vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
Score Decrease Your XXXX  Score has decreased by XXXX points. 
XX/XX/2023 Bank XXXX Credit Card Inquiry FNB OMAHA got a copy of your XXXX Credit Report. 
XX/XX/2023 They sent me a Pre-Qualification then denied me. I told them on the returned application they sent me that for denying me after sending me a pre-qual that you had better not have done a HARD pull and my score best not go down. Well both did, the score went down and theres a hard pull that will be there for 2 years. This needs to come off of my credit report. They have denied me with there own PRE Qual. I would have never applied if I had known they were going to XXXX XXXX XXXX. This was the 2nd time they had done this to me. I only apply to pre-quailfied credit cards and never have a problem. My score was XXXX before they dropped me down and put a HARD PULL that will be there for 2 years after getting denied ... .THATS WRONG! please help thanks

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA '' and is located in XXXX XXXXXXXX, Tx and I live in XXXX, Tx over XXXX hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXXXXXX, has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
XXXX has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Had a mortgage loan with Wells Fargo. I got a letter from them stating that my payment hadn't been paid for several months. They were starting foreclosure on my home. I got my records for a year my payments were never late or even in the grace period. At that time they wanted it paid in full. So I started the process to have it refinanced at another bank. At the time I had five years to pay for 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
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had went in to the Wells Fargo Bank in had put a check in my account and 2 days later the bank takes the check in say we sorry the check was not real. Did not give me the check back or anything. {$4000.00} Dollars from a business.

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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I opened a checking and savings with Chime after I saw they were advertising they offer Free OD Protection called XXXX XXXX. Then later they declined two transactions at different times that were well under the {$20.00} they supposedly allow you for OD fees!! I called and shut both accounts down today due to their false advertisements. I wont do business with liars and deceivers! And the banks wonder why no one uses them!!! After I requested the accounts be closed and both have 0 balances and there are no outstanding payments XXXX the chat rep took forever to do what I asked intentionally dragging all out then sending the attached texts. Then Im the end said they would be closed in XXXX days!! Then sent this email making it look as if THEY had reviewed and closed my account to try to make me look bad and avoid accountability for their false advertisement and lousy service and products!! I want the accounts closed NOW and I want you, the FTC and IL Attorney General to go after them and fine and shut them down g go or false advertisement and not closing my accounts timely!! I used to be a Personal Banker and know what the process if closing an account involves, it is the click of a button, they are just trying to hang onto the accounts!! I am SICK of the crooks in this country as ALL are getting away with their deceit and taking advantage of all of us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo provided mortgage to me and has not sent the settlement amount to me nor has made any attempt to contact me. I had a mortgage during that stated period of time that applies.

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 — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I'm a conventional mortgage holder with Wells Fargo. They informed me through the time I had the mortgage that I had to make Escrow payments when their was already enough money in the escrow account to cover taxes and insurance. The amounts were well over the added taxes and insurance increases. In XXXX the taxes went down and they wanted more money in the escrow. 

Thank you. 
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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had had receive a loan from small business dept and the money was deposited there and because I withdraw a large amount of money they close me and my wife 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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Roundpoint is reporting a 30-day late on mine and my wife 's credit report. This needs to be removed as I was coming out of bankruptcy at the time of my servicing transfer, and I was not contacted regarding being a payment in arrears following the bankruptcy release. I contacted my previous servicer and trustee ; all payments were accounted for, but the loan was due for XX/XX/22. During the RESPA period with Roundpoint, I was never contacted or advised that a payment was needed. I have made all payments according to the plan and kept in communication throughout the bankruptcy, and I should not be responsible for the lack of communication from the new servicer. Since the transfer I have made all monthly mortgage payments.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I had a account at Wells Fargo and I think they changed extra funds out 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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my house by Foreclosure for XXXX. I was married with XXXX XXXX and we got divorce. He didn't want to make the payments and he was the one who have SS. 
I have to leave the house with a child to rent an apartment since that happened I struggle every single day until today. The Address of the house XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My account in Wells Fargo XXXX Alsi I used to pay a Loan of my car with the same bank. Wells Fargo. 
My phone XXXX Email XXXX 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a Wells Fargo customer, ( XXXX ) and they continuously overcharged 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 2023-01-20 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:
I had a bank with Wells Fargo and was having unfair amounts taken out

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In early XXXX, Chase Bank closed four accounts that I had for many years without notifying me. I was humiliated when in line to pay at a store, and was then asked to call my bank. Thats when I found out. It has been almost two months now, and I still have not received the remaining funds from one of the accounts they closed, in the amount of {$950.00}. I have tried over thirty times to contact the bank and escalate the call, to no avail. This is causing me great distress and frustration on a daily basis, and I need the funds. The branch can not help me because corporate is in control of this situation. Nobody at Chase will help me. They mailed out the funds once and they were returned ( so they say ), and were supposed to reissue another check, but have not. They also will not send it with tracking info ( via overnight mail ) as I requested. Seems silly to use regular mail with funds over a certain amount. 

Note - the account number I provide here is the main business account, as I no longer have access to see the other business account to which this claim is being made. Chase can locate it under the main business account, but it was for the other one. I only memorized the account number of the one provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I dont was made aware of Wells Fargo settlement but no one notified me from 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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. 
All I see is XXXX changes for this action. 

XXXX XXXX services account balance increased by {$55.00}. 
XXXX XXXX increased by {$2400.00}. 

I can't see my score dropping XXXX points for this. 
The other XXXX XXXX score drop XXXX points not XXXX. 

I want a re-evaluation of my score. 
I think this is wrong.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been a customer of Wells Fargo for almost 9 years and I am owed damages due to Wells Fargo incorrectly charged overdraft fees on debit and ATM withdrawals over the 9 years. 

As recently as this week, I have been wrongfully charged overdraft fees and charges are being approved that should not be. I have asked the bank over and over and over again not to approve charges when there are insufficient funds and I have signed the paperwork to do so, yet Wells Fargo continues to approve charges when my account does not have the funds to cover the charges and then they charge me {$35.00} for their error. I am currently XXXX most of which is late charges for purchases that should have been denied based on the terms of my account and the paperwork I have signed! 

In addition, over the past 3 months, I have attempted to close my account on several occasions and was told I could not do that without coming in to a bank in person. When I went into a bank in person, they told me I could not close the account for 30 days and that they would not be able to close it until I stopped all automatic payments. I wanted to withdraw my money and close the account. they would not let me and now again my balance is negative and I have been charged late fees I would like to receive the damages owed to me as part of the recent Wells Fargo settlement and I would also like my account closed immediately. This is illegal and unethical and a massive disruption to my financial security.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been reporting fraudulent charges to Commenity Bank on my BJs credit card for 4 times over a month and they just keep ignoring it and not doing anytihng about it. They did send me a new card in the mail but they are not addressing the fraudulent charges from XXXX XXXX XXXX Games. They are completely unresponsive. They just keep transferring me around and ignoring my private email messages. 

Clearly their customer service is lousy but I still need this error corrected on my statements. 

I have reported 4 times already. Please ask them for a person to fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The private school loan was did on a computer. There was no paper work to sign. Is this legal in the state of North Carolina. I am claimed to be the co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CO

Complaint narrative:
Hello, I feel they keep taking unnecessary amounts out of my account or double charging for something but it only showing one charge.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX I had a checking account through Wells Fargo my account was frozen on a daily bases even when I used it at the same places. Once I went to XXXX and found out my account was again frozen during the middle of my trip. I had a few incidents when my account was over drawn from companies when I told them it was a subscription or membership was canceled

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Charged overdraft fees in the past when there were ample funds in the account or a deposit was made in time.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
BETWEEN XXXX AND XXXX I HAD ACCOUNT WITH WELLS FARGO I LOST MY ACCOUNT I WAS NOT TREATED RIGHT AFTER SPEAKING WITH SEVERAL MANAGERS. 

I FEEL I AM OWED MONIES

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX case of which they never informed me of.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Im not sure of the dates, but I know it was between XXXX and XXXX I had Wells Fargo Checking with my wife XXXX XXXX XXXX and we have not received any compensation for the overdraft fees and illegal things they did to our account. 

We also had an automobile that ended up being repossessed by them, but again Im not sure of the dates, but Wells Fargo should have them. 
Again we have never been contacted by the company.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/22 we received a notice from Chase Bank that a check had bounced from one of our business accounts. It was not a check or an amount we recognized. When we reviewed our accounts we noticed that this check did not match our records and in addition, the previous check number had had the amount and payee altered. We reported this to Chase on XX/XX/22 and they opened a fraud investigation. We also reported it to the XXXX since it appears the check was stolen in from the mail. 

Since then we have struggled with Chase to get this matter resolved. In the 3 months since we reported the fraud we have only received one correspondence from them and even that was a set of documents that we had to request twice. We have faxed supporting documents only to have them lost on two occasions. And twice we have had our claim closed because the bank was waiting for documents that had been sent and lost and we were never informed that the documents hadn't been received or that the claim was being closed. And finally, we had our claim closed because the bank was waiting for an additional document, but we were never informed of this and only found out when we called to check on the status of the claim. As far as we can tell in 3 months has made no or minimal effort to resolve the claim or to keep us informed of the progress ( or lack thereof ) on the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NJ

Complaint narrative:
I have an account with XXXX capital that is not reporting on my Equifax credit report that should be reporting. There are XXXX accounts XXXX reporting XXXX and XXXX that is supposed to be reporting XXXX. The XXXX account is currently not reporting in Equifax only but is reporting on the other CRAs I will provide the account number below for the account that is not reporting but should be I have tried to fix this on both ends I was given a. Letter from credit strong the furnishers of the account to help the situation XXXX XXXX XXXX XXXX XXXX  should be reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: AZ

Complaint narrative:
I had account for XXXX years an think I was paying twice for every transaction I was making an I always asked why I always had overdraft fees

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