vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, Experian, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC 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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out an auto loan with capital one for XXXX on XXXX XXXX with my payment being a little over XXXX. The loan was for 74 months. I have paid XXXX dollars on that loan which is significantly reducing the life of the loan but I am currently dealing with a financial hardship right now and they are not Even trying to work with me on an extension or lowering my payments at all.. I put XXXX down on my car and paid XXXX on my loan so Im really trying to not lose my only vehicle for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
They close my account for no reason.

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
I have a mortgage with Land Home Financial Services since XX/XX/XXXX. I got injured on my job in XX/XX/XXXX and have been off work on XXXX since I got injured. I became delinquent on my mortgage with Land Home Financial Services in XX/XX/XXXX. I completed an application with the XXXX XXXX XXXX. at Land Home Financial Services in XX/XX/XXXX. I have called Land Home Financial Services on numerous occasions to inquire about the application status. I've been told the underwriter, XXXX and XXXX will look over my application and give me a call. I haven't received a telephone call back or any communication from Land Home Financial Services in regards to the status of the application. I submitted an application with the Illinois XXXX XXXX XXXX for a XXXX  XXXX on XX/XX/XXXX. I have called Land Home Financial Services XXXX XXXX for a letter from the Loss Mitigation Dept with the status of my application to provide to the XXXX. Land Home Financial Services has failed to provide the requested information. XXXX has given me XXXX days from XX/XX/XXXX to submit the letter from Land Home Financial Services or they will close my applicant and I will lose my house.

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 — Cashing a check
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I tried to do a mobile check deposit with a settlement check that was drawn under they're bank, Wells Fargo! The account was in good standing & the check had been verified! I still was unable to deposit this insurance check drawn under an account at 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 2023-01-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo XXXX in XXXX XXXX XXXX on XXXX. 
Overdraft charges Close account for account fee that should been reversed. 
Said I would have to pay XXXX XXXX to reopen account Online customer service staff they would reverse transaction. 
They never did.

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: TN

Complaint narrative:
On my Experian Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$490.00}, for close to 12 months now due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX  they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report is a mystery. Regarding this account on my Experian credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to XXXX regarding these inaccuracies and incompleteness but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Experian credit report ( XX/XX/2023, Report # XXXX with exhibit XXXX {$490.00} ) for this account as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine twhen this account will fall off the report. The report is also missing the Accounts Charge Off Amount and Close Date, and the Payment History is also missing key portions of data.

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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Charging us extra on our lawn even though we paid insurance up front from the company we cancelled from

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
They wouldn't accept my payments. Well Fargo kept sending the payments back. My mortgage was to far behind, had to sell my house it was about to go into foreclosure

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
False information, constant running of 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I had account with XXXX XXXX ( I am a XXXX XXXX ) Account was taken over by Citizen bank Since then I have no banking facility at all. 
Citizens card arrived I could not activate it ( No Citizens ATM in XXXX ) I telephoned US several times over months to activate card. Eventually I managed ti by pass automation and have card activated by agent in US Cost me XXXX pounds XXXX dollars for call I have no access to online banking to activate card to transfer money etc bank can not facilitate this for overseas customers In short lost my bank card and have no access to activate it Calling US Citizens bank does not recognise card number firstly Secondly can not put in social security number as I do not naturally have one In short I receive monthly paper statement to XXXX for an account that has regular monthly payment from US This is all I have Card renewed can not be activated unless I can beat automated bank call And I have emailed Bank customer service I have chosen option on call for callback I have emailed CEO twice To all of my activity above I have had no 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 — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my account after charging me ridiculous charges ending up in closing my 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 2023-01-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint previously ( # XXXX ) but Experian did not read the complaint you filed for me. Experian sent me a credit report but I WAS ASKING FOR THE DATE EXPERIAN REINSTATED MY CREDIT FREEZE. 
When I asked for the freeze to be lifted in XXXX, Experian sent me a confirmation number of # 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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Good afternoon, my name is XXXX XXXX. I have read there is a debt settlement against Wells Fargo for any auto that was repossessed between XXXX and XXXX. My vehicle was repossessed on XX/XX/XXXX. I also read I may be due a refund for full gap coverage that was paid and not refunded to me along with illegal fees added. My acct number with wells Fargo was XXXX. The rep I spoke to today ( XXXX XXXX told me he was not aware of what monies I may be due with the settlement that is currently going on. What I read, I may be due a refund of up to {$4000.00}, but not limited to that amount. My address at the time of the repossession was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La. XXXX. Can someone please contact me at XXXX once Wells Fargo has been contacted to discuss monies, I may be due. 
Thanks, 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
UNITED STATES CONGRESS states EXPERIAN is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EXPERIAN is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EXPERIAN violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. EXPERIAN is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS which they are liable for under 15 USC 1681n and 15 USC 1681o

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 — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i called capital one a couple hours ago about some authorization on my accounts..they close my account when i asked them to take the transaction off my account when i really my account

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a late payment on my account that is being reported on my credit file and I have never been late.The information including my address and spelling of my name is also incorrect.

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: NM

Complaint narrative:
My card was used unauthorized and I filed a complaint. I got some money back yet they did not refund me everything as well as overdraft fees caused because of the fraud. It was over XXXX dollars owed plus fees and I only received XXXX in one credit and XXXX in another. Then they put a XXXX credit then 2 days later took XXXX dollars. XXXXm still owed XXXX in fraudulent transactions plus over XXXX in over draft fees that were not reversed.

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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
They were charging me so my account was getting insufficient pay on it all the time that is why I left them

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 — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My wife and I deposited a very large sum into our checking account at the time of deposit we were not informed or told in any shape or form there in a couple days they would put a hold on this check it was from the sale of one of our home as a result we have NSF account being charged to my account I have vendor fee is charging me face its been nine days and they still having clear my check. Ive called seven different times to the corporate office and different support within Bmo and they have refused to correct the situation or make it right They are operating with immunity its my understanding. They have a right to put a hold on the check, but they have to inform you the violated federal rules. Can you assist me I am a senior citizen in a retired veteran. This has been very stressful for my wife and I.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was charged alock of over draft fee, that I did not think I should have been.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA - XXXX This account was closed but was reported late due to annual fees being accessed. If the account was closed, there should have been NO annual fees. I have been reported late to the credit bureaus and that is completely inaccurate. Delete this account right away.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act.This company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number XXXX 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 ( 1 ) ( A ) A prerson 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 2023-01-19 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:
The were several situations where there was unauthorized use of my account and they basically said oh well and it cost me my money and my account being charged along with me still owing a balance to Wells Fargo and my account 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made a deposit on a account I open up and they closed it and never received my money that I open it up wit h.

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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband XXXX XXXX XXXX XXXX. I contacted XXXX for loan modification a month later. Was told within 3 minutes that I was denied. They foreclosed on my home.

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