vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo offer me refinance loan and after 5 months of back and forth documentation along with more than XXXX documents submitted they rejected our loan. I turned down other banks relying on them and their best rate. I had my interest lacked and a closing date. They decided to turn us down because of gaps in our income and a change in our credit.

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I deposited a Wells Fargo check at XXXX XXXX XXXX XXXX into my checking account. It was a reimbursement for XXXX XXXX  because I paid off my car early. The check was returned to Wells Fargo. XXXX XXXX XXXX XXXX  confirmed that it was sent back. Wells Fargo claims the check was processed and not returned. I showed them proof with my XXXX XXXX XXXX bank statement. I put in a complaint with Wells. They stand by their claim that the check was processed. They stole money from 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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: ME

Complaint narrative:
lack of statements, would not accept payment over phone, Do to usbank creating payment problem thur opening and closing account rapidly with XXXX  company

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 2022-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had four accounts with Bank of America ( BofA ) including one joint account with my mom. In XXXX, my account got locked because of suspected fraud from an ACH transfer from a new employer. I contacted the bank and told them it wasnt fraud and they reopened my account. In the middle of XXXX, I received an email that all of my accounts were closed. I called Bank of America and they said it was from the ACH transfer and bitcoin purchases. I explained that those werent fraud and would like the money left in the accounts to be sent by cashiers check. I also explained I have done ACH and bitcoin with BofA many times with no problem. In XXXX, I visited a branch location where they gave me a number to call a few days later that would take my information for a check to be sent, but every time that RISK number is called they have been saying they need authorization from the sender, I told them that wasnt possible because I no longer work for the company and am not receiving any response from them. I have provided them with all the information about the company they have asked for. They refused all resolutions, between my mom and I there have been a total of at least ten calls. When we called a few weeks ago, we were told the money would be sent out then this past week they said a claim had to be filled for review. We have continued to call and are no where near resolving the case. During the calls my mom has had with them, they have given her information about my personal accounts she is not affiliated with, without my consent. The account I have with her and the money that was in it has nothing to do with the ACH transfer and they have said they would look at records to track where the money has come from and gone to, but there has been no proof of them trying to do that. Checking - {$84.00} Savings # 1 la
beled as Rent and Utilities- {$2400.00} Joint Savings account with mom - {$6000.00} Account # 4 labeled as Debt money - {$4000.00} Total amount : {$12000.00}

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We were forced to sell our home of 20 years after Wells Fargo falsely filed for Foreclosure after we had a signed agreement with them for, a Loan Modification following a XXXX, granting us a 3 month grace period to recover, then they filed foreclosure on us on the 4th month for non-payment. Up until then, we had never missed or been late on a payment in 20 years! All legal efforts to fight them after thousands in court fees, had to stop after we could no longer afford the legal fees anymore. We were forced to short sell for thousands less than we could have normally made during a regular sale. They are Crooks and ruined our lives after we did nothing wrong but endure a 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/2022, my father and I went to XXXX at XXXX XXXX XXXX, XXXX GA XXXX to finance a used car for my little brother. The salesperson ( XXXX XXXX ( XXXX ) and XXXX XXXX XXXX were assisting with the process. The salesperson asked for my social security number and stated that he will be using XXXX ( XXXX ) different banks to try and get a loan for the used car. After XXXX he came back to the desk where my father and I were sitting, and he stated that the banks were not going to finance a loan for that particular car. He asked if he could try again with those banks but for another vehicle. He left and came back XXXX minutes later and stated that we were approved but for {$840.00} a month for 72 months for {$0.00} down payment. My father and I asked him questions regarding the payment price and decided not to purchase the vehicle. On our way out of the dealership, we were stooped by the XXXX XXXX and he stated that he will " punch some numbers and see what he could do '' so that we can possibly purchase a XXXX XXXX for a lower monthly payment plan. He left and came back XXXX minutes later and said unfortunately the banks are closed. At the time, it was around XXXX and he stated that he will call us in the morning to follow up. A couple days later, I checked my XXXX XXXX using credit wise and notice that there have been XXXX new hard inquiries on my credit report. The companies that the used were XXXXXXXX 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 ( called them and they removed it ), XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX XXXX emailed them and they removed it ). I did not authorize nor did I sign paperwork stating that XXXX and XXXX XXXX and XXXX XXXX could run my credit multiple times. Based upon my previous discussion, I was informed that they were using ( XXXX ) XXXX different banks not a total of ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America credit card. I an XXXX  for my XXXX + year old father. Found out by phone message on parents phone about fraudulent charges on XX/XX/XXXX. My father does not know. I called BoA, of course they refused to tell me anything. No BoA branches near me so I mailed it in with a statement to the address I was given in XXXX sent it priority. With tracking. BoA received it XX/XX/XXXX. Since then I have called several times per week, at first I was told that BOA has 10 business days to process the XXXX  which would have been XX/XX/XXXX. I called BoA on XXXX  XX/XX/XXXX the XXXX still has not been processed and I was on the phone for over an hour trying to get help. Now I am being told that they have 30 days to process the XXXX. Also last week when I called the fraud department, I told them I was making a complaint and I needed BOA routing number for the credit card account and the person on the phone asked his supervisor and then refused to give me the routing number.

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 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I was giving an fha loan under false terms. I was quoted one price based on my income ( which is disability ) and all the paperwork was changed to increase my income and my mortgage payments. I was hospitalized for 13 days during the time that the loan closed. Three of those days I was not even conscious. It took me some time to regain my thoughts and mobility from the near death experience. During this time the company called several times a day and I repeatedly said I was uncomfortable moving forward at that time. I was only home 21 hrs before they sent a notary and a laptop with the lawyer on zoom and a stack of papers for me to sign. I did not fully understand what I was signing and was not giving time to look over them ( they were not the documents I had seen prior to being admitted in the hospital ). I gave my realtor permission to get the down payment from my account and they also changed the amount of it and basically took all my savings when I was told I would have a 3.5 % down payment for a fha loan. The whole process was lies and now Im in a mortgage that I can not afford. Rocket Mortgage ruined my first home buying experience and nothing is being done about it. They are criminals and they used false information to qualify me for a loan. They should not be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Dave Operating, LLC
State: MA

Complaint narrative:
I received a " Dave '' debit card in the mail thanking me for opening my account. I did not open an account and this is FRAUDULENT On XX/XX/13 I called the bank the account was opened at XXXXXXXX XXXX and XXXX XXXX XXXX  and gave them the Account number on the pamphlet on the card. They showed that as a XXXX account number, but said I needed to work with their " Dave '' representative, as they had nothing to do with the set up of the account. 

I was then transferred to the " Dave '' representative, who spoke with a XXXX XXXX but I am not sure of her location. She asked me for personal information like phone numbers and address for confirmation. I told her I did not feel comfortable providing. I did provide the account number again and told her this was fraudulent. I asked her to deactivate the account and send me an email, and to report this to the credit bureau, ( I gave her my address and had her say it back to me for confirmation ). To this day I have not received this confirmation. I wish to have this immediately for understanding this issue is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I get lots of fee charge to my account always and keep happening

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I have a mandatory auto draft on my business checking account for insurance. I also receive ACH payments from my clients. I was aware that my auto draft would come out of my account prior to the deposit but I was not expecting the XXXX {$74.00} overdraft fees in addition to {$8.00} a day. It seems as if a debit which I had money in the account for was held and forced an overdraft fee. I have asked the bank and received no assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I set up auto pay and they send me an email saying my payment is due. I checked and it was scheduled to pull but keep getting notified payment was due. I find out this morning that they pulled the payment twice. Now tell me I paid the full balance twice. Should not be able to pay any credit card twice with no balance. 
I ask them to reverse that charges and they refused. Said a charge of $ XXXX had posted to the account and they will deduct that amount. Told them any new charges do not even get billed until after the closing date on XX/XX/2023. Now the want to take 15 days or more to mail me a check! 

This type of practice needs to be stopped

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 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX. XXXX, 2018 ( XXXX yrs, XXXX mos ) Account status Closed Type XXXX Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX THE XXXX Closed No Info

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 2022-12-21 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: AES/PHEAA
State: VA

Complaint narrative:
FedLoan Services transferred my XXXX XXXX to XXXX in XX/XX/2022. I noticed on my credit in XXXX that Fedloan continues to show my loan as open/active with over a $ XXXX balance. I now have XXXX student loans balances owed ( XXXX ) on my credit report!! I contacted Fedloan and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both XXXX and XXXX and both results came back as account active and will not remove close/remove Fedloan from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Regions Bank with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I had to short sale my home when my ex husband left me with an underwater house. I was promised that I would get XXXX by doing a short sale. The process took such a long time that I needed to move to another state to accept a job closer to my family because I was left with XXXX kids and no money. Wells Fargo said because I left the house before the process was finished I would not get the promised XXXX. I was depending on this money to start my new life. This happened in approx 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 2022-12-21 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 12 XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2022-12-21 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: SC

Complaint narrative:
XXXX XXXX  with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had my mortgage since 2009. I paid {$120000.00} for my home and after almost 15 years I still owe over {$100000.00}. I've contacted the Wells Fargo to try and get this matter resolved but they're saying that nothing is wrong with my loan but I feel like something is going on that I don't know about can you please help me. I need to know why my balance is not decreasing. Also I was denied alone modification because Wells Fargo stated that I did not make enough money. I was then granted one three years later by another agent that caught them in their lie.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I entered into a debt consolidation program in 2017. Discover had me served with a judgement from a court stating that I was being sued for what I owed them. I was a plaintiff in a mesh lawsuit and received compensation for my injuries. DiscoverBank seized their full amount due and fees out of my checking account to fulfill the debt. However, on my credit reports which I have disputed several times, Discover states it was a charge off and that they werent paid in full. It was very odd how they just seized the money in my account the very next day after depositing into my XXXX  XXXX my lawsuit award. Which was about a year later. My debt with them was XXXX. They seized XXXX. My credit report should show them paid and full and then some, NOT a charge off. Thank you for your help with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX 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 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 convictions of crimes which antedates the report by more than seven 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 inaccurate

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