vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My issue is with XXXX Synchrony Bank credit card. I reached out to CFPB regarding a settlement but XXXX refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, L.P. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible 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 2023-01-21 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: NJ

Complaint narrative:
I want to know about that payment of late fees and chargers to my accounts 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 explanation
Consumer complaint received 2023-01-21 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2021. My debit card through Square had its information stolen. My card was then used to make five very high dollar amount purchases at two retail stores, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. The amounts were ; {$710.00} - XXXX XXXX XXXX {$100.00} - XXXX XXXX XXXX XXXX  {$690.00} - XXXX XXXX XXXX  {$420.00} - XXXX XXXX XXXX XXXX {$670.00} - XXXX XXXX XXXX For the past year, I have consistently reached out to square every few weeks for hopes of them to resolve the issue. I have never received any resolution to the problem. I have spoken to over 20+ employees in regards to the funds missing. I have done everything they have ever asked of me ( including allowing them to freeze my account around 2 months ago for 10 days to, investigate my account ). Every employee just states, sorry this happened to you. Ill reach back out. I have never had anyone reach back out to myself. I have never received an email from them in regards to how this manner will be solved. In any professional opinion, they have not tried to solve this problem. 

Up to this point I have; -Cancelled the card immediately after the information was stolen and the funds were taken ( per their recommendation ) -Called every business ( XXXX XXXX XXXXXXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to figure out how these orders were able to go through. 
-Called each business ( XXXX XXXX  XXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to ensure once my card was cancelled, that the orders would not go through. 
-Called every 2-3 weeks to receive updates on my disputes.

-Frozen my account so they could investigate. 
-Emailed the company multiple times for a resolution. 
-Posted on the Companies XXXX XXXX to see if I could get some sort of response from them. 

This has caused me such great distress and anxiety Ive had to receive medical help. This is a great amount of funds for a small business to be missing and for no one to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a home in XXXX right before the Housing bubble. Like many other home buyers, I experienced an unprecedented amount of burden on paying the mortgage after losing a major part of my income during the downturn. I called Wells Fargo around the middle of XXXX to see if there was anything they can do to help me with this unforeseen event. They proceeded to tell me that there was nothing that they can do and that I should consider short-selling the home. I was against that idea because if I did, I would've been living on the streets. I progressed to argue with them over and over for a number of years and finally, they just threatened to foreclose on the property because I was not making all my payments. I sent in payments when I had some money available. Finally, I was able to get some relief with a program here in Florida. They were able to get Wells Fargo to modify my loan. The loan was modified in XXXX. Now... this of course was many years after I first inquired for help. Throughout that time there were an enormous amount of fees that were built up ( some that I paid and some that I'm still paying ). When the loan was modified, they added all the fees to the back of the loan and extended the loan to a 40 yr loan (?? ). I was already down to 22-23 years on the original loan. It's been 15 years since I bought my home and I still owe more than 85 % of the cost of this property. Meanwhile, Wells Fargo is taking full advantage of the situation by collecting their interest. I'm hoping that with this new settlement that Wells Fargo has agreed to pay, ( which they have not notified or tried calling me about anything ), I can get some type of relief and/or compensation for all the issues I've had with them and the number of fees that were paid. Thanks. I appreciate your help with this.

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 2023-01-21 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: PA

Complaint narrative:
I have been through at least 3 ATM cards due to credit card 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
During the time I banked at Wells Fargo they took it upon themselves to open and close my account numerous times without my consent

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 2023-01-21 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: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have anxiety over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the CPFB portal. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. I am also attaching a letter from XXXX XXXX  acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.

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 2023-01-21 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: CA

Complaint narrative:
Paid an outrageous amount in fees when I had my checking account. I don't remember the dates. Sometime in after XXXX before XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: NC

Complaint narrative:
On XX/XX/XXXX I was at a casino in XXXX nc.I used my ATM card to get money out. Roughly XXXX $ XXXXXXXX XXXX  at a time. But later that week I noticed in my statement there was a XXXX withdrawal from a ATM at that casino. I never draw that much money out at XXXX time especially at a casino. I disputed the transaction along with XXXX other fraudulent charges on my statement. I called them back a week later and the representative placed me on hold a couple times and finally credited back to my account. She then stated claim closed. XXXX week later I got letter in mail saying that they didn't find no fraudulent activity on my account and would be taking the XXXX $ back in a week. And they did! With a big company I feel like a tiny ant trying to take down a XXXXwells Fargo is the bank at hand here.

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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
they banned my paypal business account even though I dont have violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I took out this loan to make a purchase with a company XXXXXXXX XXXX for {$730.00}. It was for a hand tooled custom pair of cowboy boots. I never received the boots. I reached out to XXXX XXXX several times but they kept saying it would be a bit longer and eventually stopped responding to me. Several XXXX  went by and I still never received my boots. 

I then filed a dispute with Affirm to cancel the loan because I never received my merchandise. I made this request on XX/XX/XXXX. 

XXXX then Affirm has made no efforts at all to resolve this matter. They have not proactively contacted or updated me XXXX single time on the status of my dispute. It has been well over XXXX XXXX since the dispute was received and I provided all XXXX XXXX with the merchant and all evidence that I had. 

Each time I reach out to Affirm they just say it is in process and advised that it won't be resolved for another XXXX XXXX XXXX XXXX. The number constantly changes. 

In my most recent call with them they advised me it could be another XXXX XXXX 

Meanwhile I'm showing past due and delinquent with Affirm because I'm not making payments on the loan. They don't allow me to make payments yet they still report me as delinquent. 

I'm extremely frustrated with this entire process and I'm considering taking legal action against Affirm if they do not resolve this dispute immediately and cancel this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I cant get into any of my credit reports without verifying my identity. My credit score has dropped extremely low I thought, I thought maybe my identity was stolen. 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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
In XXXX, I was approved for an Old Navy store Visa. At the time of application and approval, it was through Synchrony Bank and the card could only be used with Old Navy brand stores. At some point, the status of this credit account changed without my permission or knowledge. 

According to Old Navy customer service, it was in XX/XX/2021. My account changed from a XXXX  store credit card, to a Barclays Mastercard that can be used at ANY place that takes Mastercard. Additionally, I never physically received the card. 

My complaint is the terms of my credit application changed without my permission. This introduced additional credit responsibility and risk as this card can be used anywhere, not just Old Navy. There was at the time, and remains a XXXX outstanding balance on the old and new accounts. Again, I did not authorize this change in my credit standing. I called and closed the account today when I learned what happened.

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I was enrolled in a reward incentive program when the card was open in XX/XX/2021. The cost was a {$XXXX}. That states if you have no scratches or repairs made on your furniture the first year. You will receive your {$XXXX} back. I have not received my money back.

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 2023-01-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed a dispute on multiple charge of services not as described and as promised. 

I filed these dispute with Citibank on XX/XX/XXXX. I received delayed electronic communication only from Citibank meaning they sent an email and the document was dated 2-3 days prior. 

I received an email on XX/XX/XXXX asking for more information about the dispute. I replied and said I was gathering the information and I would submit it. On XX/XX/XXXX, I submitted the information via email with attached word document. 

The email from Citi on XX/XX/XXXX did not specify a deadline for me to submit this information. I received a notice on XX/XX/XXXX that I did not send document. However, this is not true as I did on XXXX 

I called and spoke to a dispute person who confirmed that I didnt have to do anything and the dispute was going as normal and they have received my information. 

On XXXX I received a notice the dispute was closed because I didnt supply documents, but I did on XXXX 

This is the second time within a year Citibank has not properly handled a dispute and I have had to file complaint.

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 2023-01-21 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: GA

Complaint narrative:
Ive tried numerous times to call Wells Fargo and have them explain to me. Why do I have overdraft fees, and check return fees? No one was successfully able to explain it to me with common sense. They purposely waited until I got into a certain amount of funds and then release the charges so I can overdraft. Sure instance a XXXX dollar XXXX charge should be deducted that same day, but they would wait a week just so I could be at a certain amount to charge me extra for overdraft. As I explained it to them, they were doing this they act dumb Founded.

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 2023-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN did not respond to my last dispute adequately. The account on my consumer report for XXXX XXXX XXXX XXXX is incomplete. Incomplete account information must be updated or deleted. The account number is displaying partially. Update this to the full account number or delete this account containing incomplete information. This could lead to identity theft.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In a few cases, Ive had withdrawals from my account that I did not authorize, and when I called the bank, they would reimburse me, but then take the money back, stating that my claim was not legitimate, and in some cases I was charged fees because my account was overdrawn

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 2023-01-21 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: SC

Complaint narrative:
XXXX would always charge me overdraft fee when my balance on the account had enough money. They would charge me nsf before transaction is posted on the 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 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have made two extra principle only payments on my loan and what they have done with those payments is take that amount and are applying it to future amounts of principle payments thus making my future payments apply towards interest only. This does not make my payoff date any sooner, theyre just milking more money out of me hoping I dont notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent activity went on in my account that I had no control over and I tried calling them to fix it and they end up closing my account and taking a lot of money from that was from my taxes

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Excessive overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation