vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo closed my old account yeasrs ago around XXXX. And never have me the funds I had over XXXX $ in the account and little by little it XXXX  beyond my knowledge and then they closed the account. I never used it. Then i opened another XXXX online and same exact thing happened for not being used.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Opened a Citi Checking account and made enhanced direct deposits totaling {$1000.00} within the first 90 days to receive a {$200.00} bonus. The promotion bonus was advertised to be sent within 30 days. 30 days has passed and I haven't received the bonus, now I'm charged a monthly fee for not having {$1500.00} or direct deposits on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Wells Fargo has denied me check deposits,, had overdrafting fees for transactions I did not know of. My information traveled to a third party in XXXX. I also became a victim of identity theft because someone else opened an Wells Fargo account in my name.

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 2023-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I placed an order online with Home Depot for a XXXX that i paid for. They told me that I could track my delivery on the app. The delivery date changed a few times. But each time they made a delivery date to be delivered I waited all day until night and my XXXX never arrived. I was calling Home Depot trying to see what was going on. When i tracked the app the last time it said my vanity was delivered which was false because I still never received my vanity and Home Depot claim that they did their own investigation showing proof that it was delivered. They only provided screenshots of tracking but no signature that anyone signed showing any proof. They didnt provide a pic of them setting the vanity by the door or nothing. There was no proof because I never received my vanity from Home Depot. This is very unfair because I paid {$1400.00} with tax for a vanity that I never received at all. I feel like I have been scammed and taken advantage of. The delivery driver had to have dropped it off at the wrong address because I never received it and I want my money back. They claim my order was accepted on XX/XX/2022. They claim the order was scheduled and delivered XX/XX/2022. Which is incorrect because I never received my merchandise or my money back. Attached to this complaint is the receipt as well as the so called investigation by Home Depot. They forget to include real proof they only send me a computer print out which is not proof. I have been scammed.

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 2023-01-22 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: AL

Complaint narrative:
I had problems for years with being constantly charged fees for funds I had applied to my account. The app or online with state XXXX thing and you bring your account current just to be told will our time is different or the app is not at the timing of what is shown on our 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 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a complaint about Transunion on the CFPB complaint portal. Transunion did not complete its investigation in 30 days and did not respond to my disputes. Transunion 's response was that they could not read my typed letters and photographed ID and address verification. 

We are now over 60 days from my original complaint, and they still have not responded or provided proof of verification.

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 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was XXXX  on XXXX. XXXX has XXXX XXXX XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few years I received a call from a collection agency " Paramount recovery " and some man told me that I owe them {$1200.00}. I explained the situation, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX XXXX from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In the past we had trouble paying mortgage and had remodified the mortgage several times paying fees that made no sense. 

On our last remodification our mortgage was sold to XXXX without notification or communication of any kind and the remodification was in the middle of the process. We struggled for months trying to do figure out what was happening and communicating with our new mortgage holder the process that we were in prior to the sale from Wells Fargo to XXXX. XXXX was minimal at best with Wells Fargo and they over all optics were that they sold it and didnt care about our process or finances. Things have leveled out and were on track with the new mortgage holder ( XXXX ) but the stress was intense at that time. I would love for someone to investigate unexplained/unexpected fees and determine if Wells Fargo XXXX XXXX nefarious in their process. I felt burned and it left a bad impression on their ways of business. Other friends have also picked up on their reputation and their business model and want nothing to do with them. XXXX glad I know longer have a mortgage with them but left feeling defrauded and uncertain about the money I was paying and being charged. 

Thanks for your time 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Fees all the time, account being negative for bills or other transactions

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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Debt was paid off and is incorrect balance. I would like to see full proof of the account and balance being owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
Constant fees for overdraft when money was available

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2020 I had XXXX removed from account with no cause and they closed my account without telling me why. A lot of transactions was going on with my account and I received txts asking if I was the one making the transactions I said no and they went and proceed anyways.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Account closed with money in it, also kept contacting bank & other company about money coming out of my account without authorization & after subscriptions were canceled/closed. My credit history has been affected because of that as well. I now only have 1 Bank account with wells fargo, my business banking & savings were 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 2023-01-22 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

In line with the FCRA 605-b, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity 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 non-monetary relief
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

In line with the FCRA XXXX, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I began to receive phone calls from a company called Medicredit , Inc. regarding medical debts they claimed I owed them. To the best of my knowledge, I have never had a relationship with or received services from them. In addition, I never received a letter from Medicredit notifying me of the debt and did not have the chance to dispute it prior to receiving the phone solicitations. 

On or about XX/XX/XXXX, I began receiving letters claiming the same debts. I immediately responded with a " debt validation letter '' requesting that they provide all of the correspondence they believe they have sent to me along with the name and the address of the original creditor and supporting invoices. The letter explicitly including a request that Medicredit not contact me by phone and conduct all communication in writing. 

I have continued to receive phone calls from Medicredit despite this request ( the latest being XX/XX/XXXX ). I have also not received the written validation of the alleged debt. This is likely because they are attempting to collect amounts above what were negotiated and paid by my insurance company. According to my insurance company, the negotiated claim amounts have been paid in full and I owe nothing. 

Since Medicredit is unlikely to prevail in any claim against me, I believe they are hoping to intimidate me into payment by violating the provisions of the FCRA related to allowable methods of contact and providing proper validation of any alleged debts within a reasonable time. I request that Medicredit cease all improper collection efforts and that their business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2017, I was doing a modification with Ditech financial. I summited all proof of documents that the mortgage company required for the modification and even they have all court documents regarding with my divorce. I explained my situation and after of this process, I did payments as tryouts for 5 months and later said yes you qualified. 
But I was waiting for a later and how much I have to pay every month and I never got it. I been in a fraud, only they took my money without any answer. I did all human possible to keep my property and they only played with my situation. It is not legal even fair, I was all the time able to do my payments without answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} XXXX XXXX  has stolen my Identity and created securities in my name with out my consent.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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  has stolen my Identity and created securities in my name with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
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  has stolen my Identity and created securities in my name with out my consent.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Have issues with Wells Fargo with my mortagage payments whereby they misplaced my payment and ended up with late fees around XXXX, and also frequency have excessive overdrawn fees from late processing transaction. 
Therefore, I 'am a victim of " erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans from XXXX to now, as which makes me a victim of finical discrimination and systematic racism facing people 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 explanation
Consumer complaint received 2023-01-22 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 Checking Account and XXXX Account were wrongfully Charges and Closed without explanation. Nor did I get the chance to fix any issues at hand. I had over {$500.00} in my XXXX Account and XXXX in my Checking. They were all charged and put into the Negative which resulted in my account being closed. I never did go over in my bank nor did I close it. I was never given an explanation or a chance to fix the issue. I been having problems ever since. I just want my money back that was wrongfully took from 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 2023-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : This matter is in regards to an unknown amount of money that this debt collector wants me to pay. I do not recognize where this amount comes from, and I have no knowledge of it. This Debt collector is braking Federal Laws in regards to impose to collect something that does not belongs to me. I will need legal information on this unknown matter. Trying to collect money from me, and I have no knowledge of this unknown debt. Also the name on this letter dated, XX/XX/2023, does not match my legal name. This debt collector writes a big amount of money to be paid to them. I can not pay anything to some body that is trying to collect money that I do not owe. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours XXXX XXXX

Company response to consumer: Closed with non-monetary relief