vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello Ive been contacting Bank of America number XXXX since XX/XX/XXXX about my case I have never had any card I have my police report I faxed it 8 times this company keep misleading me with false information to where they never receive my police but yet I keep sending it to where these people telling me each time its a different name or no name on the fax at all. I reached out to the attorney general for help and light on this situation. Today I spoke with XXXXXXXX XXXX XXXX and now XXXX speaking with XXXX XXXX XXXX she telling me I need to step in the branch to verify my identity after ive been speaking with them since XX/XX/XXXX they ask you some questions and send you to what area via phone you need to reach like claims department. So now why are they giving me an issue just to see if they received the police report yet! On XX/XX/XXXX I was on the phone for XXXX hours that call was recorded and monitored since I call off my work phone. Now they transferred me to XXXX from XXXX  telling me I need to go into the branch for what I dont know I feel like these people are targeting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX XXXX XXXX has no XXXX XXXX. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.

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 2023-01-19 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX was paid and still not showing the updated correct balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Hello, Midland Mortgage Company is screwing me over! I am desperately needing help to argue that what my mortgage company is doing and has done to me is and should be illegal. I was approved for a loan modification in XXXX XXXX XXXX  which was to bring my loan completely current. But, in fact they decided to tack on a ton of fees that i shouldnt have even have happened on top of the loan that they say is past due and also the amount keeps going up instead of staying the same amount which is what the mortgage company told me it would do. They also told me that i did not have to pay that past due amount till the end of the loan, but it is on my credit and also i can not get assistance from any agencys because it shows that i have a past due amount of over XXXX XXXX XXXX right after i had been approved for a modification! After all this I wasnt even supposed to have any fees at all since the application for a loan modification was supposed to put the whole account on hold while the application was being processed so that too should have been illegal. Please help!!

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 2023-01-19 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Balance was paid and still not showing the updated correct balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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:
Wells Fargo closed my account for overdraft fees and fraudulent use

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In the middle of XXXX I was in the process of fixing and paying Carrington Mortgage Services for a XXXX  Forbearance plan. Rather than choose to refinance my mortgage ( at unfavorable terms ), I decided to make lump sum payments to correct any missed payment or anything owed due to the forbearance. 

I applied an extra lump sum payment in the amount of {$3400.00} ( XXXX times my mortgage payment ) on XX/XX/XXXX. This was automatically sent by my bank in error as I had not turned off the auto bill payer. I immediately called Carrington to attempt to get the payment reversed. They informed that this was not possible and that they would just pay my mortgage for XXXX, XXXX, XXXX with that lump sum. To me, that left a difference of {$680.00} that I would need to pay in XXXX to cover my mortgage payment. I structured that payment with my bank and had it paid automatically on XX/XX/XXXX. 

XXXX Mortgage decided to disperse these funds in an entirely different manner, paying a principal curtailment payment once on XXXX and then again on XX/XX/XXXX. These actions led to a missed payment in XX/XX/XXXX because they had used my funds in a different manner than discussed. I specifically asked the Carrington rep if any additional steps needed to be taken on my end to ensure the {$3400.00} would be distributed properly - I was told that I did not need to take any action. 

On XX/XX/XXXX I received a late notice from Carrington Mortgage that my XXXX payment had not been made despite my bank sending the finds on XX/XX/XXXX. Carrington applied that XX/XX/XXXX payment to XXXX, in error, and then also applied a {$510.00} curtailment payment. 

I spent XXXX hours on the phone on XX/XX/XXXX with some helpful reps that tried to make sense of these mistakes. In the end, I had to pay {$450.00} to bring my mortgage current and Carrington submitted a request that the curtailments be applied to XX/XX/XXXX payment in the amount of {$1000.00} thus leaving me with the {$450.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Got email supposedly from XXXX saying a charge looked to be fraudulent, did not click link in email. I signed into XXXX and a note popped up to decline charge also a phone number to call to verify. Called number and the person ended up freezing my computer and adding a XXXX account on my BofA account and sending payment of {$490.00}, I got notice on my phone of transaction questioned it and he got irate that I was checking my account on phone, before I could delete the XXXX account he transferred another {$390.00}. Reported to BofA and they did a complaint, but all they did was ask the receiving bank to return money, they declined so my request was denied.

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 2023-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
I went into forbearance during XXXX and was not able to pay on my home loan for a year ( XX/XX/XXXX- XX/XX/XXXX ). Once I was able to continue paying I informed my lender ( Cross Country Mortgage ) and they helped me with setting up a LOAN MODIFICATION. I received the paperwork in XX/XX/XXXX and immediately signed, notarized and mailed back per their instructions. As of today ( XX/XX/XXXX ) I have yet to receive a copy of my LOAN MODIFICATION AGREEMENT, I have also called my lender every day for the last four weeks asking for a copy which they have failed to produce. Today they informed me I need to contact the VA since they are the ones who have the documents I am requesting ; the VA informed me they do not have such documents and also informed me my lender never submitted any documents for a LOAN MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
2012 I had wells Fargo, multiple times my direct deposits would go in and disappear for 24hrs I would call customer service and they kept saying its normal and my funds would be available following day. As that would happen I would get overdraft fees do to no money because they would hold my money causing me to lose money all the time. As well as pulling out money I would have issues to pull money greater than {$500.00} without them putting my account on hold until I confirmed it was me. I also had a savings account which I kept loosing money due to my overdraft fee, so they would take from my savings to pay the late fees because they kept holding my checks after they were already deposited! 
I dont remember dates or money amount but it was a lot each time. As well as when I closed my account they kept charging me a maintenance fee even after I closed my account and I received multiple letters stating I owed them over {$500.00} of maintenance fees! And thats after I closed 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I keep receiving Invitations for my deceased husband to apply for a CapitalOne credit card. The company 's XXXX service is being supplied my late husband 's credit information from XXXX and XXXX. I reported my husband 's death and sent confirmation in XXXX  not only to CapitalOne when closing his account, but also to the XXXX main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from XXXX and Experian. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the XXXX main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America processed my check from XXXX for XXXX benefits, according to XXXX, and then BofA claimed that they had never received the payment. BofA wrote that they would cancel my XXXX coverage in a letter dated XX/XX/XXXX. BofA stated on the phone today ( XXXX ) that they could not track my check. They asked me to pay them again through their site- XXXX XXXX XXXX  and to call XXXX to get XXXX refund. 
I spoke with XXXX. XXXX sent proof of payment on XXXX XXXX XXXX, and stated that BofA had my funds ( {$1600.00} ). 
The reference for the transaction is XXXX, I was told. 
We filed a fraud claim at XXXX. I was told that the claim number was XXXX by XXXX XXXX. 

Thank you. 

Regards, 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 2023-01-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this complaint is on XXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all 3 bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXpital Bank SSXXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.

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 2023-01-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NY

Complaint narrative:
My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXX XXXX  XXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including SSN. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment Im very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My account was overdrawn due to money not being deducted properly

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: OR

Complaint narrative:
I setup an transfer on XX/XX/2023. On XX/XX/2023 they completed the transfer XXXX, resulting in my other bank account going negative. It is XX/XX/2023 and my Alliant Credit Union account isn't showing any funds were transferred over. I have lost a total of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2023-01-19 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account would be charged an overdraft fee and the money would be in the account. I just stopped my payroll from being directly deposited. So unhappy with the way I was treated.

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 2023-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section XXXX ( a ) ( XXXX ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the 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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
I have an account with skrill that has close to XXXX $ in it from XXXX XXXX  online and they closed my account on me and will not let me get the funds I am not able to call the company and they will not email me back

Company response to consumer: Closed with explanation