vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unrecognized account with BMO Harris Bank In XX/XX/2022, I got a statement from BMO Harris Bank mentioning a savings account number with XXXX dollar balance. I dont remember ever opening an account with BMO Harris bank. I didnt even know such a bank existed and I had to search online to see that it is a legit bank. 

I called the number provided in that statement and spoke to an agent. When I mentioned the issue and asked them when the account was opened they said they cant provide that information. They said I need to go to the nearest branch ( which is more than a 100 miles from my house ). I told them that. They offered to close the account. 

I thought the matter was settled. I was still worried and put a freeze with credit agencies. 

I got another USPS mail statement in XXXX for XX/XX/XXXX for the same account number with a XXXX dollar balance I believe the BMO HARRIS bank is trying to open fake accounts - like another bank that did a few years back and was penalized. Initially I thought somebody opened an account in my name - assuming my SSN is compromised. Given that BMO harris promised me that the account will be closed and I still got the statement makes be believe the bank is doing something fishy. 

I called again and spoke to some one and explained the issue including the fact that the account was supposed to be closed last month. They put me on hold for more than 1/2 an hour. I hung up as I realized that they were deliberately doing this.

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

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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

Complaint narrative:
Going thru divorce car was repossessed, then sold at auction had to pay existing loan for XXXX. I was co- signer for car, e wife was XXXX  car was impounded found out later, they sold at auction and I had to pay the rest of loan off. Which I should of never had to pay. They sent me remaining balance when they couldnt get what they wanted for it. I called them they said I had to pay the balance I should of got the car back since I paid more then what they auctioned it off for. No title no car.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-20 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: MD

Complaint narrative:
I had a Wells Fargo account between XXXX and XXXX, and I qualify for damages. I was harmed by " illegal activity, '' including incorrect 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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i obtained a current copy of my credit report and noticed unauthorized credit inquires which i did not do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: MN

Complaint narrative:
I kept getting overdraft fees because the bank would do a withdrawal before a XXXX every payday on purpose

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

Complaint narrative:
Had accounts with Wells Fargo. Had over draft protection, would have pending direct deposit would be charged overdraft fees and told atm fees were waived utilizing certain atms still charged and charged twice

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2004, Wells Fargo gave me a loan on a condo. The loan was for a condo, XXXX XXXX XXXX XXXX in XXXX CA. The condo cost approximately {$210000.00} and the loan amount was around {$400000.00}, with a balloon payment of {$50000.00} after 5 years. I was a beginning XXXX at the time. I was making approximately {$2600.00} a month with a payment around {$1400.00}. I ended up losing the house despite trying to work an extra job. I just couldn't afford the payment and there was no way I was going to have {$50000.00} in 5 years on a XXXX XXXX salary. I was very young and I kept asking how I was supposed to afford this amount. The loan officer just kept telling me I could do it. I would like to lodge a complaint against Wells Fargo and see if I can recover any of the money I lost due to the foreclosure and making a poor XXXX lose her home. 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:
No action take as of yet! Fees taken out of account for no reason. XXXX was missing XX/XX/2020 not recovered. XX/XX/2020 charged for fees 4 times. XXXX in fees making the account go negative.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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

Complaint narrative:
We remodified My loan and when I sold the hone they took XXXX XXXX XXXX of dollars out of the sales price.

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: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a vehicle loan with Wells Fargo. There was a hurricane in XXXX and Wells Fargo sent a letter stating that customers in my area could defer payments for 3 months as a form of disaster relief. What the letter did not mention is that after 3 months I would be constantly harassed for three months worth of payments plus the current month. I could not afford {$1200.00} all at once. After struggling to make XXXX back to back payments of {$500.00}, I couldnt afford to keep the payments up. My car was repossessed which hurt my credit and there may have been an attempt to get additional money after they sold my vehicle. This happened some time between XXXX and XXXX. I should definitely be included in the {$4000.00} payment to customers who suffered a repossession from Wells Fargo because the letter failed to mention that 4 months of payments would be demanded after the hurricane disaster relief period.

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

Complaint narrative:
after obtaining a copy of my current credit report i noticed a XXXX mobile phone account on my credit in collections and i did not open that account or authorize 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 2023-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Date : XX/XX/XXXX {$7700.00} I have provided Bank of America with extensive information to validate I am a victim of identity theft and that the credit card account ending in XXXX is not mine. Even though Bank of America 's investigation confirms that XXXX separate fraudulent accounts ending in XXXX, and XXXX were opened in my name and were used with the fraudulent Bank of America credit card ending in XXXX they refuse to delete and suppress the account from my record. 

Bank of America concludes that the XXXX is valid based on transactions made to the XXXX XXXX XXXX XXXX and XXXX Card, however, both of the accounts at those institutions were closed and updated accurately on my credit reports once the research revealed my information was compromised due to the XXXX XXXX XXXX and XXXX data breach which I was a victim of. Bank of America was provided with FTC and police reports confirming these findings. 

Based upon the XXXX and XX/XX/XXXX statement for the XXXX Bank of America has provided me with, a vast majority of the transaction occurred in XXXX XXXX and parts of New York I have never resided in. I have also provided Bank of America with valid proof of residency that match what is reflected on my credit reports.

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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo closed account someone deposited a check into my account i called fraud but instead i was responsible for the overdraft fees and they closed my account without doing a investigation

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 — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a customer of Wells Fargo from approx XXXX thru XXXX. 
I was overcharged for {$35.00} fees that ran into $ XXXX of dollars. 

In XXXX approx I lost my cell phone with all my banking info on it and someone used it to the point of putting me in the negative $ XXXX {$2500.00}. I talked to the bank & filed a report and they would not help me in anyway. I wasn't able to pay bills for over a month or eat etc. 

I feel very strongly that Wells Fargo took advantage of me & other customers. 

I Pray there is some way you can help 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX : account was supposed to be credited XXXX dollars for an incorrect charge. They credited XXXX instead and kept telling me it was corrected for 7 months. 

XX/XX/XXXX : I deposited {$2700.00} into my account. The cash was originally posted then taken back from my account. I attempted to call the branch and corporate on XXXX different occasions and they kept telling me I never deposited

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I attempted a mortgage modification but that increased my monthly payment. As a result we lost our home in XXXX. I am XXXX years old and that loan was predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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:
Im not sure as my account was closed several years ago, but I do know that Wells Fargo charged me multiple times on overdraft fees. Also my name is different now than it was on the account but I know that the instructions said not to provide it. So please contact 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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2023-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX XXXX Inquiries that I didn't file for

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 2023-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX XXXX Inquiries that I didn't file for

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