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

Complaint narrative:
Many times my account has closed because of what they thought was fraud and then froze funds when I tried to pay bills I was charged overdraft fees for not having funds in my account when they they should of 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello my car loan was under XXXX XXXX now I'm married my new last name is XXXX. I didn't call Wells Fargo because I just saw a article to contact you directly. 

I was charged a high interest rate and I was never refunded my XXXX insurance when I traded my vehicle.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Back in XXXX or XXXX I got the loan for XXXX at XXXX  % interest. Loan account number XXXX. I had paid over half the loan off and was trying to refinance for lower interest and kept getting denied After XXXX attempts I have up on it. With this same loan I've had multiple occurrences through XXXX where my auto has been shut of resulting in late fee and phone calls wondering why I'm not paying. 
My name is XXXX XXXX. I've been a customer since XXXX. I like in XXXX nebraska. I don't feel comfortable about putting any other information on this complaint.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XX/XX/2023 received 2 robo calls from Navient XXXX XXXX ; XXXX XXXX XX/XX/2023 received 2 robo calls from Navient XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 3 robo calls from Navient XXXX XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting 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 2023-01-19 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:
XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I had went to wells Fargo because at the time I banked there checking and saving and I was trying to consolidate my high credit cards and when I sat down with someone they showed me on the computer what the interest rate would be if I accepted it and it was lower than my high interest credit cards so I went on with it. I never received any paperwork at the time they told me it would be mailed to me so once I did receive it in the mail I went over it and it was not correct, it was not what I was shown to me and agreed upon. iThe interest rate in this paperwork was higher then my credit card interest I tried to talk to someone at the bank numerous times where I was told I was given paperwork and I told them no I was told it would be mailed I received no paperwork before leaving. I ended up going into the office where they treated me horrible and told me it is what it is I ended up having to file bankruptcy because of what they did. This was 7 years ago approximately.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
We refinanced our home mortgage. XXXX XXXX charged us outrageous fees to refinance it.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately 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 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had a home improvement loan for a brand new furnace and heat pump. It was for {$11000.00}, And I paid it off early and did not get a refund of my interest. My interest cost were {$3500.00}, and they did not refund the money. Can you please help 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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
I used to have two credit card accounts with another bank, XXXX XXXX XXXX, and sometime in 2022 they decided to transfer those accounts to FNBO ( First National Bank of Omaha ), without letting me know nor sending me the new cards. The accounts got transferred, and since I was not notified of this nor did I receive any new credit cards, I was not aware of this transfer and nor can I set up an online account or even make payments. There were apparently some charges that got transferred with the accounts as well, so they were somehow carrying balances when they got transferred. I couldn't nor did I know to pay them off. So, those accounts ended up showing derogatory in my credit reports, and that's the time when I finally realize that they existed. I contacted FNBO several times about this issue, right after I notice the problem, and a few times after that as well. They recognize this issue, but they say they can not do anything about my credit report. They also said that they were going to finally send me the new cards. But until this day, I still have only received one card, and the other is still missing, and I still can't make payments to that 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Account name 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 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 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 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 Account name EXPERIAN 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 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had a Wells Fargo account online. I was not able to use my card at any stores or banks. My account was hacked and I called them and they froze my account to fix the problem but it was never resolved.

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 — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I HAVING TROUBLE TO PAY THE PERSONAL LINE OF CREDIT IT STARTED IN XX/XX/22 TO THE PRESENT AND TOTAL IS XXXX AND THE PERSONAL LINE OF CREDIT THAT I BORROW IS {$100000.00} AND I AM STRUGGLE TO PAY IT OFF

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper, formerly Nationstar, unilaterally and without notice to me transferred the servicing responsibility for my loan to a new company called XXXX. 

Because I never had notice, my auto-payment for XX/XX/2022 went to Mr. Cooper. 

Now I've asked them to return the money to me, with no response. 

Meanwhile, XXXX claims I'm in default because I ostensibly didn't remit payment for the XX/XX/2022 amount. 

Additionally, and as a secondary matter, Mr. Cooper demanded additional funds monthly from me a few months back, effectively changing the monthly payment from XXXX XXXX XXXX to XXXX XXXX XXXX. No explanation was provided. 

Now apparently they've simply absconded with those funds as well! 

These guys are bad actors and a competent regulator needs to get involved. Thank you.

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: FL

Complaint narrative:
My account has been frozen or card cancelled more times than I can count. It got to the point I had to get a new card almost every month because of illegal activity or something. XXXX years ago they put a transaction through that they had already put through to years prior. I know it sounds crazy but this is the kind of stuff Ive been going through. They suspended my debit card at one point for a year. Why is my card being suspended when someone is getting in my account and Im showing you my card is in my possession. Then I have to wait on the arrival of the new card. XXXXXXXX XXXX XXXX2 I was at XXXX  XXXX XXXX trying to get a vehicle again someone got in my account. I told the rep I will change my PIN number dont cancel card. Her and I went back and fourth. XXXX XXXX left me careless and I was waiting on XXXX and XXXX still waiting on XXXX. When I got to final process of the rental car my card didnt work. The rep had closed the card. The problems and inconvenience are to numerous to count. From the fees, credit card fees, card cancellation, negative account, debit card problems, overdraft fees, and the list dont end

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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately XXXX XXXX XXXX -- XXXX XXXX

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo settlement for creating new accounts. I dont have the dates.

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

Complaint narrative:
somehow my account was hacked, and someone deposited a check from a mobile device and withdrew 2000 $ do being that the account went negative i was charged late fees as well as my paycheck that was deposited was taken for something I DID NOT DUO WHEN I CONTACTED XXXX XXXXXXXX XXXX associate hung up on me and told me there was nothing, she could do they ended up closing my account. this happened. Between the months of XXXX. 


''I no longer have access to the accounts for documentation. ''

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: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo kept increasing my mortgage payments when I was on a fixed mortgage. They raised it until I could not pay any longer and got foreclosed on in 2014

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, 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