vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX in the evening I began receiving emails that an account was being applied for through Bank of America. 

This was followed by a confirmation of a new account and several emails about changes in contact information. 

I noticed this around XXXX as I was going to bed. When I googled the phone number from the emails, I found a lot of reports of it being a scam and a couple of reports of it being legitimate. 

First thing in the morning on XX/XX/XXXX, I called Bank of America through a number I had searched myself and discovered that someone had opened an account in my name the previous night and that the account couldn't be immediately closed because the individual also made a XXXX transaction. 

Bank of America notified me that if there is activity on an account then they have to investigate before they can close it and it could take up to 90 days to get a decision on whether it was opened without my knowledge ( which it was ). 

On the XXXX of this month, someone charged {$450.00} to my XXXX Bank XXXX XXXX card. I reported the fraud and it is being investigated. I didn't report this because I thought someone had just found my login credentials. However, now I am worried that these are related. 

The merchandise ordered fraudulently through XXXX XXXX  was shipped under my husband 's name to the following address : XXXX XXXX XXXX, XXXX XXXX, CA, 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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the 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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I opened and online checking account on XX/XX/2022 with Wells Fargo. 
I've have a XXXX  account where my direct deposit from my job with USPS goes to, so I connected the XXXX  account to the Wells Fargo account using plaid. 
It went through and I made a transfer. 
I also had my XXXX drop shipping account attached to my Wells Fargo account. 
Wells Fargo kept taking {$9.00} from the account every month for " handling fees ''. 
I soon got a notification that my account was going to be closed. 
I also had my Wells Fargo account connected to my Uphold XXXX account which I set up to receive my earnings from XXXX. 
Wells Fargo ended up closing my account stating that their was ID theft when I had not reported such. 
They told me only that I could reopen the account and didn't give me details on why it was closed. 
I spoke to a representative at the time before it closed to stop it from being closed and she said that she knew why but couldn't disclose to me why it was being 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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-01-20 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: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX  filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the 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: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My accounts were always off and when I reported them to Wells Fargo it was always some kind of fee I was made to pay or the incorrection was on my end. I was charged fees from XXXX XXXX XXXX  which is what made me switch banks.

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: TX

Complaint narrative:
I was sent a letter from WF saying my account was negative for a bad check but like I told the reps I spoke to about this that I didn't cash or deposit any checks and wasn't going to pay for something j didn't do eventually WF just stopped reaching out or returning my calls and 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 2023-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have a store credit with XXXX XXXX XXXX which is thru Wells Fargo. If I would have known before applied wouldn't have done it. I am a going paying customer. My bill is due on the XXXXbof every month. I received a billed stating that I have a {$29.00} fee which I didn't understand. I called customer service and stayed my issue. Customer service representative stated yes I was a good paying customer and she couldn't help as well as her supervisor. I was told and quote " Go to the bank and ask them to take it off. I was shocked and it was documented on my call either written or recorded. The bank stated she knew better than to tell me that. I have decided once I pay off this bill with the furniture store I will probably get rid of this account. Wells Fargo doesn't work 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 monetary relief
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: Credit Karma, LLC
State: NC

Complaint narrative:
Credit karma closed my checking account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I mailed a payment to Capital One in the amount of {$110.00}. within a matter of days on XX/XX/XXXX, I mailed a final payment to Capital One in the amount of XXXX, this amount represented to final balance due to Capital One. 

In checking with their automated system, it indicated on XX/XX/XXXX, I had no balance. I received a statement which indicated that they are XXXX for interest for XX/XX/XXXX. 

I called Capital Once and asked for a credit of the amount that they are charging for interest that didn't occur, the Supervisor indicated that she could careless she would not reverse the charge. 

My position, who can they charge me for interest that when I paid the full balance off. I am requesting that the {$29.00} should be refunded to this writer.

Company response to consumer: Closed with monetary relief
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: FL

Complaint narrative:
Had direct deposit to my account but Wells Fargo withheld deposit and cashed out payments before release my deposit. Creating a over draft. They done this many many times

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: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I called PennyMac to request that I would like to remove the escrow account. The representative on the phone noted to me that it would be removed within 30 days, which is before my property taxes are due. I followed up with a question regarding who will be responsible for making the XXXX property tax payments due on XX/XX/XXXX. PennyMac informed me that I would be responsible for making the payments, so I did so on XX/XX/XXXX. I have not received my escrow refund, so I decided to call PennyMac today, on XX/XX/XXXX. PennyMac informed me that they did in fact make the property tax payment, which is contrary to the guidance I received in XXXX of XXXX. Due to PennyMac 's error, my escrow balance is currently negative and I will have to wait for a refund from the XXXX XXXX XXXX XXXX Treasury Department, which is notoriously slow and quite inconvenient, especially considering the amount in question. The taxes that PennyMac mistakenly paid were {$6700.00}. 

I was expecting an escrow refund of {$4600.00}. Due to PennyMac 's error, I now owe PennyMac {$2000.00} and have to wait for a refund of {$6700.00} from the XXXX XXXX XXXX XXXX Treasury Department.

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: FL

Complaint narrative:
I was having trouble with withdrawals that I did not make.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/ after being Wells Fargo customer for over 20 years I applied for a business credit card as I recently incorporated my small business. 

Having 20 yr history with Wells Fargo and always have solud account history I applied for business credit card. Having great credit History solid income and XXXX in 800s I was denied. 
When I called I was not given a valid reason why I was denied. I never got a response to my credit card application. I had to call back several times

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 — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Trying to lower my payments with them and they told me that they can't do it then I called to get my routing number change and they told me that they can not change My account number all change and they told me they can not do 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 — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We were in the process of a shortsale and it was being approved by Wells Fargo but then it was foreclosed unexpectedly.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My loans were transferred to Mohela from Fed Loan servicing. On XX/XX/XXXX I submitted an XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. After waiting XXXX months Mohela marked this form incorrectly as a duplicate. 

On XX/XX/XXXX I called and spoke with the XXXX She gets back on the phone and states oh there are XXXX payments missing I sent a request to have them applied. I responded there are XXXX  years of payments missing. Her response was oh I made a mistake. It has now been sent back to review with another XXXX  day time frame. 

Mohela is mishandling forms left and right. I should be at XXXX necessary payments and my loans should be in the process of PSLF forgiveness. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Closed account and charged fees and sold account for harassment from collectors and reported on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

Credit Systems popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.

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 fees charged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Issues with extra interest and money added

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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: CITIBANK, N.A.
State: VA

Complaint narrative:
According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by Citicards CBNA from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.

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: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a long time customer of Wells Fargo Bank. On several occasions I was charged checking account maintenance fees when I was told the account was free. When I inquired about the fees I was convinced to open an additional account with them to avoid monthly fees. I did this for several years before I went in and consolidated my 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: 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I currently have three mortgages that are being serviced by Loancare. I have repeatedly asked them to rerun my escrow accounts after they paid my taxes because my taxes were lowered. My escrow accts have too much money in them and two off My payments should have been lowered. One payment was lowered, one was increased the last one wasnt completed. It wasnt notified of any of the changes.

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

Complaint narrative:
I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.

Company response to consumer: Closed with explanation