vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Well I received a foreclosure letter from well Fargo so I become panic because my mortgage keeps going up so I found this company to help me get a moniefacation I was so glad to get the help I pay this company so much money and only to found out that they say XXXX can't give me the moniefacation without a good explanation I was devastating so much money I give to this lawferm no help all because XXXX keeps telling me when I try to get the moniefacation from them they were putting me through so much about they didn't receive documents and I have to keep sending them the same paper over and over I couldn't do it by myself so I turned to this company and they didn't do me no justice either they took my hard working money only to tell me they can't help me eny more and was referred me to aother company to take my money a gain I try to contact XXXX again notting they do to help me only to get a letter again to go to court because they but the house in foreclosure now I am finding them a gain I am going through notting but stress sleep less nights because I don't know what is going to happen to me now

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: GA

Complaint narrative:
Money goes into account and out of account and back into account. Some days account balance doesn't match spending.

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: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX XXXX is the last message I have from them updating my email and information I've called with my counselor who's assigned to help me find a therapist for my XXXX  as a XXXX being homeless since XXXX I've had my wallet stolen every year if not every other month throughout the years of being homeless  since XXXX I still live in a homeless shelter till this day and get robbed. After countless times way before XXXX in the year of XXXX reporting my card stolen I stopped ordering a new one and just decided to close the account around this time they decided that they can send me a card but they can not close my account I have sent them face photos me holding my ID paper saying the date time my name with my face in the picture and still they refuse to close the accounts I've been told I have verified and provided all that's needed and still not had my account closed after explaining that I am a victim of identity theft and that I had to get a new phone number and new email and so on verify the emails that I have contacted them on and still they refuse to close the account

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2023, I logged into my Chase account ( I have been a Chase Freedom credit card holder for nearly 20 years ). I saw a banner that said I had been " pre-approved '' for the Chase Sapphire Preferred card. I decided to click on that, and Chase, already having all the info it needs about me, only asked for me to update my annual income ( I listed around 300K ). My credit score is well above 700. Despite the unambiguous statement that I was already preapproved for the card, I was not. My credit card application needs up to several weeks of further review. Had I known that, I would not have applied, I would not have consented to a hard pull. I contacted Chase to complain about the misleading advertising and I was told, essentially, too bad. They also would not let me cancel my application.

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: CA

Complaint narrative:
They draw my money from my account and I called and I did small claim but the representative from Wells Fargo want to negotiate with mi with half of my money she told me they didn't have any pictures of drawing the money and she agreed.. but as a wells fargo employee they have to negotiate with half.. I decided to see the judge and he told me it took me too long to do the small claim I took to the court the bank statement that I didn't open because I thought the money was save in the bank I didn't even have a alerts activated to my account... the weird thing on this is my limit during the day was XXXX XXXX.. why this people was able to draw more them a XXXX dollars per day??? Total amount they owe me is XXXX dolares. I really appreciate if the call me XXXX

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

Complaint narrative:
I banked with Wells Fargo years ago and they put tons of fees on my account and would not let me pay it down. They closed my account sent it to collections.

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: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I took out a mortgage in XX/XX/XXXX with Wells Fargo under the name XXXX XXXX. The address on the home was XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. During the financial crisis the home became deeply underwater and I was laid off from my job with a real estate developer. I tried working with Wells Fargo to obtain a loan modification beginning around XX/XX/XXXX for approximately one year. Everytime I called I was told my case was still in review and to call back in one month. I never received any answers. I reached a point where I couldn't make the payments anymore and left my home in XX/XX/XXXX. I believe I qualified for a loan modification and was wrongfully ignored and lost the battle of attrition 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a standby cash account with Huntington and on XX/XX/XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/2022 when I I did exchange through them just in XX/XX/2022 and then I have to argue to let them exchange money and they spent exacly XXXX hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.

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:
Wells Fargo would charge NSF fees every 2-3 days days and would cause my acct to be negative. I would call and try to discuss the situation and they wouldnt remove the charges. This led to my overdraft and negative account. The end result was that I couldnt pay fees and they closed my checking and savings account. Now Im I. Collection

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I was in receipt of money to purchase a XXXX gift for myself from loved ones on that day. Since I already use a marketplace to find deals on legitimate items users don't need anymore, I decided to look for a a pair of XXXX XXXX headphones for personal usage. I found a listing and the user stated the item was legitimate and was still in the wrapping provided from wherever he purchased them from. After, contacting the user, I was able to solidify a time to come and see the item. After looking at the item, it looked legit and proceeded to provide the information through CashApp to provide the funds for transfer of goods. When I arrived home, I unraveled the item to only find that the headphones were not legitimate, as there were many flaws with the item. I proceeded to instantly dispute the item on CashApp, XXXX and contact the seller with all the flaws and demanded an exchange of the said item. He was responsive up until I sent over the proof, in which I was not given a response. I requested a refund from him through the app and he declined it that same day. CashApp declined my request for a refund on the XXXX of XXXX and XXXX declined my dispute on the XXXX of XXXX stating the transaction was valid.

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 when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Ive had Grain ( The credit card debt card ) for a little over XXXX years now, recently I close my XXXX XXXX account and I need to update my banking information with Grain. Ive sent over XXXX emails called over XXXX times. I am still not able to get a hold of any customer service to assist me with this problem now this problem is going to ruin my credit because no one is getting back to me to help me with this problem and I have interest fees accumulating on in like XXXX $ charges that can simply be fixed if somebody would just reach out to me and help me with this!

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: FL

Complaint narrative:
The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was on correctly charged on my account, many tines, overdraft fees. My account was also frozen.

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: NC

Complaint narrative:
I have so much issued with paying my bills, non sufficient funds. Sometime my accounts would froze can't used my debit card at all.so I closed n left 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, Ive made several attempts over the past two years with each credit bureaus to remove incorrect numbers, addresses and jobs on my credit report. No one has responded or followed through with my request. There is a list of different addresses with several apartment numbers, with and without unit numbers. Its all over the place.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}

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: CA

Complaint narrative:
Wells Fargo being charged me for long time 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 3 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: 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: FL

Complaint narrative:
The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXXl

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 — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I notice around XXXX that my joint checking account at Regions Bank was overdrawn from an automated bill payment. So I transferred XXXX to cover the negative balance, something I have done several times before at this bank ( we will come back to this ) and others. The next day I see on my app the transfer is pending something that I didn't understand. Another bank XXXX transfer several XXXX dollars around XXXX, the same day I notice the XXXX in Regions pending, and it was in the account ready to go. Something very important to mention I call this morning and was able to get them to return my money after intense conversation. One of her excused was I needed to do it before XXXX but I explained to her I done while still at work around XXXX, then it was a new excuse. 
So I making this complaint because this is not the first time Regions done this to me before, and I know they was in court for charging overdraft charges not long ago. Hopefully not but they MIGHT STILL be up to old habits. With that said I expected some refunds from Regions because they have done this to me in the past, but never received anything. 

Thanks, for hearing me out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 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: IL

Complaint narrative:
In 2019, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest XXXX credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the XXXX account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to XXXX for {$220.00}. I contacted XXXX and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that XXXX  received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my TransUnion credit report highlighted my former XXXX account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting XXXX to request the removal of the Adverse Information from my credit report, I was told that when I created a XXXX XXXX  account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from XXXX  on my soon to be closed credit card. XXXX could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that XXXX had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. XXXX continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While TransUnion allows a consumer statement to be included on the credit report, it not only appears below the Adverse XXXX information, but its buried at the very bottom of the credit report.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Car repossessed in XX/XX/XXXX and I had filed bankruptcy back in XX/XX/XXXX and Wells Fargo would not work with me after I filed bankruptcy. so my car was repossessed in XXXX of XXXX  and I had to take out a loan to pay Wells Fargo almost {$4000.00} to get my car back and I am still trying to paid the monthly notes to them as of today ( XXXX ). 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Account number # XXXX Also, I have been contacting Wells Fargo for months to get a monthly statement. I am unable to get a monthly statement online or in the mail. They refused to sent me XXXX. Wellsl Fargo will not let me make payment online or see my balance. 

This is the message, I get when I try to see my balance, statements or yearly 1099 report : You do not have any accounts available for this service. Please select another service or call XXXX for assistance. i have attached a copy of what i can only see on Wells Fargo online system. 

I am unable to see if I have over paid or if they received payment and telling they did not. PLEASE HELP ME, I NEED YOUR HEL ASAP. 

Thank you very much

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