vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I have been a XXXX XXXX XXXXXXXX for the past few years and an issue has happened to me with Syncronic Bank and my Pep Boys card. This account is closed without any notification to me, it turns out that I made a payment on XX/XX/2022 for {$35.00} from an account that I mistakenly chose in the application, this payment account is not the one I usually use for payment. I realized the next day and made the payment again on XX/XX/2022 for the same amount but from the account that I used to make these payments. I obviously knew this would have an NSF charge on my next bill. I don't understand. The payment date is every XXXX of each month and I have never been late, I paid before time and I resolved the situation long before the due date of the corresponding payment and they closed my account. I understand that this is a situation of malpractice in consumer law, in this case my person. And my credit is excellent. If this is the case then they should cancel the other cards that I have with which there are XXXX with Synchronic. I would appreciate it if you explained to me why the credit of this account was closed, since I find that it is an injustice. Details and Reference available at your disposal. Thanks to may interest.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I noticed a hard inquiry on my XXXX Credit Report from XXXX XXXX on XX/XX/2023 XXXX This prompted me to file a dispute to have the inquiry removed. Upon further review of the dispute, I noticed that a Credit Card was issued with a credit limit of {$3400.00} using my personal information on XX/XX/2023. This is identity theft and I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NY

Complaint narrative:
SeedFi sold a loan that I had with them to XXXX  after they went out of business. XXXX charged me with late fees even though I am current with my payments. They also have called me 10x since Saturday ( as of XX/XX/19 at XXXX ) to say that I have delinquent payments, although I have manually submitted payments as well as being on autopay. 

I've tried calling to discuss with a representative at XXXX corporate and can not get through. I've tried discussing with the rep that calls but they're offshore and then hang up on me. They keep calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I saw an account on my credit report page from AFFIRM INC . I was told it was a loan from XXXX. I have never taken out a loan from Affirm Inc to travel. This is a fraudulent account that wasn't mine. The loan open dates is XX/XX/2017 and the amount shows is XXXX. This is not my loan or account and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ( XXXX ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON EXPERIAN I NEED THIS REPORTED ACCURATELY IMMEDIATELY.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a check for {$150.00} for overdraft fees charged, they then deducted the {$150.00} from my account. And the check is not able to be cashed cause wells fargo said it was cashed already, but they took it out of my account like it never existed, when I called so they could reissue the check they stated it was already cashed. They just robbed my {$150.00}

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 2023-01-19 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: IL

Complaint narrative:
I was struggling to pay my car note and pay $ XXXX get the car fixed due to the computer system with the vehicle and I did a volunteer repossession and it took them 3 months to pickup the vehicle and they sold the vehicle and was still charged {$8000.00} remaining balance and my credit score went down so I couldn't purchase a new vehicle we I was told that I was in good standards with wells Fargo and it won't effect my credit score and it did.

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 2023-01-19 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:
Overdraft fees and NSF fees on money transfers where I had sufficient funds to make the transfer causing other NSF 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 monetary relief
Consumer complaint received 2023-01-19 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:
I closed my account when I had funds in the account. They still charged and added 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
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo settlement

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 2023-01-19 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: WI

Complaint narrative:
Closed accounts due to constant 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a checking account and they are holding me accountable for overdraft fees and fees of pulling money out that I never pulled out also the fact that my account had a deposit for money in it and they blamed me for it and I wasnt even around the state and someone was signing into my account so now they say I owe them money and closed my account out and won't let me open another one..

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 2023-01-19 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: AR

Complaint narrative:
Paying to much on this 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 2023-01-19 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX also a collections from Caine & weiner in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: American First Finance, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Spoke with Wells Fargo 3 times. No resolution

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 2023-01-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
False information, constant running of credit

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 2023-01-19 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: CA

Complaint narrative:
I made complaint someone hacked my account and send money with XXXX I called the bank and they told me supposedly some one with my authorization made this transfer but I never gave my authorization so they denied my claim and closed this claim so it was XXXX dollars that I lost there

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I paid of my car and was not paid my GAP insurance back for 2 years later and do not know if it was correct.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX of 2022 Deposited check. large sum XXXX plus. 
Wells fargo held the deposit for 18 days because of overdraft fees that my account had received. I never gave permission to enter their fraudulent overdraft program in the first place. I was charged excessive overdraft fees that totalled thousands of dollars. And then they double punished me by holding my $ XXXX deposit for 18 days. Clearly incurring interest on my money at my expense. went into branch and was dismissed by the manager on more than one occasion. Received no help. Filed complaints.

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 2023-01-19 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: VA

Complaint narrative:
It was back in XXXX they kept charging me overdraft fees and I wasn't overdrafts any thing.they kept charging me for 3 months that went on at the branch in XXXX XXXX XXXX XXXX XXXX XXXX I had direct deposit and every time I got paid I was missing about XXXX every pay period for about 3 to 4 months til I closed 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In or around XXXX of XXXX  someone opened a new credit card with Synchrony bank without my authorization. While checking my credit information on XXXX XXXX I noticed this new account that 2 late payments. I HAVE NEVER BEEN LATE on any of my cards. This brought my credit scores down about 30 points. I had over 700 credit score in all 3 bureaus. This has hurt my chances of getting a good interest rate on a loan to pay all my credit card debt. I am extremely upset with this bank as I Never got a call, nor email, nor correspondence or any alerts about late payments. THERE IS NO EXCUSE for this as they do have my contact information as I have 2 credit cards with them in GREAT STANDING. I called the bank, was given fraud case # XXXX. To make matters worse, I received a letter from Synchrony saying I disputed my credit care credit card debt, WHICH IS NOT TRUE! Now they are saying they have no information of the acct that was opened without my authorization and was given a fraud case number for. Yet in my credit wise account info it shows an account that was opened. I have documents. Letters to the credit bureaus, receipt of monies incurred to send letters to the Bureaus regarding their Negligence. They are ruining my financial future. I need to get my credit scores back to where they were before this happen. 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 2023-01-19 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:
Every Month my account was insufficient due to fees they was charging me and I had to pay XXXX of dollars

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 2023-01-19 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-19 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
It was an offer that if I open a savings account and make three deposits over 3 months you would get a {$100.00} bonus award added to your account- knowing that these things are tricky to navigate I called the bank directly and requested a rep walk me through the process and they did. After three months when I did not receive the award I called and told them my story and how I had the rep walk me through it and the bank did follow up and check the tapes of my call and indeed the rep was incorrect in their instructions so i would be granted the {$100.00} in XX/XX/2022 when the promo ended. Just keep your money there I was told. XXXX came and went and I called once again. This time to be told the manager who granted that solution was no longer with the firm and I should forget about it they r not doing it and on top of it charged me a service fee! They did reverse the fee but that was all they did. The rest hangs in limbo. I feel misled and taken advantage of quite powerless. I am asking for your help to resolve this as it is still an open issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have previously made complaints to CFPB about the unfair treatment by Wells Fargo with regards to a loan and forclosure on our home. The file has since been closed. 

I have not been notified by Wells Fargo about the CFPB enforcement action and award for the unfair treatment on our loan and the foreclosure on our home. 
I am not able to speak with any representative at Wells Fargo as I do not currently have an active 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 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash and Curtis Associates debt collection for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with Wells Fargo they may repeatedly charged me overdraft fees that were unnecessary through out my time as a customer.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, XXXX, and Equifax, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.

Company response to consumer: Closed with explanation