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

Complaint narrative:
Back in XXXX and XXXX money was taken out of my account which I never received back and a lot of fraudulent overdraft fees etc etc which I never received or got back but it took a lot of money from me which always kept me in the 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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was behind my mortgage I applied for the XXXX loan modification. I made my three payments and the bank for closed anyways.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Hello, my car loan with Usaa federal savings bank and always paid on time. I had autopay they cancelled due to system issue and set me up for different type of payment withdrawals by phone in XXXX for payment to be withdrawn monthly with my authorization they told me and will turn autopay back on when their system fixed. Now i received bank statements that payment for XX/XX/2022 was not withdrawn i called usaa since not heard from them at all. They said not sure what happened but yes we had you setup for payment to be withdrawn but until XXXX not XXXX. They did NOT do their part when i signed up for loan they told me USAA will do 15days CALL follow up if payment not received 15days after the Due date and second follow up will be done by phone from them 30days after the due date. Now follow up done and I was not informed auto pay not fixed and payment setup was not completed. They reported me for being late over 30days when I was NEVER noticed by phone 15days or 30days after payment due. They did not do their part and what promised to me. I had no idea my payment was due and not setup by them as promised to me by the representative that spoke to me in XXXX now ruining my credit which is always been excellent refuse to listen to the issue and accept their mistake and remove this late payment from my credit report. Please assist me! I am disputing late payment from USAA when this company did not inform me payment not setup not received and due. I always pay everything on time as my payment history shows. They admitted that they did not follow up with me by phone 15days/30days after the payment was due but refuse to remove this from my credit report. Dealing with death of loveone in XXXX was not enough now having deal with USAA not doing their job and failing to do call customer for 15days & 30days follow up notice on due payments

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed of my credit report this is not mine I did not consent to that.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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: TX

Complaint narrative:
I used to be with XXXX and some how I was charged overdrafs but I had my account set up to if I didn't have the funds nothing would go through keeping me safe from being charged So i ended up getting charged for overdrafts regardless and went from XXXX {$300.00} to owing {$300.00} plus to the bank and what's crazy I have not gotten a letter of any kind or anything on my credit so when I changed my bank to XXXX I had a hard time getting a regular Visa card I need this to be looked at because around that time I was struggling to make ends.this was around a bit when wells Fargo was cheating people and was put on the news

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 — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Purchased home around XX/XX/XXXX while I was XXXX XXXX in the United States XXXX. I used a XXXX  home loan. The home was then sold as a short sale in the year XXXX. I had a drastic decline in my finances due to getting out of the service in XXXX, and being unemployed. I contacted Wells Fargo who I sought my mortgage through and no help was offered at the beginning or end of everything I ended up losing my home to a short sale because this is what I was told would be the best outcome. I was a first time homebuyer at the age of XXXX and had no experience with this type of loan or knowledge that there was help available. The short sale destroyed my credit score significantly, which I understand why do to the short sale and any job I applied for that required a clearance required a credit check as well and since the home was on my credit report I was not able to secure a well paying job. Please be very aware before purchasing a home especially if it is your first home and beware of the business practices that Wells Fargo is known for. Do as much research as possible. If I would've been older and know and understand what I know now I would've never purchased a home at my age under my circumstances with Wells Fargo.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The Truist bank had a {$500.00} promotion for new checking account back in XX/XX/XXXX. The promotional code was XXXX. It requires " two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening '' to get the opening bonus {$500.00}. I did all requirements but did not receive the opening bonus. I contacted Truist via online chat, phone calls in XXXX and XXXX. Each time, they gave me different reasons why I did not get it, such as I'm not within their footprint, I did not applied within the required time frame, I did not use the promotional code. I contacted on XX/XX/XXXX for the last time, and their supervisor told me it is too late to add me to the promotional pool. They can't anything about it anymore. The entire promotion is a spam. I've all online chat logs and email from them to prove that I am qualified for the promotional offer, but they refused to fix the error. I am reporting to your institution as this type of bait & flip conduct is harmful to the financial health of all families in US, so it should be exposed to the public to draw attention on 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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
My loan is currently sold to Specialize Loan Services. I was struggling with making monthly payments. Loan went into foreclosure. I had to pay layer fees and much more

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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: MN

Complaint narrative:
I am a Wells Fargo checking account and I read that they are settling with account holders based on their actions regarding fees. I am filing to take part in this 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 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been having multiple issues with chase recently the biggest one is FRAUD. How chase bank handles fraud is ridiculous they dont really look into the case and quote on quote solves the issues within 5 days which to me is very little time for a fraud case. I have had a total of XXXX fraud cases for XXXX from XX/XX/2022 in the amount of XXXX, XX/XX/2022 in the amount of XXXX XXXX XX/XX/2022 in the amount of XXXX XXXX and XXXX on XX/XX/2022 in the amount of XXXX XXXX All of these were solved in 5 days which is one not enough time, XXXX they ask for more information to be sent through the mail which takes 2 days to receive so that alone is not at all fair. All of these were ruled as not fraudulent which chase has allowed XXXX to be taken from me at which I have done everything I have sent them information through the mail as they request but they say they never receive the information, I have filed multiple police reports regarding this issue and still chase will not reverse the transactions and take money which results in my account being negative. I have seen I am not the only person who banks with chase to have these issues with chase not taking fraud seriously. If needed, court will be an option as this is ridiculous. I want those transactions which is fraud to be given back to me which the total amount is XXXX for those 5 months that is all I am asking as I have cooperated and sent information it is not my fault the bank did not receive that information and doesnt allow enough time before they make a decision on a serious issue. I also want all the insufficient funds fee reversed on XX/XX/2022 as I got paid but those fees put me in the negative again XXXX $ insufficient funds fee is a ridiculous amount. You all said the limit was refused but that is not okay as you all took The total is XXXX $ even though the negative balance was paid off not I am negative again. When you all send mail XXXX dont get that mail piece until about XXXX days at which you all in that time frame close the case which is not at all fair. Please give me my money back. Thank you.

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: NY

Complaint narrative:
With a credit score of XXXX in XXXX, I bought a house in XXXX, Tennessee. I got my mortgage at Wells Fargo. in XXXX I had financial difficulties with losing my job. I had been trying to get a loan modification with Wells Fargo. they told me the process was longer than usual and to call back " next week '' I would call every Monday and I was told the same thing repeatedly. Call back 'next week '' I was told that it's in the process. After so much time went by, then I got a foreclosure notice! I lost the house I was trying desperately to save. I was put off so much that bank foreclosed on 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I would like to draw your attention to XX/XX/2022 - I sent my complaint letter to COINBASE, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter from Wells Fargo that my insurance had elapsed in XXXX. I contacted them that day and they said it was sent in error and to disregard. This same thing happened for 3 months I called and they said to disregard the letter each time. The 4th time when I contacted them again they acknowledged the previous calls but now realized it was the flood Insurance not homeowners. I said I would contact my insurance agent right away and have it put back in force which I did they then sent me a bill from the insurance company they own asking me to pay {$1600.00} for the 3 months which had already passed. I never heard of getting insurance for a period of time that had already passed. They told me each time I called that everything was fine but in a money grab they wanted me to pay the cost of a years worth of flood Insurance for 3 months lapse caused by them saying the letters were sent in error. This bank has a terrible reputation for ripping off consumers.

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: CA

Complaint narrative:
I have had overdraft fees charged to my account that have been incorrect over the years. I have closed my account. Due to this issue.

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: IL

Complaint narrative:
illegally repossessed cars and frozen bank accounts,

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scratch Services, Inc.
State: CA

Complaint narrative:
NOTIFIED OF LOAN IN DEFAULT VIA US MAIL BY SCRATCH SERVICES LLC Loan for XXXX funds under a XXXX number that is not ours Business name similar but not correct

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: NY

Complaint narrative:
Im writing with regards to the ethics and lack of transparency of Capital one. 

My current interest yield on my account is 0.3 %, even though their advertised interest rate is over 3 %. When I called to inquire about the disparity, I was told that its because my account type, XXXX XXXX, is outdated and has been discontinued. 
However, at no time was I notified or contacted by a rep to alert me that I am not receiving the typical yields due to my account product. This lack of transparency is disingenuous, bordering on unethical. 

My concern is for people who are not computer savvy or do not have the time, means or resources ( I.e, elderly, those in underserved communities ) who will be disadvantaged by their lack of disclosure. 

Something should be done about this immediately. My husband is trying to convince me not to go to the media with this, but Im having a hard time finding a reason not to.

Company response to consumer: Closed with explanation