vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SC

Complaint narrative:
Wells Fargo cheated me out if money when I banked with 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 2023-01-20 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: SC

Complaint narrative:
Wells Fargo charged me over {$3000.00} in over draft fees on an account I declined over draft privileges on. I have spent countless hours on the phone and at bank branches for months trying to solve the problem. They refunded {$1800.00} approx. and 2 employees stated I would get the rest back. Once it went up the chain I was told I was lucky I got that back and they would not refund anymore. They caused me many missed hours at work between the phone calls and branch visits. I want all my over draft fees refunded.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied with USAA and multiple other loan providers for a personal line of credit. The loan needed to be approved, and I chose a different lender. My credit report reflects a perpetual inquiry of my credit by USAA from the date of the investigation, XX/XX/XXXX, until XX/XX/XXXX, adversely affecting my credit report. I did not consent to my credit being pulled beyond the initial inquiry date in XX/XX/XXXX. In XXXX I contacted USAA multiple times, asking for this error to be corrected. USAA has failed to contact me and address my concerns and did not notify me in writing of the process that was taking place, nor did they forward appeal policies and procedures that I am entitled to as a consumer. None of the other lenders I applied for credit within XXXX left an inquiry on my report until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XXXX  I mortgage a {$200000.00} home with Wells Fargo, paid my home off within 5 years. I then later refinanced the same home for {$80000.00} in order to buy a second dwelling but then later sold that dwelling. Which the year would of been appox XXXX. I paid approximately {$30000.00} towards the refinanced loan leaving {$50000.00}. My monthly payments started out at {$800.00}. The next year it went up to {$900.00} we called asking them why wells Fargo claimed I didn't have enough equality. So I said fine and went on. The year after that it went up to {$1100.00}. Called back asking why and again they claimed not enough equality. Said fine and went on. The next year went up again {$1200.00}, again the next year XXXX, we kept calling asking what is the deal and they kept claiming the same thing. Not seeing any choice in the matter I just continued to pay it. Seeing that of course they would tell me if I didn't pay it they would send out foreclosure. My payment would go up {$100.00} a year for the next 10 years until I was basically broke and had to sell and move because I received a letter in the mail claiming my payment would go up yet again at the start of the next year making it {$1700.00} a month. I didn't know much about it so therefore I just seen that I couldn't afford it any longer and gave up my home to move into an apartment because it was cheaper. They refused to help me any nor explain to me any reason why it was happening except for I didn't have enough equality. At that time I was approx in my XXXX so I didn't have the patients and I figure they were doing me wrong but I didn't have the money to hire a lawyer and I wasn't about to waste my last precious years on them. But I know what they were doing was 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX  I reported to XXXX XXXX police department about fraudulent charges charged to my XXXX XXXX consumer credit card account in which I had no knowledge of or given permission to do. At those times I had my credit card in my possession. Caes # XXXX. Identity fraud XXXX. Ive reported this to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX phone # XXXX # XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Debt amount {$6600.00}. Debt account # XXXX after contacting each business I was contacted each time with account verified with just the account information with every charge and closed after reports of police fraudulent charges I didnt approve or not aware of reported. These charges where made on or before 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with experian.

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: SC

Complaint narrative:
I called in Abt my XXXX check I received and didn't cash. I called u guys bck and informed u tht I didn't cash it. And y'all said tht you send me another check out and I haven't received it yet. And it's been 5 months now

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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The account balance is wrong across all three reports. Please remove inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX - A client gave a check that had misinformation for a marketing service that was then put on hold from Bank Of America XXXX Bank of America without notification via email text, or call abruptly closed the account on XXXX. XXXX without communication. I discover the account was closed was after I was unable to log into the mobile app and i was unable to access the money in my checking account. 

On XX/XX/XXXX, I spoke with a representative for Bank Of America expressing my inability to access my account and I was made aware that my account was closed due to an invalid check. 

The representative of Bank Of America told me that Bank of america would sent a cashiers check of the remaining account balance to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, on XXXX XXXX. ( Personal account : {$1900.00} Savings account : {$11000.00} ) After 60 days of not receiving a check, I contacted Bank Of America, and a rep made me aware the check was delivered to the wrong address and that she would reissue the check to the correct address through Ups. After 30 days of not receiving the cashier check, I contacted Bank Of America Again, and they made me aware the checks were never sent because they were already cashed.The client risk department transferred to the fraud department, and a case was made for the investigation to understand why a check was cashed in my name. I was told they would investigate the matter, which could take another 30-60 days. 

My account was abburelty shut down and I have not been able to access money that belongs to me after trusting bank of america with my hard earned money. It has been almost 4 months since i have been able to access the money that was in the account after bank of america abruptly closed my account. This has left me with no money to pay my bills, resulting in a eviction, a repossession and dramatic increase of my credit score because i had over XXXX stolen from me from bank of america. I need the problem solved immediately because this has caused me to lose everything i have due to their immoral business practices.

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

Complaint narrative:
I can't remember date XXXX went on credit and was getting unnecessary charges

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: 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: TX

Complaint narrative:
Equifax and XXXX are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all XXXX credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that Equifax or XXXX conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. XXXX also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that Equifax and XXXX follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit report.

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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion still has XXXX former or non associated phone numbers on my 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Well when I had Wells Fargo back in XXXX  I had a lot of problems like, questionable fees that they couldnt give me answers about, somehow over time like XXXX dollars of my money just disappeared and the only thing that they could tell me that they was working on it, and I never got a response. So I end up closing my account cause they tell me that I had owed them money, when they took all the money 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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
They doesn't wan na give me a defer in payment or help me with any other options to keep the car except to pay the arrears and by that time the car was already at impound. At that time they said they tried to reach me numerous times at a number I no longer had and an apartment I got evicted 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 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sold my house in XXXX California in XXXX. I had a loan for XXXX to fix my home and sell it. I paid everything off. The loan on my house and the additional loan. XXXX XXXX XXXX XXXX XXXXXXXX but my Aunt received a bill for XXXX. I couldn't do anything because I was XXXX Wells Fargo ruined my credit. Not until XXXX has my credit been restored. I paid everything off. Then get a bill for 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a mortgage with Wells Fargo from XXXX to XXXX. My wife died 4 months after closing. There was an ARM at 7 years that ballooned the payment beyond what I could manage. I made several attempts to refinance at a lower interest rate and was declined each time. I requested assistance to solve it and they said I didnforeclosure. I got behind on payments and they quit accepting money although I was trying in every way to keep paying. I applied for a short sale and simultaneously was accepted and submitted for forclosure. I spent 2 years fighting the foreclosure while pursuing the sale. In the end, I was able to accomplish the short sale 1 month before official foreclosure occurred. They did write off {$400000.00} loss on the home as it had greatly lost value after XXXX. I went through XXXX, got divorced and XXXX near went crazy trying to solve this. I believe they should be made to co.pensate me for that pain and suffering.

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: MS

Complaint narrative:
Some one got into my account and took my money on multiply occasions and the bank never refunded my money and never tried to contact me about it

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: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been a customer of Wells Fargo for many years I currently have a checking account and my mortgage with them. I had a credit card with them in the past. I saw an article that customers may be entitled to monies owed to them. How do I know if I qualify?

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

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: Block, Inc.
State: DE

Complaint narrative:
XXXX took money from my account {$34.00}. I returned the item via XXXX and was told I would receive a refund by the XXXX. I still have yet to receive the refund. Not only that, XXXX took {$230.00} and said they would put it back and refund but have not. When requesting for a dispute with cashapp they denied it even with proof of the return. I am so frustrated and want my money back.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday XXXX watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by Comenity/Ulta XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an Ulta credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by XXXX stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at Ulta online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with transunion that is hindering my file.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
I ahve been trying to resolve this account for over two years now. The company is XXXX XXXX XXXX. I reached out to the company back in XXXX if XXXX  about returning the product and recieving a refund after not being able to contact them about returning the product. I eventually was able to return the product and recieve a full refund back i. XXXX if XXXX. This is were I was sent an email stating that my refund was awarded and the account was to be closed and reported to the debt agency within 30-60 buisness days that the account was resolved. It has been 7 months of me calling trying to get XXXX XXXX to contact Ameriassist to inform them the account is clised and no debt is owed. However XXXX XXXX has been stringing me along for months with no response as to when someone will send over a general release waiver to Ameriassist stating the account has been closed. Ive already spoken with XXXX  XXXX numerous of times for them to tell me time after time someone will return my phone call and no one ever does. Ive writtin a letter to Ameriassist stating the account is closed and to see they they would force XXXX XXXX  to respond to which they havent. It has been 7 months since the account has been in collections and no response from XXXX XXXX XXXX as to when they will send over notification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation