vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I recently changed names. I contacted Citibank customer service to get the change processeed, and was asked to snail mail a copy of the court order. I do so, and got a email confirmation saying my name had been changed. 

When I log into the account service center website, my old name kept coming up. I contacted Citibank customer service, spoke with someone with very broken English, and she was not able to get this sorted out. She wanted me to send the court order back in the mail again, despite me getting a confirmation that the change had been made. I told her it would be easiest to likely close the account. She asked me if I wanted to close the account and I said yes, but I wanted to change my address first. I told her I would call back another time to close it out. 

Around XXXX minutes after we disconnected, I got an email from Citibank saying my account had been closed. When I got the email on my phone, I called them back and stated that I did not authorize the account to be closed, was not read any disclosures or terms to close the account, and would like the action reversed. Nothing has happened yet. 

My credit scores are nearly 800. I had this account for several years and if its closed, it'll lower the average age of my credit history, thus lowering my credit score.

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Getting charged overdraft fee, when money was in the account a day before. 
Enough money is there to cover transaction, next day they say that there was not enough to cover the transaction.

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 prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am intrested in disputing all invalid information that is hindering my credit report with transunion.

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

Complaint narrative:
I was over charged on my account around 2011 and just received and email to refile claim because money is owed

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 — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent Deposited my money. Traveled to New York assets frozen, despite doing everything to avoid this .... Including reporting going on vacation XXXX. 

At check in of hotel, my funds were frozen and unable to get my family a room. It caused us to purchase plane tickets back home prematurely because we were stranded with no money, despite the account have ample enough money in the 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: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Constantly being harassed by employees about a loan that is not mine!

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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/2022, I purchased clothes for amount {$59.00} from XXXX XXXX in XXXX, MD. by signed up for a new credit card, But I didn't receive the bill and the Credit card until XX/XX/2022, I paid the said amount {$59.00} plus the late fees and interest charged total amount {$93.00}. 
In XXXX and XX/XX/2022 I received other bills for interest charged although I paid the full amount, So I decided to close the said credit card account and spoke with the Supervisor on XX/XX/2022, she promised that she refund late fees because I didn't receive the bill and Credit card until XX/XX/2022. 
Unfortunately, I surprised that they reported late payment for 02 months so that damaged my Credit score at the time of Mortgage applied to buy a home for my family, So kindly I ask you to take further action to repair my credit score,,,!!!!!!! 

Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX Maryland XXXX XXXX.

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: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Account has been freezed several times in the past from Wells Fargo thinking fraudulent transactions on the account but was not fraudulent at the time. And a lot of my payments were late and more fees charged to my account 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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We believe that we are entitled to money from the settlement from Wells Fargo. We were working with them at the time trying to complete a short sale to avoid foreclosure. We had submitted our paperwork multiple time and they kept losing the paper work. We were working with a real estate agent that was trying to help us and can verify that we provided all the documentation needed. The XXXX sale was in XX/XX/XXXX of XXXX after fighting with them for roughly XXXX years. We had a gotten a relator to help in XXXX of XXXX to help with paper work. Before that we tried working with them directly in XXXX and XXXX of that year. We tried to work something out but they neglected to include our child care expenses in their calculations and denied the modification then. XX/XX/XXXX around XXXX central I attempted to call to work with them to get our claim filed and to no surprise they are not able to find our account in the system for some reason. I gave them my loan information that we had on our paperwork. They then tried to keep passing me back and forth from one department to the next. I feel like they are trying to avoid helping us. Because of that foreclosure it took us a long time and work to get our credit back up. We had tried working with them multiple times and if felt like they weren't even trying or they kept having computer glitches. Our relator even wrote to our representative and received a response as they were appalled by their actions. They wasted our time for over XXXX years and falsely stated that we never turned in documentation and now they cant even find my old loan information in their system. Below is the article that our relator sent to me so i can seek our part of the settlement. https : 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
An unknown individual obtained a credit card with FNB Omaha using a fraudulent ID card with my information and the suspects picture on it. Subsequently over {$14000.00} worth of fraudulent transactions were made. I alerted FNB Omaha of the fraud and filed a police report. FNB Omaha did not remove the fraudulent account from 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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: Experian Information Solutions Inc.
State: MO

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

Complaint narrative:
My partner and I bought a house in 2005 and financed thru Wells Fargo. They advised us to skip several payments to be eligible for any kind of loan modification, this pushing us closer to foreclosure than to get the loan payments. The house was eventually sold as a short sale and our credit was shot. We found out later that Wells Fargo had numerous law suits for fraudulent mortgage related charges. Was told I needed to file complaint to join the thousands of others that Wells Fargo has to settle out with. I do not have the Account # for our loan, but Im sure the address of the property could be used along with my name. Property address is XXXX XXXX XXXX, XXXX, TX 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 — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX wire transfer in the amount of {$1200.00} from XXXX XXXX accounts. However, our records do show a member-to-member transfer on XXXX XX/XX/XXXX in the amount of {$1200.00} that was initiated by our member via telephone. Should XXXX XXXX That was what navy fed I called my money was gone XXXX balance which I was incarcerated XXXX and XXXX XXXX too XXXX dollar and XXXX XXXX my credit card was charge as well and Im a victim of theft I have a police report case # XXXX a victim is a victim and when I tried to get my account restored and recover they denied replacing my XXXX check from a person I dont know who stolen my fund and charging my credit card leaving a balance

Company public response: Company believes it acted appropriately as authorized by contract or law
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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My Bank account was closed after someone hacked it and funds were taken and my account was locked

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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a mortgage with Wells Fargo and prior to refinancing the mortgage, I had numerous erroneous late fees charged and I did file complaint while I was an employee for fear retaliation. The mortgage was refinanced in 2021 and I paid over a thousand dollar in erroneous late fees. I am requesting this to be refunded as I heard about the recent news regarding this matter.

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 — Late or other fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Every month they were charging me a XXXX dollar fee, when the account was free from 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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well I've try to speak to a representative about why they close my account without notifying me. The banker had told me they can close the account but I still had money in the account now they are saying, I can't get any of my money back

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: CA

Complaint narrative:
My account was closed due to an check cashed that I didn't know was a bad check.

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: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
had a car loan was charged for insurance that I had in effect. Wells Fargo said I didn't

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: MD

Complaint narrative:
Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 having a hard time with Mortgage due to medical reasons. I tried to do loan modification and was denied. So stressful and disappointing especially while dealing w health issues. I had to file for bankruptcy in order not to lose my property.

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