vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened US Bank checking account XXXX around XXXX US Bank requested me to make opening deposit of {$100.00} and I did so. However, without my request, US Bank did 3 transactions on XX/XX/XXXX : deduct {$100.00}, add {$100.00}, deduct {$100.00}. It caused {$100.00} deduction in the balance of the checking account. Around XX/XX/XXXX, manager of a USBank branch, XXXX XXXX, promised me to find out why. However, I did not receive anything as of this writing. US Bank is the initial place from which a customer lost money. US Bank should proactively help its customer to recover the loss. I request US Bank to refund the {$100.00}. 

I filed Complaint to XXXX  ( ID # XXXX ). 

XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : " Our records confirm, your account ending in XXXX was opened with a {$100.00} deposit. We received a dispute for this deposit which was found in the cardholders favor, and the deposit was reversed on XX/XX/XXXX. '' My reply ( XXXX  ) is : " Who is the cardholder? What card was used to make the deposit? Who initiated the dispute? The simple fact is : I lost {$100.00} from my US Bank account. I deserve to know why and how. I deserve detailed explanation. " XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : ( no answer to my questions ) " The Payment Card Industry ( PCI ) regulates banking industries and restricts financial institutions from retaining debit and credit card numbers with their security code and expiration date. To confirm, we do not retain and are unable to view the credit card number used to initiate the opening deposit. '' XXXX said ( XX/XX/XXXX ) : " Upon review, the XXXX  has determined the company has chosen to remain firm in their position and not offer an alternative resolution. Please understand that the XXXX  is not an enforcement agency and we can not compel a company to do exactly what a consumer requests. The XXXX  has closed this case. 

XXXX appreciates the time you took to inform us of your experience with this company and will include it in their file. Your case will be reported in the company 's XXXX Business Review for other consumers access. It will remain on their record for 36 months, our standard reporting period. We will use it to note any trends or pattern of complaint activity and, should one be noted, will forward our case notes to the proper state regulatory agencies for their review and possible enforcement. '' In summary, XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, did not answer customer question about losing {$100.00}.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with 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 1691s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
in 2008 I tried talking with XXXX of the XXXX at Wells Fargo main headquater about me be an late on my morgage payment and the lady I talk with said if i didnt have the payment in XXXX days she would have a XXXX to came and put my belong on XXXX XXXX, XXXX weeks later a XXXX put a notice on my door saying that I have XXXX weeks to get out.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was charged GAP and payments were incorrectly applied. I was repeatedly charged fees for late payments because they didn't apply a payment, fees for no insurance and insurance applied and added to my account because they claimed I had no insurance yet I provided proof multiple times. All these issues led to repossession and my credit ruined.

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: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo opened an account without my authorization. They also put unnecessary holds on existing accounts and 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 2023-01-21 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: AZ

Complaint narrative:
Had lots of unauthorized transactions taken hits against my account for years while maintaining a relationship with the bank

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: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
When I was XXXX  and Naive I financed a car from honda financial, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed XXXX XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the American Honda financial site it lists my wrong address

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

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. 
Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2023-01-21 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: FL

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband and I had a mortgage through Wells Fargo. We know for a fact that they mismanaged payments and also our escrow resulting in us having to pay alot more money than we should have over and over. By the time we sold our house we ended up paying way more than we should of. We knew this was happening over and over especially every year when we had to pay more payments and extra escrow. We also had issues with our payments for our XXXX loan we had with them!

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 2023-01-22 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:
This is in reference to the Wells Fargo settlement. Im submitting for overdraft fees that were charged erroneously during XXXX? Cant remember when I closed my account. Please let me know what I need to do.

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 — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
All my money was removed from this account without my permission

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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My aunt, XXXX XXXX XXXX invested in an Investment Certificate ( see attachments ) at Nations XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The investment amount was {$15000.00} earning 3.9900 % interest. The certificate had an automatic renewal quarterly. POD designation on the certificate is me, XXXX XXXX. My aunt passed away on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the Bank of America Estate Services and spoke with XXXX regarding the Investment Certificate since Nations Bank combined with Bank of America in XXXX. XXXX reached out to the XXXX XXXX for assistance. He was informed that no recorded of the certificate existed and recommended that I contact the XXXX XXXX XXXX XXXX for Nations Bank as everything that existed prior to XXXX was either closed or dormant. 

I contacted the XXXX XXXX XXXX XXXX at XXXX for Nations BankXXXXBank of America on XX/XX/XXXX. At which time, I was informed that the historical group only deals in computer shares, not investments. The person I spoke with recommended that I contact the Virginia Department of Treasury. 

The Viriginia Department of Treasury informed me on XX/XX/XXXX, that no unclaimed property records existed for my aunt. Also, that financial institutes are obligated to send funds to the treasury department when mergers/buy outs occur and recommended that I contact the State Corporation Commission .

I contacted the State Corporation Commission on XX/XX/XXXX, and referred to the Financial Regulation/Banking Section XXXX XXXX is the gentleman that I spoke with informed me that the State Corporation Commission does not assist with this type of matter. He recommended that I file an online complaint with the Securities and Exchange Commission. On XXXX XXXX, I filed an online complaint with the Securities and Exchange Commission. As of this writing, I have yet to receive a response to my complaint. 

On XX/XX/XXXX, the FDIC informed me that they were unable to assist since Nations Bank had merged with another financial institution. FDIC recommended that I contact the Consumer Financial Protection Bureau. The person I spoke with XX/XX/XXXX, at CFPB explained the process to file an online complaint. 

At this point, I do not know of any other avenues to pursue in an effort to resolve this matter. Should you have questions or need additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you in advance for any assistance you can provide. 

A scanned version of the front and back of the Investment Certificate is attached.

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 2023-01-22 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: IL

Complaint narrative:
After review of my credit report, according to the Fair Credit Reporting Act the following account : XXXX. XXXX XXXX XXXX account # : XXXX Has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
No instructions were given to furnish this account on my report. Furthermore all debts with XXXX XXXX were settled and sealed in court without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
I opened up my account in XXXX I have my account was closed after 3 days when I got a paycheck and deposited into my account they close my account and I only owed {$63.00} I've tried to reopen my account but they keep telling me that I have to come in and open up an account when I did it online the first time nothing has changed address still the same driver 's license number still the same social security number still the same just wouldn't help me at all they're rude and they don't like to help people. I don't have my account number and routing number again this happened in XXXX so I really need your help I lost a lot of money behind that situation a lot

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 2023-01-22 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
When I was XXXX and Naive I financed a car from XXXX XXXX, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed Im XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the XXXX  XXXX XXXX site it lists my wrong address

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On multiple occasions I was charged monthly fees on both my XXXX checking and also savings account even though I hit my monthly transactions as well as being hit with an overdraft fee even though I had the money in my account. I opened a savings account with XXXX XXXX  and Wells Fargo charged me for opening an account with a separate company. Also there were multiple accounts that I could not log in because the app and website were down. 

I finally just called it quits and closed my account and transferred to 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 2023-01-22 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: GA

Complaint narrative:
My account with Wells Fargo was closed and I never received the funds that was in the account at the time of closing.

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am so tired of XXXX XXXX  harassing me over a debt a dont owe. Charges were unauthorized through a XXXX XXXX XXXX XXXX overdraft checking account. I am currently under the care of my XXXX  and XXXX  The unauthorized charges occurred while I first started receiving XXXX years ago. I was hospitalized for months and XXXX after XXXX and XXXX XXXX XXXX XXXX was aware. I couldnt even XXXX so I could I make purchasing. I am still under the care of my XXXX  and I have XXXX XXXX XXXX  and still receiving XXXX. I am XXXX and you all want to harass me over a debt that I didnt create and a debt you all dont own. I dont mind going to court. My doctor told me not to worry about XXXX XXXX and not to let them stress you out. She stated you are under my care and if I have to intervene she will if they dont stop harassing you. Please mail out the papers certified so I can give my doctor a copy. I am so tired of this company. This company is interfering with my health and treatments. And it has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
Massive overdraft fees, nsf funds 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 2023-01-22 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: CA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also XXXX inquiries on my XXXX credit reports. TransUnion, XXXX, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.

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