vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have sent back the form signed for the mediation. Because I'm sick of how wells fargo is treating me and calling me a liar basically. When they admitted it themselves with them falsely accusing me of harassing XXXX XXXX. Is the reason why they closed my checking account. I have a target on me for some reason. Wells fargo didn't know who I was but by the word of mouth by XXXX XXXX XXXX lies against me. 

When the police didn't arrest me and take me to jail. Because they saw that I wasn't doing anything wrong. This angered XXXX XXXX to lie to wells fargo for them to take action against me and close my account. This proves wells fargo wronged me and did an injustice against me! 

XXXX XXXX didn't need to provide any evidence when she falsely accused me of harassing her. She purposely put herself at wells fargo bank on that last day I was at the bank. It was all a setup. There was nothing wrong with my first checking account for them to close it anyway. Why was she allowed to snoop through my private information? She had the employees at the XXXX XXXX location wells fargo branch tell her when i would be at the bank. So she could be there to falsely call the police on me. When the police didn't arrest me. This further angered her. XXXX XXXX was already slandering my name at wells fargo bank. Well, they paid the price for siding with her with all the legal troubles they have been in since 2016. And for the wrong and injustices they caused me. I didn't deserve to be put through this. I don't know what it is about me. When people see me they can treat me wrong and do all these evil things against me. XXXX XXXX was XXXX XXXX XXXXXXXX with all she said in her letter just like XXXX XXXX. Making me think she was going to settle with me. But I played along with her because I knew what she was up to already. When she kept asking me what she can do to settle this. I never in my entire life would have thought. I would have a neighbor who works at a bank to harass me like this. Because i fought for my property rights and XXXX XXXX didn't like it. Wells fargo is the reason why she is the way she is. Nobody has never made her be accountable for her actions.

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 2023-07-08 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Company has lied about being able to verify I am who I say I am & denied access to checking / credit card account ( s )

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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I've tried to apply for a credit card and this company denied me stating that i already have a credit card with these companies and i have never ever applied before to obtain any credit before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I deposited two checks into my account with Capital, that I later discovered that these checks were fraudulent. To my dismay, the bank declined my offer to rectify the situation and instead chose to restrict my access to my direct deposited SSI benefits.

The restriction imposed on my account has had severe consequences on my ability to meet my basic needs and financial obligations. The undue hardship caused by the restriction has left me in an extremely vulnerable position and has significantly disrupted my financial stability.

I kindly request that you intervene to ensure that Capital One promptly rectify this matter by immediately lifting the restriction on my account and ensuring that my access to my SSI benefits is fully restored. 

Thank you for your immediate attention to this matter. I anticipate a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN FLORIDA.

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I initiated a bank deposit for {$1800.00} on XX/XX/23 from my linked bank account using the Robinhood ( RH ) app. The money was deducted from my bank account on XX/XX/23. I wake up in the morning on XX/XX/23 to a restriction on my RH account which prevents me from accessing my {$1800.00}. Keep in mind this is the only money i have to my name. I transferred it to RH because i trusted RH and never had any issues with RH the XXXX years Ive been using the platform. I received a notice from RH asking for bank statements of bank accounts I used in the past to deposit/withdraw money on RH with. The problem is that the accounts theyre requesting information about was accounts that i had linked to my RH account about 3 years ago and accounts i no longer have access to. I called customer services and the lady basically was telling me theres nothing they can do and that i have to provide the requested information in order to lift the restriction. I requested to close my RH account and she said that i would have to get the restriction removed first. I told her one of the accounts theyre requesting information from is an account thats been closed for years. She told me i would have to get a account closure letter from my bank. Thing is, that account was with XXXX which does not exist anymore. I called XXXX to see if they can help but after giving them my info they told me they don't have any information in there system about my old account with XXXX. How can a company do this? They wait till my deposit is in their system and then lock my account. Why not request that information before i the deposit money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was selling my condo in XX/XX/2022. The closing statement showed that I owed {$230000.00} with a scheduled close date of XX/XX/2022. We sent {$230000.00} to cover the interest for the first week, plus another week in case of a delay in closing. The title company said this was standard, and I'd receive two checks from my mortgage company after closing : ( 1 ) the remaining escrow balance, and ( 2 ) the overpayment on interest.

The transaction closed on time. Weeks after the closing, I received one check which was a payment of {$3200.00}, representing the balance of my escrow account. I did not ever receive the overpayment of interest, and I owed no other fees and had no outstanding debts. By my estimate, I am owed roughly {$370.00}. 

I have contacted the Mortgage Company, Loancare, repeatedly, asking for a breakdown and explanation. All that Loancare says is that I am not owed any additional payments ( they did subsequently send me a check for {$5.00} after I complained, stating they noticed an error -- this was not a settlement check ). 

LoanCare has stopped responding to my correspondence.

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We bank with BMO Harris, particularly the branch in XXXX, IL. On XX/XX/2023, I went to the gas station to buy gas and I discovered that my card declined several times even though I knew that I had {$800.00} on it. I called the bank, and they told me I have to contact the fraud department. I tried for two weeks to speak with a guy named XXXX XXXX, but it seemed as if he was ignoring me every single time I went. I went to the bank at different hours during the day, and there was always some type of excuse - he's on lunch break, he just left, he's not here today. I left him plenty of voicemails and he didn't reply to any of them until XX/XX/2023 informing me that he closed the accounts and stole all the money. I received a letter regarding my account that I received a check deposit for {$3400.00} on XX/XX/2023. A company named XXXX XXXX XXXX XXXX in XXXX, FL tried to deposit this check in my account and the bank accused me of fraudulent transactions. The return reason was - " not sufficient funds. '' I don't know where this check came from and why someone tried to deposit it in my account. On XX/XX/2023, XXXX actually called back claiming that there was another deposit made except for {$6500.00} this time. Meanwhile, I received NO proof of this happening and I could not see these transactions on the mobile app. On XX/XX/XXXX, XXXX called back and said he had to close the account because there were, again, " not sufficient funds '' after the second fraudulent transaction It needs to be said that I am on two accounts, and they froze and later closed both without giving me the money that was on there that was mine, which is almost {$3000.00}. If the bank FDIC insured, why is my money not protected? Because of this problem, I wasn't able to pay for the mortgage and assessment in XXXX and XXXX. This was money I lived on, I wasn't able to buy food either for me or my daughter. This bank put me in jeopardy and this reflects on my credit score. Please look into this, thank you.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

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 2023-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
Subject : Forclosure dispute, Ive owned since XXXX Ive had my home sold since XXXX have a signed contract, funds ready to transfer, been in contact with the mortgage company, pending a signature from my ex -wife..??? 
On Monday, XX/XX/XXXX with I called SPS and spoke with several individuals ( relationship managers ) regarding postponement of my foreclosure sale, a woman named XXXX, explained to me on a recorded phone call, if I can send proof of funding that day they would post pone the auction sale. I called back after sending the information spoke with XXXX and then XXXX who confirmed They received it that day. By XXXX XXXX. I Icalled XX/XX/XXXX I spoke with XXXX, she told me that auction had progressed despite them telling me it was postponed, transferred me to ombudsman I left messages, then I called and spoke with XXXX referred me to XXXX telling me property was sold, I spoke with XXXX I was referred to attorney XXXX XXXX I left a message also with them I spoke with XXXX Who transferred me to XXXX and she helped me file this dispute with SPSERVICING I was on recorded phon calls with my title company and buyer with SPS when they told me auction was postponed thank you for your prompt attention to this matter. I am requesting 7 to 10 days postponement that I may provide funds to resolve this matter either a reinstatement or for payoff. Now Im Trying to remediate and close the sale, So can move on with my life. This company has been trying to get my property for two years now theyve approved modifications, Ive paid them, theyve misappropriated payments I still have unapplied funds in my account they have for no reason, canceled my modifications three times, they have dozens of lawsuits for this, Im seeking proof of my mortgage from XXXX XXXXXXXX XXXX in XXXXto SPS and not gotten any proof that they can provide ... etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION
State: TX

Complaint narrative:
I am unable to access my account online, preventing me from checking balances and transferring money. When I called the bank, I learned that they are currently facing higher call volumes due to a recent upgrade. Despite leaving my contact information for a callback, I have not received any response. I was not informed about the upgrade beforehand, and the bank has not communicated any issues. Their XXXX account only mentions extended call center hours, without acknowledging the problem.

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 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fig Tech Inc.
State: OH

Complaint narrative:
Somebody has tried to open a loan account with my name and SSN on it involving fig loans I never applied for any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN XXXX.

Source Receivables Management, 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 2023-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I came out of Forbearance from XXXX XXXX  and ended up with Mr. Cooper ( Acct. XXXX ). They never called me to set up anything. On the phone with Mr. Cooper on XX/XX/XXXX and also on XX/XX/XXXX. It took two days because the representative could not find my account. I only knew from talking to XXXX XXXX  to start paying Mr. Cooper on XX/XX/XXXX. XXXX XXXX  told me that my monthly payments would be actually less than pre-forbearance. I started paying Mr. Cooper {$1500.00} monthly until they told me to stop paying them when my XX/XX/XXXX payment was not accepted. The reason is that my payments were messing up with their arbitrators. They told me that it will take them up to three months before a set payment amount is made. In XX/XX/XXXX Mr. Cooper sent me a mortgage contract that I had to sign and notarized. That was completed and mailed to them. I have not received my signed copy back and have requested it numerous times. It appears that I do not have a mortgage contract, which they started to this day. They send bills through XXXXXXXX XXXX for the entire forbearance period with XXXX XXXX. They just dinged my credit score by saying i am 180 days late for payments which is untrue. Documents will show monthly payments from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I purchased foreign currency ( including euros and XXXX XXXX ) from PNC Bank prior to my overseas vacation 3 weeks ago. Their website clearly states that " And when you return with excess currency, PNC can buy it back for immediate XXXX. dollars. '' There are not caveats, disclaimers, or limits listed. 
On my return to the XXXX, on XX/XX/XXXX, I brought my excess currency to PNC, and the teller immediately exchanged the XXXX euro note for {$5.00} XXXX, but when she processed the XXXX XXXX, she and a supervisor read that it had to be sent in first, before I would receive the XXXX equivalent of {$21.00} USD, and that it may take a couple days. A couple of days later, I received a call from PNC stating that they have a {$100.00} USD minimum buyback amount for XXXX XXXX, and they are unable to buy my note back. I spoke with the PNC XXXX XXXX, XXXX, at the XXXX PNC, and she filed a complaint for me. The next day, XX/XX/XXXX, I received a phone call regarding this complaint. The PNC woman told me essentially that because the department who handles currency exchange has a {$100.00} limit, the matter is settled. I advised her that their website currently says PNC buys back foreign currency ( with no disclaimers ). She kept looking for outs for PNC, and mistakenly referenced their foreign check cashing policy which does have caveats. I told her that 1 ) I am a PNC customer ( not a stranger on the street who found some foreign cash lying around ) 2 ) I purchased the very same denomination FROM PNC just 3 weeks ago and 3 ) PNC charges me both to receive the foreign currency, as well as cashing it back in, so I'm not sure why they are acting like they are taking a loss by issuing me {$21.00}, and 4 ) there is NO listed minimum buyback limits listed ANYWHERE. The tellers at the branch I turned it in to didn't even know about these limits. Very dishonest. As is the website. The woman on the phone told me that XXXX currency isn't a " standard currency, '' for them. Well, they were able to obtain it for me when I requested it, so I'm not sure why they act like it is something they have never encountered. Had I known there was a {$100.00} minimum buyback, I would have spent the rest of the money overseas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: MO

Complaint narrative:
The following communication has been sent to Lending Tree in XX/XX/ when I was approved for a personal loan : " The Lending Tree results are totally UNACCEPTABLE!!!! Why on XXXX 's XXXX XXXX would I want a 32.99 % interest rate on a loan to consolidate credit card debt with an interest rate of 29.99 % THE POINT IS TO GET AN PERSONAL LOAN CONSOLIDATING DEBT AT A " LOWER INTEREST RATE '' YOU HAVE GOT TO BE KIDDEN ME? '' I refused the loan such that I have told reps not to contact me. I communicated we will not be doing business for any reason.

Recently, I looked into obtaining a mortgage loan working with different mortgage loan officers. Recently, I received phones again this week from Lending Tree trying to sell me products and services I do not want. The first call was when I was on vacation, XXXX  XX/XX/XXXX, such that the second call transpired today XXXX  XX/XX/XXXX. 

I am tired of these people harassing me asking about service 's pertaining to my personal debt. 

I do not need their help! I do not want their help! They are not to contact me for any reason. I have asked this of them over the phone, emails and through the XXXX. Now, I am resulting to use the CFPB. 

Please put a stop to this, as their services are not for me! 

Thank You.

Company response to consumer: Closed with explanation