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 — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I told Wells Fargo I wanted to close my account, a few weeks ago, they told me I had to have a XXXX balance. Thats not easy to do without over drafting. I ended up over drafting and they say I owe over {$1000.00} because I over drafted. I kept getting charged overdraft fees especially in the last few months for every single bill, especially my payday loans and other creditors I owe, and that didnt help me get in good standing with any of them. To this day, I struggle to pay back what I owe because of Wells Fargo refusing to close my account and constantly charging overdraft fees for every transaction.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I am from the XXXX XXXX and am a severely sighted XXXX person i have fallen victim to this coinbase wallet mining pool scam where I was told by the scammers I would make good daily profits per day, the scammers told me to download the coinbase wallet app and put in a link on the coinbase wallet app where I would click on the link to get the daily rewards and download the mining pool in the coinbase wallet app. Not knowing I was giving access to the scammers to my coinbase wallet they could Control it. Coinbase have been aware of this scam since XXXX and when they launched they coinbase wallet app but have done nothing to protect customers from such a scam They could see large payments being transferred to XXXX sent sent sccount from coinbase account to coinbase wallet They did nothing to protect me from falling victim to this scam coinbase are aware of this kind of scam since XXXX but have put XXXX security in place to stop this how can scammers use they coinbase wallet app to scam people and coinbase have done nothing. 
Also coinbase have not taken any identity checks from me when I opened my Coinbase account into XXXX, They coinbase wallet is full of security falls and bugs and holes where scammers are using these falls to exploit customers to falling victim to these types of scams Coinbase have done XXXX to combat this and they are aware of these scams taking place in they coinbase wallet app How can they allow this? And do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Really high interest rate

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have to drive across town to the only Chase ATM. I've gone there and sometimes that one ATM is out of order. This has happened at least eight times since I switched to Chase a year ago. Sometimes there's a line that is wrapped around the building. I waited in line for over 30 minutes only to get to the ATM and my debit card got stuck inside and I was lucky enough to be able to retrieve it before I left. And I left without depositing or withdrawing money because the ATM was out of order. This is an issue because my local Chase Bank is 35 miles away and I have to call chase to despute fees. It shouldn't be my responsibility to call chase to let them know their machine is down. And there should be a easier way to report it to chase at the ATM or on the app.

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

Complaint narrative:
I had a Wells Fargo mortgage starting in XXXX. Paid off now. But in XX/XX/XXXX I started getting sick with a XXXX that left me out of work and no income for a long period. As it onset I called WF to see options we had since I could not pay the loans on time. I was told to sell or refinance buy a deferment was never an option. I was given a terrible time through phone support. Even while in a wheelchair for 3 months of treatment and rehab I was being criticized for sound money spending to make a payment even though I had no income. I had 2 other companies i had vehicle loans with and immediately they did a deferment. Not WF. Until I had missed 3-4 payments would they even consider talking about things. We missed somewhere around 6-8 payments. When I started back I was in arrears and they started the foreclosure process and had to pay the full amount to avoid foreclosure. Even though I was still, and am, XXXX from my XXXX they wanted every penny at once. Sell, or foreclose. So I had to borrow the money from a friend to pay it off to avoid losing. My credit was so bad from lack of work and income that was the only way to get the funds. Took me a year to pay the friend as I had all.my other bills to catch up on from such a long absence of work. They were awful the whole process. I had other issues on the loan and paperwork as well. After my experience, even just the paper work and competency of the loan process, I would never do a loan or recommend to anyone. It was a horrible process. We finally had to sell due to the financial burden. So goodbye WF and that ordeal. I could do more detail but that gives you an idea of our ordeal. I may never work or walk again when I was in the hospital and my biggest concern was Wells Fargo and losing my home wh8le going through treatment and physical therapy. The stress was horrible. And almost every person I spoke too did not seem to care. The lecture I got about my financial state was the kicker. I told the lady on the other end when she was paralyzed in a wheel chair and may never walk or work again, and about to lose all she had then she had the right to judge me and criticize my situation. All thumbs down and frowns for 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Every month my SSD and VA compensation goes into this bank, and BOA freezes my account without any warning ( no text or email ), they freeze my account or locks me out of it. When I pay my bills ( etc ) mortgage, electricity bill, furniture, or groceries bill BOA freezes my account. What is so frustrating is that now whenever I go shopping, whether it be for food or any other products I need, I'm embarrassed because my debit card was declined, meaning I have to call the bank and wait sometimes over 30 minutes before I can get someone to unlock my account so I can pay for my things, mind you I'm a XXXX veteran, this kind of stress has effected my health. Their excuse ; is suspicious activities going on on the account, There are no suspicious activities, just me trying to pay my bills and buy groceries and services I need to carry me during the course of the month. This has affected my credit score, I have to pay late fees because bills aren't paid on time, and I do have proof of this, It's been going on for nearly a year now. I need someone to do an audit on my account at BOA because things are not adding up as they should.

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: Fay Servicing, LLC
State: NJ

Complaint narrative:
I called my mortgage company on XX/XX/XXXX regarding payments that were sent to my account and not applied correctly to my mortgage. I was told I still owed for the month of XXXX despite the fact I have been sending several payments.I was told to submit a payment dispute, which I did on XX/XX/XXXX by email. Called the next day to confirm receipt they stated they didnt receive even though I have the automated response stating they did. I was told to resubmit request by fax on XX/XX/XXXX they received the fax. I called back 4 days later and left a message. I was told a supervisor or someone would call me back within XXXX hours. That never happened I have been calling once a week since to get a resolution to my payment dispute. I have the money for my remaining bill but refuse to send FayServing anymore money until they call me regarding my payment dispute and they fix my account. Today is XX/XX/XXXX. I have yet to speak with anyone but I received a letter in the mail for intent to foreclose by XX/XX/XXXX. I have been in good standing on my loan for the past XXXX years. In XXXX & XXXX I was late was making a payment a few of my scheduled payment were insufficient but I made sure I sent in payments after those payments was returned. XXXX is when all heck broke loose and no one will call me back. noone has resolved my issues yet. This is not how a mortgage company is suppose to handle their customers, especially the elderly. XXXX XXXX XXXX XXXX XXXX I should not be going through this at all. XXXX tired and dont want to try to steal my house from me bc of their incompetence. To date I have {$3600.00} on hand to cover my XXXX, XXXX and partially XXXX mortgage payments but will not send Fayserving a dollar until I can speak with a XXXX XXXX XXXX XXXX 
Thanks

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 with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: IN

Complaint narrative:
Revoked my ach authorization from the company sezzle in mid XXXX. XXXX weeks later my wallet was stolen and I ordered a new debit card from my bank with a different card number because of the theft. Wake up this morning, XX/XX/XXXX, to several XXXX dollars drained from my account by XXXX Contacted the bank and the bank told me, without my permission, gave XXXX my new debit card number and XXXX used it to overcharge my bank account by hundreds. Contacted key and was told they gave XXXX my new debit card number because I have had buisness with XXXX in the past. Both companies are breaking federal law by not acknowledging my XXXX authorization letter and key is breaking privacy laws by giving my debit card information to whomever calls and asks for it.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charging wrong amounts to different companies in the past with Wells Fargo bank

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: NC

Complaint narrative:
A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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: NC

Complaint narrative:
I was charged overdraft fees when I didnt make any such overdraft fees and my account was 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 2023-01-20 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I had an account back in 2022 the bank closed my account for no apparent reason they also charged me 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