vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I went to Bank of America XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to deposit my tax return check but they refused to accept it because it is addressed to me and my wife. They asked me to add my wife to the account as an owner to be able to cash the check. I added her as a benefitiarry but they still refused to cash the check and asked me again to add her as an owner. I asked if there is any other was such like bringing her with me to the bank in-person or any other was dbesides making her a full owner to the account but they refused any other option. Adding my wife to the account as an owner to just cash a check is not appropriate. So I had an argument with the employee XXXX, and the XXXX XXXX so they took the subject very personal and started making it even difficult for me tpo add my wife as an account owner. 

I wend with my wife to the branch today and almost had a XXXX XXXX from the staff and managers there. This branch has the WORST EVER customer service. Its my third time visiting this branch and experiencing the same. The employees lack basic skills and the XXXX is even worst. I wonder what the XXXX is doing leaving the branch with unqualified employees and management to run it. I went to the branch today and was " tortured '' by XXXX who lacks the basic communication skills. She only wants to talk and refuses to listen and at the end, she threatened me to cancel the meeting and have my request delayed for days. I spoke to the XXXX, XXXX, who did nothing but watching and peaking from behind the door. XXXX also has no customer service skills what so ever. 

I was worried that XXXX changed my account or add or remove services that I did not authorize so I asked XXXX to verify her work. XXXX said she will do but she never did. I am worried what XXXX has done in my account. 

I finally had to add my wife as an owner to cash the check. However, I am so worried that XXXX and XXXX may manipulate my account and change the services or anything else without my approval. I request an investigation to assure that they did not miss up my account. I clearly asked the XXXX XXXX to verify XXXX 's work but she ignored my request and did nothing. 

Thank you. 
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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo held our mortgage from XX/XX/XXXX - XX/XX/XXXX. In that time we tried to modify our mortgage and was guided by Wells Fargo to do certain things. Wells Fargo never modified our loan even though we complied with all criteria and foreclosed on our home in 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a check from a " company " that was get me on board. The check should be used to pay all the required to accomplish the remote work. After I received the check they requested me to deposit on my bank account. I did it. After that, they requested me to send a XXXX transfer to an email address. I setup this as an business account and try to send the transaction. They tall me that they didn't want to make the transaction as a business. So, in the middle the bank calls me about the transaction and I just canceled it. Then, they requested me to transfer to another account and I said that I have to verify the check with my bank. I got to the bank and had a meeting with a representative. I told her that I think that this check is illegal. She talked to me that I have to call the online services because I did the transaction through it. I called to the online services phone and told them that I suspect that this check is illegal and that I don't want those funds. Today, the bank sent me an email saying that my account was canceled due to this check. I really don't understand, if I did the correct things why the bank is doing that kind of thing. I think this will affect my score so I need to know what can I do.

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 — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olympus Law Firm, PLLC
State: ID

Complaint narrative:
Illegally sued me and started garnishing wages on a 7 year old account without serving any documents. First payment was garnished XX/XX/2023 for almost XXXX $ also has an extremely bloated amount that is extremely incorrect for the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MA

Complaint narrative:
I filed an on line application for a credit card, bank with DISCOVER CARD, after reviewing additional requirements I couldn't met, I declined their products via phone call., On XX/XX/ DISCOVER BANK card co sent an email request for additional information for complete application processing, according to said request information must be provided no later than XXXX XXXX XXXX 

Discover Bank co disregard my request to promptly cancel my incomplete application resulting in wrongful HARD HIT on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Hello, I am a Wells Fargo customer since XXXX. I keep a Mortgage and a checking Account with them. I signed a Mortgage with Wells Fargo end of XXXX beginning of XXXX. This loan was rated at Four percent and the monthly fee was no more than {$350.00}. It was a Thirty year loan, but then I was offered to cut the Thirty year loan to XXXX years if I doubled the monthly payment which I did. The monthly payment came to about {$630.00}. I was doing good on my payments until I lost my job with XXXX. And this is the second time I am fighting a foreclosure. 

Thank you, 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Steady overdraft my accounts make me pay so many 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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This company completely did not get in contact with me after receiving the payment in full on an owed account. 
They had already sold my vehicle to a tow company that was completely out of the area and was already done and had no intention on returning They have been distributed and they have close the account does that is not mine and it is not report it on my Credit 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, Today, I was informed by XXXX that XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX was abused by a person through dark web. 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ca First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX  XXXX I do not know this person and I have been in U.S.A. since last XXXX and they stole our information in XXXX. 

I do not know who they are and I have no business connections with them. 

In this respect, I do not know how they received my company 's information and how such theft was fixed through digital world. 

I am 100 % shareholder of XXXX XXXX XXXX XXXX, XXXX and our XXXX number ends up with XXXX. 

XXXX is our XXXX and I was terrified when I was informed by XXXX regarding this theft and misuse of our company information. 

In this respect, I am afraid of the fact that someone would want to apply for credit/loan or credit cards through using our information. 

In this regard, I kindly ask you to do the needful and take action against such abusers that would like to misuse our company information. 

I kindly ask you to do the needful to protect my trade, banking facility and investment. 

Such bad reputation and unwanted occasions would influence our business reputation. 

Your kind proceedings would be highly appreciated. 

Kind regards, 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
On XXXX XXXX ENHANCED RECOVERY COMPANY Account -- {$550.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX 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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I had to close my accounts cause all those overdraft fees had to pay all of that money back. They was letting lenders take money out of my account. When I had my accounts open my name was XXXX XXXX in XXXXXXXX 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: 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: AL

Complaint narrative:
Wells Fargo would charge a numerous amount of on relevant fees to my account thats didnt comply with their policies

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with Equifax and XXXX. Both Equifax and XXXX claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during Equifax and XXXX 's thorough investigation.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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: TX

Complaint narrative:
I was told to avoid forecloser to submit XXXX check stubs from employer and my W2 from the last 2 previous years i issues my full tax returns for both the years. Didnt understand that they where looking for the actual doc only and the refuse to give me extra day and submitted my home in foreclosure

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 — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I thought to believe i had enough funds to cover a deposited check but I was wrong at least from what I believe from what I was told and my account was also closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied on-line for an XXXX XXXX XXXX  XXXX XXXX XX/XX/2022, I received a email letter from XXXXXXXX XXXX requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a XXXX bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Was not approved. 

Not only XXXX XXXXk employed agent was not truthful in his statement, he failed to mention that JPMCB Chase bank would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from XXXX and Chase Bank. 


Due to what appears to be an unscrupulous practices, I will never request and/or apply for any products or services from both said banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XXXX. XXXX, 2019 LVNV FUNDING LLC Account -- {$140.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

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

Complaint narrative:
My Wells Fargo credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so Wells Fargo is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.

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: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone stole my information and used my bank cards which caused my account to be overdrawn. I had BBT Account. Tried to have them investigate 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 2023-01-21 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: FL

Complaint narrative:
The amount paid was not applied properly to the loan at times throughout the loan.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: GA

Complaint narrative:
Seen it on my credit report. The dates it said I was at the emergency room I was out of town.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so XXXX XXXX is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so XXXX XXXX is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.

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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal limited my account, i have available money on my account that i can't withhdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XXXX. XXXX, 2022. SPRING OAKS CAPITAL LLC OPENED A COLLECTION. 
Account -- {$880.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation