vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: LA

Complaint narrative:
For several years I had an account with XXXX. They then transferred my account to Gemini on XX/XX/XXXX. When I attempted to withdraw crypto and currency from my account on XX/XX/XXXX, to close it, I was unable to and received an automated message that they were still " verifying '' me and were experiencing high volume. I initially had {$10000.00} invested. That is down to only {$3800.00}. I need my money back. I need your help. They are a XXXX enterprise. I can not afford to lose my money. They are not responding and there is no way to reach them.

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: NC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/ I was a victim of fraudulent activity with XXXX  for XXXX XXXX dollars and Wells Fargo took XXXX XXXX dollars from me! It was like the person gave me XXXX XXXX dollars and then Wells Fargo gave it to them again! Talked to branch manager in XXXX, Tx and they did nothing

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 — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My debit card was canceled XX/XX/2022 on XX/XX/2022 my account had more than {$3000.00} XXXX checked my account XXXX XXXX to find out I only had {$900.00} then on XXXX another {$2800.00} was deposited.including {$1000.00} from unemployment and {$1800.00} social security.I was told to give them another XXXX business day to get it straight I never heard back from them, I call claims and was told the case was closed. Please 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 2023-01-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is withholding interest income for tax purposes on my checking account ( they had also been doing the same for my savings account ). The interest income on the account is so small it is below the IRS reporting thresholds -- literally we are talking {$0.00} per month on my checking account. TD Bank previously advised that the withholding was as a result of there being an inconsistency in their system with my name and SSN. I first attempted to address this with the bank in XXXX of XXXX and was told it would be corrected. It was not. I have been a banking customer with TD for over 10 years. My social security number is the exact same number as it was when i originally opened my accounts at the Bank. In XXXX of XXXX, I went to my local branch, at TD Bank 's direction, and revised the name on my account -- reverting to my maiden name ( rather than maiden, plus married name ) and delivered to the bank a W-9 form. This is in addition to the two W-9 forms I had previously mailed to them. Notwithstanding this, TD Bank has not refunded the income interest previously withheld and as of XX/XX/XXXX they continue to withhold interest income. Now they are telling me that I need to provide a W-8 BEN form which is the IRS form for non-resident aliens. I was born in New Jersey. I brought my birth certificate and SSN card to the branch in XXXX XXXX, NY and provided them to the branch manager for evidence of my name and citizenship. Unless being born in NJ no longer makes me a US Citizen I do not understand why a W-8 BEN would be appropriate. TD Bank needs to cease withholding interest income and refund me the interest income withheld to date.

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would hold deposits for days, they charged unnecessary 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: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received this card without my agreement. My store credit card was moved to a comenity credit card without notification or consent. I didn't want to cancel the card as I didn't want to hurt my credit. Needless to say I have never used this card and it has never left my house I was recently sent a notice that my payment was due. When I looked into it, I discovered a long list of fraudulent transactions on my card. This seems impossible because ( as I said earlier ) I have never used this card. So it seems the company couldn't keep my information secure. Something that I think should also be looked into. 

I called on Wednesday, XX/XX/XXXX and tried to dispute the charges but was put on hold for over 40 minutes before I gave up. I then tried messaging them under my account on their website. This was also on XX/XX/XXXX. I asked that they remove the charges and cancel my card immediately. I also informed them if I didn't receive a response by the end of the week that I would file complaints. They have yet to answer me.

Company response to consumer: Closed with 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX, I dispute a car loan with XXXX XXXX XXXX. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. 

LVNV Funding LLC in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.

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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Several transfers were made out of my bank account and even and over the counter withdrawal wells fargo never got back with me and closed my accounts took the money

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: U.S. BANCORP
State: OR

Complaint narrative:
XXXX was taken from me from the last 3 months. My cards have been stolen along with my phone multiple times. I filed fraud with the bank. They refunded me XXXX and said they would send me a letter. The letter said that I made the purchases. Which I didn't cause my card and phone was stolen. They just took all my pay from my job and my rent money today XX/XX/XXXX. They took everything from both my savings 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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I lost my home through foreclosure because Wells Fargo would not refinance me with the loan modification program during the time I needed it I believe this was purposely done to make me lose my house and is part of the lawsuit against Wells Fargo. I would like help getting resolution from Wells Fargo for forcing me to foreclosure when I should have been able to save my home. They tried to force me to remove my ex wife from the mortgage before refinancing and she wouldn't sign so they wouldn't refinance.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I closed on a HELOC with PNC Bank. As part of the terms of the loan, PNC required that I use a portion of the funds to pay off a XXXX credit card to reduce my debt to income ratio. I agreed. During closing, I provided information for PNC to pay XXXX directly. I was told I was not allowed to receive the funds myself and then pay it off, they needed to send the check. 

After the closing, PNC sent a check to XXXX, which was confirmed received. XXXX credited my account for the amount of my credit card bill, which was just shy of {$20000.00}. Three days later, XXXX reversed the payment stating that PNC had refused to pay the check. The same check PNC issued. 

I have been attempting to resolve this issue with PNC for weeks. I get nothing but the run around and people saying it's not their department. Meanwhile, PNC is currently charging me interest on that same {$20000.00}. They have not, and they refuse to, reverse the payment. They are billing me for using the money that has not been, nor can it be, used. I was also charged a fee from XXXX for having a returned check.

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 — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To the present day I dont know why Wells Fargo closed my bank 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: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Werent charged overstated fees which I didnt make and they closed 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 — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to know if Wells Fargo owes me any money for incorrectly charging me fees on my checking 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: 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I dispute a car loan with credit acceptance corp. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. 

XXXX XXXX XXXX in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I usto have an account with WF back around XXXX to possibly XXXX. I was charged tons of over draft fees eating up my paychecks. I would like this money back. I had to close the account fir this reason. The evil practices of WF was unbearable.

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 — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account started having unauthorized transactions and even someone tried to deposit random large amounts of money on it which caused wells fargo to close my account. Then they changed the password so i cant even access my account. I never got real help either.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We purchased our home in XXXX. We had a substantial job loss. I made multiple attempts to work with Wells Fargo to avoid foreclosure. They denied my requests everything. They changed the locks illegally. I called them to get them to let us in to get our things out. They sent the keys and when we went in they had ransacked our belongings and stole thousands of dollars of things out of the house. They finally foreclosed on our home in XXXX after numerous attempts to work with me on our payments.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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: GA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I wanted help to lower my monthly car payments by dropping or eliminating the extended warranty and other extra stuff, but was denied. Times are hard!

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: CA

Complaint narrative:
My account was frozen then I had overdraft fee and my account was closed due to supposably 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me fees for no reason and closed 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: TX

Complaint narrative:
My checking account was frozen and I could not access any of my funds after I tried to have an inheritance check deposited. I first tried depositing thru the drive thru but was told there would be a hold on the funds or that I could take the check elsewhere to get it cashed. I tried doing a mobile check deposit and the bank put a freeze on my account stating that the check had already been deposited once. After 10 days part of my funds were released but not all because another freeze was placed on my account as to which led up to the bank closing my account completely without good cause.

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