vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I took out a personal loan from Wells Fargo on or about XXXX with auto payment selected at the time of the loan origination. Then I received a notice on XX/XX/2022 to schedule monthly payments which was {$1000.00}, so I scheduled auto debit from my Wells Fargo checking. On the first due date of XX/XX/2022, my checking account was debited of XXXX payment totaling {$2000.00}. I called the online banking phone no, they had difficulty locating the department I needed to speak with according to them, after XXXX minutes plus, they transferred me to someone who said she will have someone call me back. I didn't hear from anyone for XXXX days so I called back, again I was on hold for more than an hour then someone came on the line said she can get XXXX of the payments refunded and for me to cancel the auto debit from my checking account since it was already set up. I did according to the instructions, next thing I knew, I received a notice of late payment! I called again immediately, after another XXXX minutes of wait, someone from I don't know what department came on line and said I didn't make the payment, I said I made the payment from my Wells Fargo checking account and you should be able to see it, she said she didn't have access to my accounts, I said couldn't someone track it down that I made the payments, I was on hold for another XXXX minutes, then she came back on line and said that my payments have not been applied to the loan and that all auto debit was cancelled and they also took back the auto debit discount from the annual percentage I received! Adding more to my principal balance. I filed a complained with Wells Fargo executive office but nobody ever contacted me. I paid off the loan in full on XX/XX/2022 for {$27000.00} as I didn't want anything to do with them. They also reported to credit bureaus as a late payment affecting my credit. I would never do any business with them ever again. We still have checking accounts and a credit card there as we have been banking with them since it was XXXX XXXX! Once this issue is resolved and my late payment is removed from my credit, we will be closing all our accounts. 
I do have emails from them stating that they needed more time to research but they never resolved the issue, this bank should not be in business in my opinion, my experience was horrific, I don't know how many people simply give up to their tactics and lose money. Thank you so much,

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 2023-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc

Complaint narrative:
I wasn't able to use my paypal account due to the statement which is my account is being permanently limit. I had no idea of the possibilities that my account had become. Please help me with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was banking with navy federal credit union several years ago somebody actually got access to my checking account put multiple fraudulent checks and I wan na be resolved yet ugly because my raise the discriminating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX of 2022 I had a wire deposit from XXXXXXXX XXXX  to my Capital One account and the amount was {$35000.00}, I transferred funds to my crypto account in order to start investing, and my transfer was reversed, and my account was locked. When I contacted Capital One, though it was acknowledged that my transfer came from XXXXXXXX XXXX and that there was a valid and verifiable receipt from XXXX XXXX  that I needed to physically go into the bank specifically capital one the issuer of the wire deposit. When I asked the back office representative how long does it take for my funds to be verified before I do receive my funds it was stated 90 days. 180 days go by and I reach out to capital one I referred back to what was stated to me when I questioned the supervisor that I was speaking to at the time about how long it would take for my funds to be verified. I stated that its been 180 days and if the funds have not been reversed and XXXX XXXX has not issued for capital one to return the funds that those funds are valid and what was the reason for why my funds are being held. Capital One back office representatives and supervisors would continuously hang up on me when I started to ask questions about why my phones are not being released especially if its been over 90 days. Before I questioned The supervisors and was repeatedly hung up on, my account was not closed when I continue to question, why are my funds not being verified? That its been well over 180 days which gave them ample amount of time to verify my funds and now my funds are valid. They stated that my account is now closed and I will not be getting my money at all, and hung up the phone on me. I am scared because this is money that I saved and I thought that I could trust this company with my money but my account has been collecting interest all this time, but I was told my account is closed Im still receiving statements from this account but they stated that its closed and that no money can come out of the account but something is telling me that someone in that company is not telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Old enquirers from 2017 that I didnt take out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2023 I received a payment of {$100.00} from my boyfriend through Venmo and when I try to transfer the funds to my account it told me that I was unable to do so this is the second time with this Venmo app. Ive tried reaching out to customer service. I have not gotten any responses. I let them know that this is {$100.00} that I needed to use for my child and I and their insensitivity and unwillingness to help was very suspicious to me. I have yet to receive a response the first time this happened. It was {$150.00} and now that its {$100.00} now Im having an issue and before he would send me money we never had any issues but now that hes been constantly sending me money of the amount of just no more than {$150.00}. They are freezing my account not responding to any of my messages or my inquiries. I am a single mother who is doing her best these apps specifically Venmo is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2023 {$1100.00} informed them for the transaction that I did not authorize which I filed a fraud claim and the denied it I have been a victim of identifty theft due to the rent issues and flooding issues in California I have been moving from one place to another and losing vaulabble The denied the claim say it was not an error it was people all type of way to take people information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CA

Complaint narrative:
on XX/XX/XXXX I sent a letter to VANCE & HUFFMAN requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report under account # XXXX. However its now XX/XX/XXXX and they have yet to honor my request nor have they produced the documents I asked for. I dont owe this company anything, nor have they validated this misleading information. Also, the details under this account first appeared on my credit report with the original creditor where it was deleted by XXXX, XXXX and XXXX XXXX, for being inaccurate and unverifiable. The account was then sold to VANCE & HUFFMAN where it reappeared back on my credit report. After VANCE & HUFFMAN failed to respond to my last request. I then sent a another letter on XX/XX/XXXX demanding VANCE & HUFFMAN stop all collection efforts and remove this account from my report. Please have VANCE & HUFFMAN remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. Thank you for your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: AZ

Complaint narrative:
I bought XXXX on the Blockchain app. That went instantly, but when I tried to send it out they gave me a transaction ID that never registered on XXXX. Its stuck pending and nobody is there to speak to. Im just stuck in limbo here. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: FL

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXccount # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Over draft fees from XXXX to 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 2023-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX credit cards from different companies -- XXXX, Capital One, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
I originally sent 2 disputes to XXXX about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal shutdown my account and Last XXXX XXXX  paypal deducted my money from my account in the amount of {$58.00} US dollars, And my account was permanently limited. I have no violation, and I comply with their legal agreements. I want to restore my account. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have 3 credit cards from different companies -- Citi, XXXX XXXX, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.

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 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have XXXX credit cards from different companies -- XXXX, XXXX XXXX, and Synchrony for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.

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