vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I refinanced my mortgage with Webster Bank NA in XX/XX/XXXX. My first payment was to become due on XX/XX/XXXX. On XX/XX/XXXX, by letter to me, Webster Bank sent me notice of my new monthly payment on my fixed mortgage ( 2.5 % 15 year refinance ) of {$4800.00}. XXXX. In addition to that notice, Webster Bank included " Annual Escrow Account Projection for the Coming Year. '' That information estimated an escrow of {$1000.00}. 21 monthly and also projected that I would get a refund in XX/XX/XXXX of {$1300.00} if my account were to remain current. My monthly payments came out of my Webster Bank checking account and were auto-deducted by Webster. 
During the calendar year XXXX, my property taxes were not increased nor was my homeowner 's insurance. 

In a letter I received at the end of XX/XX/XXXX, Webster Bank notified me that my escrow account was short by {$9600.00}. Not only would I not get the promised projected escrow rebate of {$1.00}, XXXX, but Webster was billing me every month in XXXX {$6.00}, XXXX, an increase of {$1400.00} per month ( a 31 % increase over the XXXX payment. In spite of conversations with a Webster Branch manager, a Webster regional manager and written notice to the bank alerting them to the problem, there has been no valid explanation for the 31 % increase. I relied on Webster 's billing of {$4800.00} each month in XXXX as well as its projected escrow analysis indicating that I would be entitled to a {$1300.00} refund, not a bill for {$9600.00} spread out monthly in XXXX. Webster 's Regional manager promised me that the bank would " rectify this '' and would get back to me in writing. Although weeks have passed, I have not heard from the bank.

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The bank cashed a check when the computers were not working where when the computers were back working my bank account over drafted with fees for {$500.00} they should of never been allowed to cash a check like that

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 — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date open XX/XX/XXXX Charge-off XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} JPMCB CARD has committed Securities Fraud against me and has take Securities against on me without my consent. JPMCB CARD has stolen my Identity and taken Securities against my name.

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

Complaint narrative:
On XX/XX/XXXX I deposited a check from my boyfriend for {$9500.00} to pay for my dogs veterinary bills, which was VERY important. The next day they put a Hold on the check because they said the check had been altered which was completely false. I stayed on the phone for over an hour telling them they could call my boyfriend, call his bank, that the check was absolutely NOT fraudulent or had not been altered, but all they would say was : FIRST : they were completely refusing to release the hold. Then, when I would not take no for answer, they kept transferring me to finally a HORRIBLE worker by the name of XXXX who explained all this stuff I had to do. I was going to do it until she said I had to get a NOTARIZED LETTER. My boyfriend was right there telling them to release the hold! ( They said they couldnt find his number this had to be false because I know his bank had it ). This caused me to have a full blown XXXX XXXX at my treatment, having to spend over an hour trying to sort it out to no avail, and now I will be late on payment for my very sick dogs veterinary bills, which has brought an infinite amount of stress on me. My check will still remain on hold for XX/XX/23, and my boyfriend has not stopped payment and written another for fear they will do this again.

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 — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Saving account opened then closed with negative balance added, card was deactivated and account was in negative. This issue wasnt taken care of correctly.. I received an email it closed when issue wasnt resolved. Information was incorrect.

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 — Funds not received from closed account
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I have been trying to get the balance on my checking account for years now and the bank claims it was closed in XXXX of 2009 when I used it after that in XXXX to pay my bursar account at IU. I also gave them a film script I wrote that was made years later and would like my XXXX dollars for it. Along with my investments and earnings from that.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not give written permission to furnish experiences and transactions with this consumer. 

XXXX XXXX XXXX XXXX  late payment transactions These are the laws that are being violated : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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: AL

Complaint narrative:
High fees and insurance charges to do a modification.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Back in XXXX when all the foreclosure started I was one of the cuatomers that obtained no help everyone would turn their back on us, We needed help and guidance on how to reciver and continue with our home. Yet no one neither did the bank or any organization attempted to help we were ones of the very beginning and they didnt have any protocol to follow in situations like the one we encounter and in XXXX we were asked to move out. Leaving us no other help or benefit but to live here and there with friends and family we were a family of 6 my kids were so young this was so tramatizing to let go of all the hard work we put simply cause our bank laughed at us over phone when we seeked for help.. hoping to get some money back we havent been able to buy a 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Money was taken out of my account without my permission. Identity theft issues more than once with this bank.

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 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: CA

Complaint narrative:
There was unusual purchase in XXXX XXXX that I didn't make that kept showing up on my account I called like XXXX times an it continued to happened still hasn't been solved just refunds but my account somehow is still being charged ....

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 — 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
See complaint XXXX previously filed on XXXX ( PenFed Credit Union XXXX XXXX it was closed but not resolved. I have sent a followup letter to respond to PenFed 's letter claiming it is being resolved. They are resolving by lieing to us and harrassment. It needs to stop. PenFed has continually lied to us and now trying to bully us into paying for their mistake. The letter details how their version of what happen is not supported. They say a double reverse was made, one by the merchant and one by PenFed. To this day the merchant is calling us to check on us to see if we have any issues using their software which would disputer PenFeds claim that the merchant reversed their charge. PenFed outside credit department and inside billing department twice told us it was PenFed 's mistake and it would be reversed, they are liars and request the disputed amount be exsponged ; an apology, our account balance refunded, PenFed investigated for customer abuse and illegal activities.

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 — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They had closed my account but after I had put my on my card. But then after that they refuse to to refund the money I had put on my card which is a secure credit card.. but they still haven't done anything yet about refunding my money that left on my card.. they had closed my account on my credit card after I had put money on my card.. please help me with getting my money back..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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My social security number and date of birth was hacked. My account with Experian has my x wifes email in their system. The code to log in goes to the x wifes email. All I want to do is set up a security freeze? Experian will not answer their phone. I need an immediate freeze. Please help. Email me at XXXX, or call my office at XXXX. 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize

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: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I filed bankruptcy and One Main did not raise any concerns about their loan being XXXX. My case was accepted by the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. My case number is XXXX. 

Additionally, I have not received any correspondence that a balance was due or repossession was possible. I am shocked that my car was repossessed on XX/XX/XXXX. 

XXXX XXXX XXXX

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: NJ

Complaint narrative:
They changed me so much money 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 2023-01-22 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: NM

Complaint narrative:
The amount was {$870.00} and it was deposited amount was in there and then they tried to charge months later and set the account negative which put a hardship on me which made no sense we paid a negative amount that was not even supposed to be charged and we shouldnt have paid and tried contacting and doing a complaint and kept giving a run around saying we owed that when we clearly didnt we had money in there and never overdrafted that money. The Date was XX/XX/2022

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I purchased the home in XXXX I was paying less than {$600.00} a month. Then through out the year it would go up sometimes up to {$900.00} or to {$1100.00} a month. I would called them for the increase. There response was escrow when up. I did not understand what they were telling me. I'm a first time buyer. So do not know much about mortgage. The years when by. I noticed my home mortgage payment would not go down. I complained a few times. Would not get a answer. I felt they were keeping my payments and the balance would not go down. On XXXX it showed balance at XXXX. I bought the house for almost XXXX. Where did my payments go for so many years. On XXXX it showed I owned {$95000.00}. Then it was waived on XXXX. Due to Covid. I was having problems making payments. Then started making payments on XXXX. I noticed the balance when back XXXX {$11000.00}. That was the balance when I bought the home. I called and they won't give me answers. I feel they have and still taking more money for m mortgage. I'm behind XXXX XXXX right now. They want me to pay {$3000.00} by XX/XX/XXXX. I don't have the money.

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 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: PA

Complaint narrative:
They over charge 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 2023-01-22 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against 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 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 DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.

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 DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I wrote letters to Experian over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX 

In addition, by law medical bills under {$500.00} should not be reported on credit reports. 

Experian has also failed to adjust/increase my credit score properly following the removal of items from my report within the last 30 days ; whereas the other 2 bureaus have removed the same items and adjusted correctly 15 plus points and Experian only 3-5 points. 
They have not replied to me or removed items from my credit 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 2023-01-22 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: WI

Complaint narrative:
I had an account with Wells Fargo in XXXX and XXXX. They allowed unauthorized transactions to go through my account from a fraudulent party and they charged me for the amount overdrafted from my account and fees I never paid and eventually they closed 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