vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, Wells Fargo closed all of my husband and my savings & checking accounts without any notice - removing all access to our funds. As a result, we were left with no cash for a period of 2 weeks. This also caused all our outgoing monthly payments to fail and other incoming deposits to get returned. They sent us our checks 1 week later. We had to go through the process of reopening new trust accounts to deposit the checks and had to wait another 6 days for the funds to be available in our accounts due to XXXX XXXX XXXX long weekend. We were left penniless for nearly 3 weeks with little kids during this period despite having 10s of thousands in the bank accounts. 

Now, I seem to be going through this process all over again with my investment accounts. 

The bank had requested me to confirm my identification 4 weeks prior to closing the accounts. I went into their branch office and provided my passport, green card and driver 's license. They scanned it all, and even notarized it before uploading it to their systems 2 weeks before the due date. 

Following, this, I have gone into the branch at least 6 times to submit the same documents. I want to request you to take action against the irresponsible behavior of Wells Fargo that has created such hardship and inconvenience to my family and me. 

I appreciate your support in advance. 

Much thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to affirm, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Im trying to remove PMI from my mortgage. 
Im following the rules and contacted the company about I want to do mortgagee recast and I want my PMI removed based on the new valuation of the house, since the real estate market is on the rise. 
I purchase this house XXXX ago. And the value is indeed increased. 

The company initially aggreed and made me go through the process and pay XXXX non refundable fee. 
The. After going through all the process they rejected it and they said the XXXX calculation will be based on the original loan amount not based on the new validation. 

Need help as I want to do my right and removing the PMI based on the new house valuation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NC

Complaint narrative:
The account with CitiBank had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of XXXX XXXX ) to pay our bill, even though the entire stay had been prepaid through XXXX. Citi 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the Citi card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. Citi was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. Citi refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
Citi did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I sold the vehicle and paid off the loan since I was going through financial hardship. The company closed my account but left my account as delinquent. Please check that my account has no balance anymore but left my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have sent a few different disputes to this company that have yet to be responded to properly in accordance with FDCPA. Yet they continue to contact me, charge me, report deceptive and inaccurate information to my consumer report while in dispute and after written notices of being told not to.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: WA

Complaint narrative:
in 2020 I applied mortgage with Nation Lending company in XXXX Texas, Agent name : XXXX XXXX. I requested them to disclose my credit report or any other confidential information they obtained through my application. He refused. 
I asked for any type of pre-approval and he said my approvals are offer specific and asked me to have my agent call him. I felt he was not helpful and I was discriminated. Now that I am reading for my XXXX XXXX license I learned that mortgage brokers are responsible to disclose your confidential information to you as well as if they ran my credit. I would like them to provide me this information as soon as possible and I know them liable for this act. Best,

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 2022-07-19 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: NC

Complaint narrative:
Someone pretended to be an employer from XXXX. Hired me, then sent me a welcome packet which consisted of me filling out an XXXX, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts. 

I have XXXX inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, Incorrect Addresses reported on my consumer report : 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 2022-07-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went in to the branch office in XXXX Tx on the XX/XX/XXXX after finding out that my debit card was suspended and I could not log into my online bank account due to being locked out. The XXXX was about to look up my account and show me that there was multiple unauthorized transactions that were made on XX/XX/XXXX, XXXX, and XXXX. These transactions were made in New York in multiple cities while I was at work. The XXXX reached out the claims and fraud department to notify them about the suspicious activities. They stated that they would credit me the money temporarily until the investigation was done. I called a week later to find out where they were in the investigation because they took back the money out of my account that they had temporarily put in my account. They said they closed my claim case due to no proof that I was not the one who made the transactions. I went in the next day after the phone call and spoke with a representative at the branch office. They got on the phone with claims to see what the problem was. The claims department continued to discuss how there was lack of proof. I came back the next day to the branch office to show them proof that I was at work on XX/XX/XXXX, XXXX, and XXXX so they can fax it to the claims department. After a week of faxing the proof to the claims department they stated that they did not receive anything in the fax. And they are now stating they sent me a XXXX time code to my phone number and since it was sent that I am responsible for the unauthorized transactions. I explained that my phone service was hacked on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which XXXX was able to verify that I had no access to my phone number on those days. The bank continues to argue with me and give me the run around. I made a police report on XX/XX/XXXX but due to the activities happening in a different state the assigned detective to my case had to forward my case to the correct jurisdiction and has made it very complicated to get more information on the case. I lost a total of {$15000.00} I only received back {$46.00}. I was noticing that someone was trying to reset my password to my online back account prior to this happening I notified the bank XXXX but they just advised me to change my password

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
GENESIS CREDIT MANAGEMENT Are TRYING TO COLLECT {$3100.00} FROM AN ACCOUNT THAT WAS OPEN FROM IDENTITY THEFT. I REACHED OUT TO THE COMPANY EXPLAINING THAT WAS OPEN DUE IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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

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 2022-07-19 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: ND

Complaint narrative:
I sent some money to my Father on the XXXX of XXXX using Remitly, i provided all the necessary information needed to send the money. On the XXXX, I was told by Remitly that the money has been delivered. I called my father to confirm only to discover that he hasnt received the money. Its been almost a week and I have been trying to get in touch with Remitly but they keep stalling me telling me that they would resolve the issue and call me back but I havent received any call from them. I provided all the necessary information like my fathers bank statement showing he hasnt received the money. I worked so hard in the US to send money to support my father and I feel I have been scammed and cheated of my hard-earned money! Help I would like the department to help me in retrieving my money back. Its a lot of money! Over {$2000.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I alerted Citibanks wire transfer department on Friday, XX/XX/XXXX I was frauded with a wire transfer of {$6000.00} from my checking account within XXXX min from incident. Citibank didnt take recourse in time by 1/ communicating to the fraudsters bank to freeze their bank account and 2/ managing secure validation procedures for a wire transfer to be processed. The security validation for the wire transfer is the SAME for all transaction types. The fraud event happened because the fraudster tricked me into believing he worked with Citibank as a fraud XXXX to validate a {$500.00} transaction. By having my last four digits of my social and my debit card number, the money is gone. 

Due Citibanks slow response time and investigation, the funds have likely been withdrawn by the fraudster.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MN

Complaint narrative:
Mutual of Omaha has called me XXXX times today. Probably would have been more if I wouldn't have picked up the phone on the XXXX call. Many of the calls were back to back. Plus 2 different text messages. These calls were prompted by an application I filled out with a referral company for refinancing my mortgage. I should not be harassed by the same company this way. I get they want my business, but hounding me this much in one day is excessive. I feel like this is a violation of some kind of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
The same dispute as before continues unresolved, with new features. 

The bank known as M & T agreed to accept a complementary payment to take the {$510.00}, which they are holding and refusing to return to me, and add it to an amount given to me by XXXX and arranged to be applied. This check was refused and no payment was credited. 
As though it were a new idea, M & T bank sent me a letter saying to pay a DIFFERENT amount and it would be added to the {$510.00} and accepted as full payment. I sent this amount in ( {$140.00} ). They cashed the check and never made the payment. Never acknowledged receiving it and the money has gone into oblivion. Then they started harassing me by phone and applying late charges. 

I want this nonsense and incompetent and illegal banking procedure to stop at once and have all of my money returned to 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 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A scammer admitted himself to be a landlord of a house to rent and has scammed me in 2 transactions, each totaling {$500.00}. He then blocked me on XXXX ( where we had the conversation initially ) and ran away. Unfortunately, he never showed up and took the money away from me. With an existing contract, email, and XXXX information, XXXX ( the method I used to transfer the money ) should be able to make a cancellation/refund. At the very least, the receiving bank of the funds should be able to investigate the scam and refund the money to my bank account with Bank of America.

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 2022-07-19 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: TX

Complaint narrative:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MN

Complaint narrative:
My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent a few disputes to this company, which have yet to be properly investigated or responded to in accordance to FDCPA guidelines. Yet they still continue to change me fees and send inaccurate information to the CRA about this account, while in the middle of a unresolved dispute with written instructions not to do so

Company response to consumer: Closed with explanation