vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received the attached letter from Bank Of the West ( BOW ) on XXXX Tuesday, XX/XX/XXXX. The letter threatens to close my accounts if updated contact information is not provided. 

My XXXX XXXX  of my account and contact information shows it to be current. 

I have spoken to the person referenced in the letter, XXXX XXXX ( XXXX ). XXXX had no information and knew nothing about the letter. XXXX referred me to the XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ). XXXX XXXX knew nothing about the letter. XXXX XXXX stated that he would have the regional XXXX XXXX XXXX ( XXXX ) call me that day ( Wednesday XX/XX/XXXX before XXXX  ). I received no call from XXXX and to date have received none. I was provided contact information for XXXX XXXX ( XXXX ) who is said to be XXXX ' supervisor. I called XXXX ( XX/XX/XXXX ) left a message describing the situation and to date have heard nothing. 

The letter ( attached below ) states that my account will be closed XX/XX/XXXX if I do not contact the Bank. 

A very similar letter was issued to me a couple years ago. I was able at that time to speak with XXXX. XXXX stated that the bank had issues with my banking withdrawals, but refused to elaborate or explain their issues. During the conversation with XXXX, I suggested that some of the BOW questions regarding my banking transactions seemed to be XXXX  driven as the transactions in question were for both XXXX names, XXXX being " XXXX '' and XXXX being " XXXX '' while regular transactions of " XXXX '' " XXXX '' and " XXXX '' were not questioned at all and were of lesser amounts. When I suggested to XXXX that this appeared to be some kind of XXXX XXXX, she became very agitated and stated that our conversation was over and there was no XXXX XXXX for my complaint. The closure threat was terminated with no explanation, or apology or further contact from the bank. 

The bank states in the letter that they were " ... ... ... .unsuccessful in our multiple attempts to contact you .... '' I received no notices from XXXX, they have my phone numbers and my email address. 

I am so frustrated that a " legitimate '' financial institution can/would issue a letter that no one in the organization has any knowledge about and there are no notes attached to my accounts. AND there has been no response of any kind after I am sent a letter threatening to close my accounts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has my interest rate too high. I am owed a lot of money from back pay and school 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to remove XXXX XXXX bankruptcy from my credit report after providing documentation several times that it has been removed from XXXX on XX/XX/22 and XXXX on XX/XX/22 due to never taking place or occurring in my name. 
This is inaccurate reporting therefore please remove immediately from Equifax credit report.

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 — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX  dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for me

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: LA

Complaint narrative:
I was charged overdraft fees which resulted in my account going in the negative by you hundreds of dollars. As a result my account was closed.

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:
the charged me too many overdraft fees for many years they will hold my pay check on purpose so that i fell negative on my balance they managed to pay some transactions while been low on funds to charge me XXXX for overdraft fees ( my pay check deposited been on hold ) also and they open bank accounts i never requested all this happened in the last 30 years i ve been a wells fargo client ....

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

Complaint narrative:
I had terrible experience with Wells Fargo back in 2014. I was always charged with overdraft fees when I know I was never in the wrong.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete these inquiries from my credit report as they were done without my consent. I have included the Identity theft report. 

XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/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 non-monetary relief
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 — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I had an account and it was over drawn I tried to call and report the fraud because I was not the one who made these transactions and Wells Fargo charged me Alot of over draft fees and closed my account. They didnt do anything but close my account now I have judgments on my credit and Ive been getting billed!

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm asking for a investigation because some of the accounts on my credit file are not mine and I am asking for these accounts to be inserted of the correct person credit file. I did a investigation and the person with the same name is XXXX XXXX I gave police department her information when I made a police 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 non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I'm adding to a complaint already made about Mr cooper. 
While on the phone with Mr cooper on XX/XX/23 the mr cooper representative said that I should never had been denied as I paid all the payments on time as agreed, after a long hold they came back and said that my case had fallen through the cracks and she was making the changes to allow my modification to go ahead, all this was in the presence of my lawyer and recorded by Mr cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank closed all three of my accounts starting with my savings account. They sent me this email stating that it will be closed. They said I violated something but Im not exactly what it was. They gave me a number at the bottom of the email that I could call Ive called multiple times and everyone keeps saying the same thing that I have to wait. There is no explanation and then they just hang up the phone, maybe Ill get a letter in 60 days not sure they also say that I might get my money back if I am entitled to it I just have to wait. I have bills that need to be paid that I cant pay because I dont have access to my money they didnt only close my account. They also close my mom 's account with no explanation as well. They close the checking account that I normally get paid in. My boss even paid me on XX/XX/XXXX from XXXX I have proof from XXXX stating that they did not send the money back to XXXX so my boss is out as well. she doesnt have the money and that was on XX/XX/XXXX And today is XX/XX/XXXX and my account was closed on XX/XX/2022. I need help because I need access to my savings. I have two savings account accounts with Citibank and one checking which all have funds in there and I cant access them, and I have bills to pay and I need that money to pay rent. I need that money to pay the light bill and he got money to buy food and put gas in my car to get to work. I cant wait any more days for them I was also told not to go to any branches to get it resolved because I would get the same response that everybody has been giving me over the phone. What is it states in the email that if I wan na get my money sooner I should call or go to a branch but so far they have not

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: 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: CA

Complaint narrative:
Gap loan. Didnt receive any payment after car was paid off

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

Complaint narrative:
I heard there was a settlement, Id like to see if XXXX eligible for compensation.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was affected by Equifax data breach and my credit was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My loan that was originally with XXXX XXXX was under {$1200.00}, when Wells fargo took over it, it went up to {$1300.00}. I called Wells Fargo many times and they would say it's because of taxes or escrow. I eventually tried to do a modification in order to offset the increase in payment, but had to take advantage of the pandemic payment pause instead. I can only guess that Wells Fargo took over the processing about XXXX, before house was sold.

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: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
Never had a late payment with this company, its was a missing check thats didnt get to them on time but they finally received it

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: PA

Complaint narrative:
I have had a checking and savings account, a credit card and an auto loan with this croucked company. Their fees are insane and they move withdrawals around to get the most overdrafts. Then on loans they claim to sell the vehicle WAY under value leaving a huge balance to pay. Customer service is rude and unhelpful.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I called Aidvantage in XX/XX/XXXX to request a loan under the Federal Student Loan Debt Relief, for which I should receive roughly {$5000.00}. After speaking with a customer service rep, I was told I should see my refund within XXXX weeks. Therefore, I should have received the refund in approximately XX/XX/XXXX. 

In XX/XX/XXXX, I called Aidvantage to follow up and ensure there were no issues. Although the loans had re-appeared on my credit report, I had yet to receive any notifications from Aidvantage regarding my request. The customer service representative told me that my request for a refund was never submitted. They stated that they could present the proposal now ; however, it would take an additional XXXX weeks to process. This meant that I would receive my refund in approximately XX/XX/XXXX. 

I called Aidvantage on XXXX XX/XX/XXXX, and the customer service representative told me that I needed to wait another week and, if there was nothing processed, I should call back. 

I called Aidvantage on XXXX XX/XX/XXXX. The customer service representative was extremely rude and told me that I needed to wait another week and that if there was nothing processed, I should call back. 

They also stated that when the refund is processed, it will take an additional XXXX weeks before I see it, pushing the date I expect to see my requested refund to XX/XX/XXXX. 

The amount of uncertainty while dealing with Aidvantage has been astronomical. In addition, customer service representatives need to be more knowledgeable concerning refund processes and timelines. 

I am confident I will never receive my XXXX XXXX XXXX XXXX XXXX as promised. 

Aidvantage has no interest in processing my request. I am calling weekly for updates, but I need help to get through.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was froze and later depleted in XXXX and XXXX of 2022, .I 've tried to fix it straight forward with this company but have gotten nowhere..

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

Complaint narrative:
I don't remember exactly dates, I had an account during the time in question of XXXX and had many overdraft fees charged among disputes that weren't received.

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: PA

Complaint narrative:
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 — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage. Vehicle loan, checking and savings during since XXXX, and I understand there has been some banking errors since XXXX. I am seeing if I qualify for any of the monies owed due to error.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for the American Express ( AMEX ) Delta SkyMiles Gold Card back in XX/XX/XXXX based on a welcome bonus offer advertised to me through their website and via pamphlet received in the mail. The welcome bonus offer advertised to me was I would receive XXXX bonus miles if I spend {$2000.00} or more in the first 3 months. 

After receiving my new credit card in the mail and reaching the required spend threshold I only received XXXX bonus miles from AMEX, not the XXXX bonus miles I was expecting. At this point, it seemed like a mistake was made because the offer AMEX actually applied was only XXXX bonus miles after spending {$1000.00} within 2 months. 

So I submitted a dispute with AMEX to resolve this discrepancy back in XX/XX/XXXX. I provided supporting documents to AMEX on XX/XX/XXXX via online document submission portal on their website, which showed the welcome bonus offer that was advertised to me ( i.e., XXXX bonus miles ). These supporting documents can be seen in Attachment # XXXX. 

My dispute/complaint would have been resolved if AMEX simply XXXX applied the better welcome offer to my account. 

However, I patiently waited 3 months and received no response from AMEX. Then I finally reached out to AMEX today ( XX/XX/XXXX ) for a status update. Their responses can be seen in Attachment # XXXX. Essentially, AMEX declined my dispute/complaint and would not honor the advertised welcome bonus offer that I based and pursued my application on. 

I genuinely feel like I've been misled by AMEX via false advertising and if I would have known I'd receive a lesser welcome bonus offer than what was advertised to me, I wouldn't have applied or accepted the credit card in the first place. Now I'm stuck with this credit card and risk affecting my credit score/history if I cancel it because of dissatisfaction with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I couldn't open an saving and checking 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: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX continued The events happened between XX/XX/ and XX/XX/2019. In XX/XX/ when I should have been closing they attempted to force me to take a 3.95 % rate which was not what the rate. They also sat on the completed file delaying a closing. I located the secure emails, XX/XX/2019 estimate with the 3.5 % and the woman who tried to force me to change my rate. 

XXXX in XX/XX/2019 gave me the 3.5 % rate. 

I am attaching files. I am requesting to be part of the settlement because I paid {$1400.00} when I was qualified to pay {$1200.00} from XXXX 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