vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was a mortgage holder with wells fargo since XXXX. My interest rate was XXXX XXXX and my monthly payment was {$1700.00}. In XXXX  the recession hit and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Our combined checks from ss equal {$2500.00} a month. During this financial hardship I've been dealing with wells fargo loan modification home preservation specialist since XXXX  to lower my interest rate so that I can afford my monthly payments with no progress. Every time they gave me an excuse of why they couldn't modify my loan. I've tried XXXX  different times with the same result. I've been borrowing money to make my payments and wont be able to keep up while I'm trying to XXXX. I havent missed a payment since XXXX and I was beginning to fall behind in XXXX. After being repeatedly denied for a loan modification wells fargo began threatening me with foreclosure. My credit began to plummet due to falling behind on payments. I had to borrow funds from different friends and family members to pay off my mortgage in full to avoid wells fargo taking my home. I was aware of the illegal practices they were committing and let them know during a phone conversation and I threatened to take legal action and immediately I received a call back from the higher ups within wells fargo stating that they would reopen my case and attempt to modify my loan but it never happened.

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 2023-01-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Back in XX/XX/2022 XXXX Bank issued a XXXX for accounts XXXX # XXXX and XXXX # XXXX as settlement for two alleged debts. I have submitted that 1099C to the IRS on my 2022 taxes because these alleged debts are now considered income. I notified your company and requested that you remove these XXXX Bank accounts from my credit report as they are now considered income, and by the IRS, and your own company rules, should no longer be on my credit report. Nevertheless at the time of me filing this complaint you have still not removed these accounts and are still reporting them as unsettled debts. Both XXXX XXXX have removed these accounts from their credit reports, with only your firm continuing to report this matter.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am a user on my daughter XXXX XXXX account. They closed it suddenly but they refuse to give us the full account number so I can change my direct deposit information at social security. They returned my first check that went to that supposedly closed account but refuse to return my last one that was almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Remove three direct payment to three vendors and was charge {$31.00} for each account to stop the payment which was not late

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 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account is fruad. XXXX XXXX Never got a proper validation of debt. This account is fruad. I noticed this account reporting to my Experian consumer report. Experian violated my rights as a consumer under 15 usc 6802. They never operated under the law by reporting a negative collection account to my consumer report. Experian is reporting a fraudulent collection account to my consumer report From a debt collection company named XXXX XXXX. The account reports a XXXX dollar collection account. Experian is in violations of my by reporting a medical debt under XXXX dollars. It's a violation of my rights as a consumer. I request monetary remedy. Invoice needed for this matter. EXPERIAN 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION ... .. Experian is in violations of the law. Fair Credit Reporting Act. XXXX XXXX needs to be removed from my consumer report. Its 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.

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 2023-01-21 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: CA

Complaint narrative:
Almost {$400.00} in fees is ridiculous, I tried to pay them off but fees kept being added on

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 off my report with monetary relief for damaging credit score. Or provide proof in writing within 30 days. This is not the last four of my driver license 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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I was in college ( XXXX ) I banked with Wells Fargo and I was charged erroneous overdraft fees because my account reached negative dollars ( they told me deposits hadnt settled ). I tried settling this with Wells Fargo back then but was brushed off and forced to pay the fees they were charging me. Given this recent news about the Wells Fargo scandal, and the fact that they havent reached out to me to right this wrong, Im looking for reimbursement of these charges plus interest, because if the shoe were on the other foot you know they would charge me interest.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
This is a continuation of complaints XXXX, XXXX, XXXX, and XXXX. I called USAA to follow up to see why our debit cards are still frozen after providing them scans of our passports, taxes, my military orders, etc. She transferred me to a supervisor ( I was on hold almost XXXX minutes while waiting for the supervisor ) and the supervisor informed me that we had to answer questions. I said what questions, the ones the previous customer service agent said she needed and that are answered in all the documents I submitted to USAA ( income from me and my wife, etc. ). 

She said that they wouldnt even be able to unfreeze our cards since that team works only Monday through Friday. So USAA contacted my wife this morning ( XXXX XX/XX/2023 ) and they kept me on hold for over half an hour even though they knew they couldnt do anything this weekend. 5 days and counting of having our debit cards suspended, talking to over half a dozen customer service agents ( between me and my wife ), using our Polish phone to call a US number racking up our phone bill, then USAA providing a memo ( with hardly any details ) generated only after me calling and being backdated to before I inquired, and there is still no resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Credit closed my credit card without notice, without reason ( I paid every payment on time for years ). This unwarranted action reduced my credit score, and seems patently unfair and ridiculous.

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 2023-01-21 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: AVANTE
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, AVANTE USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Despite opting my deceased father 's information OUT of all pre-screened credit card offers months ago this bank seems to see fit to continue to mail unwanted credit card offers to him. Most recently an XXXX XXXX XXXX Credit Card Invitation number XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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:
this account does not belong to me they keep placing an accurate information on 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 non-monetary relief
Consumer complaint received 2023-01-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE CONTACTED XXXX XXXX  NUMEROUS TIMES, ZERO RESPONSE. XXXX XXXX  FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE USPS TRACKING SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE 5TH AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX XXXX  FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX XXXX  NEGLECTING TO RESPOND. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 customer of Wells Fargo for 15 years and was charged several overdraft fees and also had my deposits frozen which caused the 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
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Regarding the wells fargo settlement I feel I might be a victim Been with wells fargo since XXXX. From XXXX was told we had to open several accounts with balances in order to avoid fees on certain other accounts which were all at some point assessed fees anyway. Involves many many various open and since closed accounts

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed out of {$600.00}, and Wells Fargo did absolutely nothing to help me to obtained my returned funds. I am on XXXX, and those scammers really put a hurting to me, and my pocket book. I got really sad and depressed, when I found out Wells Fargo did not have my better interest at heart. It has been two years, and I have been waiting to hear something about my stolen money, but to no avail. Please assist me in order for my stolen money, to be refunded to my Wells Fargo account. Thanks for your kind consideration. Anticipating a favorable response for me. Thanks in advance

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I first contacted XXXX XXXX company regarding my move and asked if they could turn off the gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the bill to their name. I was under the impression that the current residents did such thing as I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that i did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that i called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time period. Pleas remove All credit and financial obligations as I did not reside at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and informed the company that DID NOT and DO NOT live at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$13.00} XXXX XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX XXXX {$32.00} I called and reported these charges to XXXX and they only credited me back the {$66.00} XXXX received a letter stating that it was an error but never reimbursed for the others also XXXX sent a check to my old address

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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did a loan modification and they decided to foreclose on the property I got hud involved and they said they made a mistake and let it slip through the cracks and backed out. They added a lot of money to my loan and a 50 year term. My current mortgage lady told me that was the most fraudulent loan shes ever seen and shes been in the business for 20 years. I sold the house over the summer. Property address XXXX XXXX XXXX XXXX va XXXX. Thanks 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 2023-01-21 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.

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