would pay multiple fees due to the way they arranged them. I know there was a settlement where they got sued for over XXXX XXXX and I never received anything from them. I called Wells Fargo XXXX and I asked them how can I get paid based on the XXXX article and they said they have no idea. Per XXXX it said to contact CFPB to see if I qualify.

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 — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
In order to contact me or any other third party regarding an alleged debt, Spring Oaks Capital LLC must have my prior express agreement. In which they did not have my direct permission to do so. After I instructed them to stop all communication, they continued to provide and disclose inaccurate information to consumer reporting agencies. Reporting to consumer reporting agencies, the mail, the courts, or any other kind of communication is all considered communication and violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH XXXXXXXX XXXX Co. 
A normally-processed Line of Credit Draw request for {$45000.00} was direct deposited into my account on XX/XX/XXXX, but then reversed/withdrawn by XXXX on XX/XX/XXXX XXXX A call to PHH, they explained that the loan was at 90 % so HUD is now involved and must approve such payouts. We were also told that a request would be made for those funds to be reversed/redeposited into our XXXX account so they would be again made available. During a call to HUD, they advised they do not have control of this reverse mortgage and referred me to PHH. 
Now its 5 months later, with many calls to PHH & HUD, my monthly statements do not show the {$45000.00} in my account/available to draw. I feel its been stolen, just disappeared. 
During the latest call to PHH the rep stated that a letter explanation s in the process. To date, I have received no such letter and the missing {$45000.00} was not returned to me nor made available to draw. 
Its my money and I need it to pay living & medical expenses. I look for guidance on where to turn. PHH is the most non-responsive company I have ever dealt with. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Assured Financial LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX stating that they are collecting a debt of {$3900.00} with XXXX XXXX XXXX for a service dated XX/XX/XXXX. 

I responded in writing on XX/XX/XXXX to XXXX XXXX XXXX stating that this is not my debt and that I had never been contacted by XXXX XXXX XXXX and have no evidence of the validity of their claim. 

On XX/XX/XXXX, I received a response from Assured Financial LLC ( a different entity than the initial notice ). Their response included a copy of the doctor report of a medical procedure that was done on me XX/XX/XXXX. However, there is no mention of XXXX XXXX XXXX nor any indication of the source of the alleged {$3900.00} debt. It's just a report made by the doctor describing the procedure. 

The response from XXXX XXXX XXXX had a notation " PAST DUE '' in large bold letters and threatened additional finance charges, additional notice of debt, negative credit reporting and/or legal action. However, nowhere on their response was there any indication of the source of this debt nor any proof that is was incurred. 

The response from XXXX XXXX XXXX was from XXXX XXXX XXXX. The address is listed as Assured Financial LLC XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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:
I spoke with Customer support about my issues and they were never resolved.

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