vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX, I received a letter from Wells Fargo informing me that due to a new policy, they were asking all clients to remove any international addresses from their accounts by XX/XX/XXXX or else they would close the account and send any remaining money in the account ( s ) to the US-based address on file via check. 

My mother and I jointly have a checking account with them. I removed the international account fully from my side at the beginning of XX/XX/XXXX via the mobile banking app. As my mother is not technologically savvy, she went to the XXXX XXXX XXXX XXXX Wells Fargo on XX/XX/XXXX and had them update the account for her side. They informed her that it was complete and did not provide her with any documentation, confirmation via email or text. As they told her it was complete, we felt no need to follow-up with this process. 

On XX/XX/XXXX, I logged into the mobile banking application and saw they had closed this checking account with any further contact to either my mother or I. I called immediately to Wells Fargo and spoke with XXXX and then XXXX, XXXX who informed me that as my mother, the joint-account holder had not updated her side of the account, that there was no way they could challenge the account closure process. 

I find this extremely unhelpful as my mother and I followed their request. I would prefer for them to reopen our closed account. If they don't, I will remove all my accounts with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: 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: TX

Complaint narrative:
constantly charged 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Had issues with wells Fargo overdraft fees and over charging my account when I had an account with them and also issues with identity theft and they never took care of 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 — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We had mortgage with Wells Fargo from XXXX would not work with us. Had someone outside our house weekly to see if it was cared for I guess. Would not modify or work with us on any modification. We sold our home and moved out of state.

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 — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
My Chime account was hacked and emptied completely. On XX/XX/2022, I received a notification from my Chime app that my {$990.00} transfer to XXXX was complete. I do not know this person, and did not authorize this transfer. They transferred around {$50.00} from my savings to my checking balance, and then completed the transfer of all of my funds to that e-mail address. 

I contacted Chime within 15 minutes of this unauthorized transfer ( hacking ), and was told a dispute was opened. Around a week later, Chime notified me that my dispute was denied and that I would be able to request documentation from the investigation. I did request the documentation, and submitted a rebuttal to the denial. They once again denied my dispute. The documentation provided to me ( attached ), does not address the fact that a hacker accessed my account. I use XXXX XXXX and the access to my account was through XXXX. I noticed in my e-mail that there was an unauthorized access to my XXXX account ( attached ), but my Chime password was not changed. My hope is that this XXXX XXXX and access from XXXX ( I use XXXX XXXX ) can help confirm that this was not me. I have called around 9 times and requested supervisors, but no one is able or willing to resolve this issue. I recently called and e-mailed XXXX Bank, who is the actual bank behind the Chime app. They have yet to respond. I will just keep calling and submitting rebuttals until they solve this, but if you could help, that would be great. 

My husband also had a large Chime account, and was very concerned that a fraudulent company was holding a majority of our cash. He was thankfully able to close his account and receive all of our money via check, however the process was handled extremely unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
This statement is to dispute the collection balance of {$1500.00} from IQ Data International/XXXX XXXX XXXX AZ reported to the credit bureaus, XXXX and XXXX, XXXX XX/XX/XXXX. Myself, XXXX XXXX, XXXX XXXX, and XXXX XXXX signed a lease to move into an apartment with XXXX XXXX XXXX AZ on XX/XX/XXXX and were due to take possession of XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX on Friday, XX/XX/XXXX. The apartment was under construction and we received notice that occupancy was delayed and that the apartment should be ready for move-in on the evening of Saturday, XX/XX/XXXX ( after office hours ). When my friends and I went to start moving in on Sunday, XX/XX/XXXX, the apartment was clearly still not ready for move-in. There were dust and floor-board trimmings everywhere and open exposed wiring. I submitted a written notice of cancellation according to the terms of the contract, and the group acknowledged receiving the notice the following Monday. 

I never lived in this complex and that is why there is no history of monthly rent or listed address for this property on my credit report. In addition, I paid an upfront security deposit of {$1800.00} to the company which was never refunded, per the terms of the lease contract. I am attaching the 3rd page of my signed lease, which states that I may terminate the lease up until the time the apartment is ready for occupancy ( see section 15 ). I am also attaching my written notice of cancellation with photos of the apartment from XX/XX/XXXX. Lastly, I am attaching a signed and dated letter from my friend showing I occupied his home rent-free from XX/XX/XXXX until XX/XX/XXXX, when I initiated a new lease with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and an insurance document billed to the XXXX XXXX address during the time frame XXXX XXXX XXXX claimed I was living in their apartment. 

I am shocked to see this collection come up on my credit report a year and a half after this event, and I am not exactly sure what it is for. I have no history of late payments on any of my credit accounts because I am highly accountable and take my credit obligations extremely seriously. I never received a billing notice from the property management company. I wrote the debt collection agency and called them multiple times to request an explanation and can not get a response. The process of trying to move-in and then cancelling with XXXX XXXX XXXX  AZ was extremely stressful and now they've damaged my credit score and I feel helpless. I wish I had researched this group sooner because I found a lot of negative remarks about them online after my bad experience, and it looks like they have already been sued more than once. I am also attaching a letter sent to the debt collector requesting an explanation for this charge, which they did not respond to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Tried to modify loan they kept dragging it out which resulted in XXXX dollars in fees interest taxes attorneys fees. We paid the taxes and interest when this started but the mortgage was sold to them and they claimed no money was received.I also mail interest payments to XXXX bank who sold the mortgage to Wells Fargo who had server to process the account and they claimed them never received any payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account freezes and declined payments due to incorrect 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 2023-01-20 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: GA

Complaint narrative:
These items are listed on my report that don't belong to me and I have already contacted companies. 

XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying to open and account since XXXX but have not been able to due to them denying me because I needed to verify my identity in which I did. I went into another branch bank and had my drivers license and social faxed to XXXX and had them call them even and they still would not comply. My identity info was stolen before and I had a block on it, I had my information updated but they would not help me still.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My XXXX XXXX XXXX mother has a checking account and I am the co-owner though my name does not appear on the checks. It is at BMO Harris. My mom used to still write checks for her bills. All were small amounts save for the caregiver company and her XXXX account ; but those were never over say {$1200.00} at a time. 

In mid XXXX, my mom wrote 4 checks for various utilities and a donation and i deposited them in the local XXXX XXXX XXXX of the local XXXX XXXX XXXX XXXX. XXXX, specifically, where many residents are elderly. 

About 3 weeks later my mom got mailed notices that 4 checks had been cashed from her account for {$9800.00}, {$7500.00}, {$9700.00} and {$9800.00}. We immediately went to the local BMO to register these as fraudulent. However, were told that it takes 3- 6 months to investigate and retrieve these checks. ( The money was only in my mom 's checking as her care giver bills are increasing, and she took money out of an IRA - a perfect storm. ) Now 3 months later, only 1 {$9800.00} check has been credited to our account.

My Mom is XXXX. soon to be XXXX  Really??? 3-6 months???? 

i write because : 1- clearly BMO Harris does not have adequate checks and balances on elderly people 's, or anyone for that matter 's, accounts. UNCONSCIONABLE. ( I was told by a friend at XXXX that monitoring the elderly 's accounts is XXXX there. ) 2-BMO Harris has a very obscure complaint department. You can only really contact your local branch, who is frankly 100 % out of the loop and powerless. They repeatedly say, " it is being investigated in the Fraud Department. '' but a consumer can not reach the Fraud department. Nor does that Dept. give any info to the local branch.

3-And perhaps most importantly, we were told the 3 other checks, not yet credited, were cashed at XXXX XXXX XXXXXXXX and BMO was waiting to resolve this with XXXX XXXX XXXX. These are FIDUCIARY institutions. THEY made the mistake - yes bothXX/XX/XXXX and BMO - of cashing checks to people who had CLEARLY WHITED OUT my mother 's written amounts, with 3rd grade handwriting. Because they lost money, and are arguing as to whose fault it is, why should the innocent consumer be made to pay? They are holding our money in fiduciary trust- it is not their money to decide when we should get it back. 
I WOULD LIKE OUR MONEY BACK WITH INTEREST IMMEDIATELY. They are borrowing our money because they made a mistake and can not resolve it quickly. And yes, the irony that my mother 's Credit Card for which we would have to pay interest if the " borrowed funds '' are not paid back on the due date is held at BMO Harris only adds salt to the wound. This lack of immediate return seems a direct violation of their governing laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am the co-signer on a mortgage entered into by my daughter, XXXX XXXX, under XXXX, which was bought out by Freedom Mortgage. She receives Social Security XXXX payments for having XXXX XXXX, but was able to go back to XXXX XXXX. and receive a degree, and is now in the second year of graduate studies in XXXX XXXX. She was never notified by XXXX that there was anything wrong with her payments, but just within the past week, Freedom told her that her her escrow was short by almost {$17000.00}, and that they were <tripling> her payments, from some {$850.00} to {$2600.00}. XXXX is not able to work, and I receive only an employment pension from the XXXX XXXX XXXX and have an advanced case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this increase would do considerable harm to us. Although we have tried to obtain a complete history of payments into and out of the escrow account, Freedom has never explained to us just why they think that the account is short by almost {$17000.00}. I also just noticed yesterday that even though my daughter and I paid her yearly house insurance premium in XXXX, Freedom has taken it upon themselves to insure the unit with another company and to disregard our own insurance, already paid, and have not answered questions as to why they are doing 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 2023-01-20 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: CA

Complaint narrative:
While purchasing an item by accident knowing that I didn't have the funds it still went through having a limit to not be purchase when funds are not enough. After calling customer service to let them know what had happen I was told that I was fine that I shouldn't have to worry about it because I had called them to make sure the item was canceled. Afterwards I was still charged over draft fees and had other items coming in knowing I had enough to be covered but due to the accidentally item purchase it made me go negative and all the items that had came in afterward I was still charged for all other items an overdraft fee. I try to dispute it but they had refused my refund for 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 2023-01-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Someone pull my credit with out my request with these companies. 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

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXy Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX Partial Acct # XXXX 15 U.S.C 1681 section 602. A States : I have the right to privacy. 15 U.S.C 1681 section 604. A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacc
urate.

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: TX

Complaint narrative:
Wells Fargo overdraft fee. I started my account in 2009

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I gave a payment of XXXX when I should've I called wells Fargo they told me it wasn't time for my payment and to go back and ask for my money so I did and they refused to give it back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I may have been wrongly charged fees, freezes etc

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I rented a car in XXXX and the car rental agency made a fraudulent charge to my card for a fake damage claim. I provided the credit card company with a mountain of evidence about the fraudulent activities at this rental car company but they simply ignored my dispute and quietly snuck the charge back on my statement about 60 days later on XX/XX/XXXX. This is absolutely criminal fraud, there is no way I am legally responsible for it. I have provided a huge amount of evidence and even before and after pictures of the car. Online reviews show that this company is completely fraudulent, basically they charge all renters huge sums for fake damage on their old broken cars. 

It's also relevant that the company charged my card XXXX DAYS AFTER RETURNING THE CAR. This alone should not be allowed. 

I have extensive photos of the car upon return but this form doesn't allow XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was scammed by a sophisticated pseudo scam thru XXXX and I disputed 17 charges for which they only claim to do an investigation of which they didn't do and then turn around and agreed with XXXX that it was ok for me to be scam of over 90 thousand dollars.

Company response to consumer: Closed with explanation