vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX I had a conventional loan with Wells Fargo. Wells Fargo added XXXX mortgage insurance to the loan. XXXX times I requested that they drop the mortgage insurance because my loan amount was less than XXXX XXXX of the home value. Wells Fargo refused everytime. We paid this XXXX  for over XXXXXXXX XXXX all the while my payments continued to go up every XXXX because of the taxes on my escrow. The value of the house was XXXX  what the loan amount was. Ultimately my family could no longer afford to live there and had to sell our family home. I believe Wells Fargo should be liable for every XXXX  I spent on 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used to have a business account with Wells Fargo. Fees were high so I closed it. Not sure if there were any errors on Wells Fargos behalf

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 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One lowered their interest rate on my XXXX money market savings account. They created a new savings account called performance savings with their standard competitive interest rate and the same terms of the old account type. I asked to switch my account types, and I was instructed that I could not switch account types and I had to open a brand new account and move funds and close my old account. This appears to be a scheme to not give me their standard interest rate until I noticed. I should not have had to open a new account with the same terms just to get their standard interest rate. I feel this is a scam to generate new account sales instead of just switching my account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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:
I held an account in XXXX through XXXX in XXXX XXXX, Colorado. I was hit with several overdraft fees that I felt to be unfair. I even called the customer service line and got no help for this. The overdraft fees and bank fees alone made it impossible to raise XXXX children while trying to get ahead with my credit. I eventually was forced to close my account because I couldn't take it anymore. My credit plummeted, and I ended up losing my home.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There have been numerous times my account has been overdrawn or my payments have been returned due to atm 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Incorrect fees charged

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 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I have received numbers calls and voicemails from this company from the above number or similar phone number extensions noted below. Dates of calls are noted below. I answered once on XX/XX/XXXX, asked for proof or validation of debt, and was not provided with the information within 5 days. 

Phone numbers and dates of calls : XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XXXX XXXX XXXX  - CBNA  ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Overdraft FEES. 
2nd Mortgage. 
Prepaid Credit Card Fees. 
I've been with Wells Fargo since XXXX. 
I've been charged numerous overdraft FEES over the years when I've specifically told them NOT to pay if the funds aren't available. 
I had a prepaid credit card in XXXX that was charged way too many fees even though they had my cash to secure the card. 
My second mortgage was foreclosed on erroneously in XXXX. 
Refund {$340.00} in overdraft FEES and interest into 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 2023-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

capital one XXXX XXXX  XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
To answer your question, I was denied an extension of credit once I submitted the consumer credit application to obtain a vehicle. 
As you may know it is against federal law in accordance with Equal Credit opportunity Act to proclaim an adverse action against a consumer. Pursuant to the 15 usc 1691 ( c ) and you assume civil liability pursuant to 15 usc 1691 ( k ) XXXX XXXX has violated my federally protected rights.

If you had such permission and or permissible purpose who gave it to you? 
Your corporation is in violation of 18 usc 1028 ( 7 ) 15 usc 1691 ( c ) 15 usc 1691 ( k ) 15 usc 1681 ( m ) 12 cfr 1002 Since the letter you sent me dated ( XX/XX/2022 ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( XXXX XXXXXXXX ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have forgotten the dates after 2011 when I closed my account due to many fees and money I couldn't keep due to so many fees out of my checking account. I had to find another bank with less fees from 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've ordered some item from different stores and never got the merchandise, but I was still charge. The bank ( wells Fargo were notified of the situation and I was told it was nothing they could do about it. It was over {$1000.00} dollars I was out of. Someone please help me. Thank You.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed {$1700.00} worth of transactions that was made from my account they gave it back and then now my account is in the negative. I still dont have a debit card i tried to go in the branch and get XXXX they said call customer service. Its been over a month my account is still negative and no debit card has been issued im so 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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Levy & Associates, LLC
State: NC

Complaint narrative:
I was notified of a summons of garnishment by my current employer. After reviewing the summons sent to my job, Levy Law Firm Co., has my former name, address, and phone number from over 5 years ago. I called Levy Law Firm in XX/XX/XXXX to attempt to correct thewrong contact information and set up a repayment plan but they have not helped with anything. Im the sole legal provider for my son and Im now having difficulty paying bills because of the garnishment applied being pulled from my wages. My court date per the summons is XX/XX/XXXX for a total of {$4800.00}. I recently found out that this summons was sent to my prior address even after I requested it to be changed and the tenants at that property are texting a picture of the summons to individuals that now have access to my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: SC

Complaint narrative:
Missing fund XXXX though XXXX on free checking

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 2023-01-20 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: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have XXXX  over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, Between XXXX I and my wife XXXX XXXX lost pay form our employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX  mortgage collapse caused this problem, so we were not able to make our mortgage payments to Wells Fargo Bank. So, we tried to modify our loan with with Wells Fargo 's refinance mortgage department under hardship. We submitted everything the bank requested and after going back and forth we finally got and approval letter letting me and my wife know that we qualified for a mortgage loan modification consistent with the hardship we were dealt with under the XXXX  housing mortgage crash. Well, Wells Fargo bank reneged on their promise to modify our mortgage loan. 
Through out the process of trying to modify our loan with there was a credit collection agency from Wells Fargo bank that consistently harassed me and wife wife to try and collect money that me and wife could not pay because my wife lost her job and my work ours hours were reduced. We were consistently threatened with foreclosure on our home by the collecting agency. So, after 12-24 months we were forced to pay mortgage back pay money which summed about {$14000.00} to {$16000.00} .This money that we had to pay back depleted me and my wife 's life savings account. This created more uncalled hardship. Me and my wife had to ask our parents for help to make ends meat. 
Wells Fargo bank just made false promises and gave me and wife the runaround and charged us delinquent fees 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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Was aggresively told I should get gap insurance or chances of loans might change, and that it could be removed after a couple of years to reduce my car payments. Yet, when attempts to call the loan services that was not possible. Should have never gotten this gap insurance.

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 2023-01-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-20 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: TX

Complaint narrative:
From XXXX there were overdraft fees that were applied even though the direct deposit from my employer was pending when an automatic payment was being withdrawn on the same day. The direct deposits were made every month on the 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Incorrect and excessive NSF fees and re-grouping charges to cause overdraft. 

Accounts between XXXX approximately but dates could be earlier than these.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I have a checking account at Chase. The account is also my direct deposit account for my salary and default account for all my credit cards payments. As of today, there are around XXXX dollars in the account. 
I didn't know my account got locked/freeze until today ( XX/XX/XXXXone of my credit card company told me my balance is past due. I went to Chase and other credit cards account and then found out all credit cards payments got returned since first week of XXXX. 

So I called Chase. Two representatives and a manager talked to me, which took me 2 hours. In conclusion, Chase told me my checking account is locked, due to an investigation. The investigation started on XX/XX/2023, and no one from Chase told me that. After over two weeks, the investigation is still ongoing and Chase can not share any details regarding the investigation and Chase doesn't know how long it still need to investigate. The only thing they are keep telling me is I need to keep wait and I can not withdraw any of my salary. 
That's XXXX dollars, and I need the money to pay my family expense and pay credit cards. I have XXXX kids at home and now I can not use my salary money. The only thing I got back from Chase is KEEP WAITING. 

Please help me, I don't understand if there is an investigation why can not they share details and let me provide feedback so they can solve this faster. And plus why I can not use my own salary money. I need the money to pay my family expenses. Please help me, I really don't know what I need to do. Please let me know if you need any more information. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was closed because of 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