vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

Complaint narrative:
Wells Fargo incorrectly charged me overdraft fees numerous times when funds were in my account to cover transactions.

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: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was coerced into opening a checking account while visiting the branch. I initially had a XXXX account at Wells Fargo and thats all I wanted. I wasnt told the checking account had a monthly service fee and the account was drained. When there was no money left in the account to pay the service fee, a cash advance was taken from my Wells Fargo credit card. That is what alerted me that the account had been drained and i was being charged a monthly service fee. I called Wells Fargo XXXX card company and was able to get the cash advance reversed however, I wasnt able to get those monthly service fees for the checking account credited. 
This incident caused me to close all of my accounts with Wells Fargo and move my mortgage away from the bank too.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: NC

Complaint narrative:
Sunlight complaint In XXXX XXXX, I signed an agreement for sunlight financial to finance my solar panel installation which was being completed by XXXX XXXX for approximately $ XXXX XXXX XXXX  did the initial installation ( panels etc ) in XX/XX/2022 but never completed all other required steps including state inspections. Regardless, Sunlight Financial proceeded to disburse funds to pink energy without first confirming with the person on the hook for repaying the loan to confirm the project was substantially complete. Fast forward - the solar system is not functioning due to incorrect installation but sunlight Financial has refused to admit wrong doing and stop payments. Multiple attempts to get them to reason and admit their lack of internal controls has resulted in this predicament has proven futile. Sunlight should have asked me to confirm completion of project prior to disbursement of funds. XXXX XXXX is now defunct and as a result, Im stuck with repaying a loan for something that does not work.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Been with them every since XXXX and they always never Helping out if need to do loan turn me down always when deposit check they give me probably and my business account been banking with them they always turn me down

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They allowed charges then charge me overdraft fees 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 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I asked your loan they denied and close 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 2023-01-22 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: LA

Complaint narrative:
Hello, I have contacted Equifax, XXXX, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Following banks have all refused me opening an account, citing consumer report and credit report as reason. PNC, XXXX XXXX, XXXX AND XXXX. CURRENT bank labeled me a liar by refusing to honor a legitimate dispute of unauthorized charges to my virtual card on my checking account and closed me out without my being able to discuss the problem which is internal of the bank itself. I understand but fail to agree with their reasoning. Yes I messed up with some financial stuff, but am I doomed to NOT having a safe place for my Social Security and Pension funds ( $ 3600 monthly ) to be deposited. I do not trust online banking and feel I should be given a chance to prove myself, rather than a flat denial of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Tried to make a car payment in in the amount of XXXX dollars it took XXXX days for it to go through I tried to cancel the account after then they hit me with fees after I took what I had in the account and left me with a negative balance of XXXX after all the fees piled up, cant get it off of my credit history now.

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

Complaint narrative:
I have been longtime customer with this company and every since I got married add my wife to my account every other month or so my dedit card dont work or extras back to back fees are coming out or overdraft fees are getting higer to manage Im close my account soon with this company Im so disappointed in them being longtime client here I dont feel protected at this bank at all

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: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Had an account with them having problems open the account due to the closing of the account with Wells Fargo also unknown accounts being open that I had no knowledge of I never had a mortgage with them or applied for 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
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I signed up for a Dillards credit card through Wells Fargo earlier in 2022. I have been receiving spam texts and calls, numerous times. Ive contacted customer service to pay my bill and explain my current work situation due to a car accident in XXXX of 2022, to no prevail. This credit card is hurting my credit and a breach of privacy, unknowingly selling my personal info.

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

Complaint narrative:
I have fees that come out of my account and my wife 's accounts. Also, they done my wife 's account nsf and had her account all jacked up. But as soon as her check went in it all started with the nsf went away and the money in question disappeared too. 
Requested an appointment to see a bank agent in which couldn't see the closest bank but had to see the one 12 miles away from me. 
Still they had no explanation, and claimed they don't see it now.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
sent letter XXXX XXXX and called with police report number still have 4 auto loans that are not mine and XXXX with balance of XXXX not mine along with 30+ hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a account with Wells Fargo and had it like 2 months my friend was transferring money to me it went through and Wells Fargo stopped it and then told me they were closing my account I didnt get a reason nothing when I tried to talk to them they didnt want to hear it its funny I still get emails about my balance Ive told them take me off ur list for emails and somehow I still get 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, I have contacted XXXX, XXXX, and TransUnion about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: LA

Complaint narrative:
Hello, I have contacted XXXX, Experian, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020

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 2023-01-22 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: FL

Complaint narrative:
sent letter sec XXXX and called with police report number still have XXXX auto loans that are not mine and amex with balance of XXXX not mine along with XXXX hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
sent letter sec XXXX and called with police report number still have XXXX auto loans that are not mine and amex with balance of XXXX not mine along with XXXX hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To much low account fees when they only give .001 % 0n my money i can never get out the red zone for Years

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The weekend of XX/XX/XXXX I was watching my account as I was spending my money and all of a sudden I was hit with so many overdraft fees that it was crazy! They garnished my whole check twice! I was supposed to have overdraft protection! This was the worst experience I have ever had with a bank!! I closed the account because they didnt want to give me back my 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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
They charged me gap on my vehicle causing me to have it repossessed

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX I refinanced and during the process a silent XXXX mortgage was added to my mortgage without my knowledge..for yrs I was getting a payoff letter of XXXX amount but when I went to refinance last year I found out about the silent XXXX and was unable to refinance. I would have never agreed to this if would have known what was going on. Devastating ... this was never brought to light during my refinance process. And when I recently tried to refinance they were not helpful in resolving this. I'm not 100 % sure this is an XXXX be conventional..not sure.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My XXXX XXXX was over XXXX and yet Wells Fargo gave a very high interest rate and after paying XXXX years it still only paying interest only and my principal is still pending. Wells Fargo is not upfront with the payments and paying of interest and principal

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

Complaint narrative:
My vehicle was repossessed by Wellsfargo. I was charged fees associated with the repossession and this was reported negatively on my credit report.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have direct deposit with Wells Fargo. They promise a two day early deposit but they hold my check if my account is negative. They would hit me with a overdraft fee first and then deposit the check. This happens every week, I have spoke with a banker and was told that my deposit has not cleared yet or was not verified but when I get hit with the fee, then all of a sudden my check is verified and deposited. My charges does not go through in order. I could make a small purchase for maybe {$10.00} and then a purchase for {$50.00} and they would process the {$50.00} payment first trying to catch you with a overdraft fee for the {$10.00} payment. Wells Fargo is a bad bank and is very untrustworthy but they claim they are here to help the customers.

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 monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I receive a settlement payment from workman comp compensation I sued to protect myself and I received back pay for social security comp check as well I opened my accounts with those checks I believe I was charge rates higher and monies was missing and I never bothered because I was helping my families XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS HELPING MY FAMILIES AND NOT FULLY AWARES BUT THEN I RECEIVED QUOTE UNQOTE AND DEPOSITED INTO MY ACCOUNT AND I WAS FINED BECAUSE THEY SAID IT WAS BAD THEY TOOK MONIES FROM MY ACCOUNT AND CANCELLED NY ACOOUNT AND DID NOT REFUND MY MINIES A D THEY FINED ME CHARGES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO NOW YOU SAY I CAN RECEIVE MY MONIES BACK WE THANK YOU BUT I DONT KNOW WHAT OR IF I HAVE A LEGITIMATE COMPLAINT OR NOT SIR/ MAM???. MY ACCOUNT WAS OPENED XXXX AROUND THE SUMMER TIME I BELIEVED AND CLOSED AROUND XXXX OR XXXX AND MY XXXX XXXX, MY DL # XXXX, XXXX XXXX AT THAT TIME I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THATS ALL I REMEMBER XXXX XXXX XXXX XXXX XX/XX/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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.

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