vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: CT

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 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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
This started in XXXX. Between XX/XX/XXXX and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX also known as XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm. this firm promised increased growth because of their advanced bot system. 
When all deposits were made the company refused to follow through with providing the funds that was promised. As soon as I realized this I contacted Coinbase twice, they do not send any recommendations but to report this crime to the police. The police are not equipped to investigate crypto currency. As it is new and the scammers no doubt take advantage of this. Coinbase has not taken any actions to rectify this issue which is why I am filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My claim was denied by citizens. I provided documentation that I was charged twice. The overseas company I disputed is clearly lying. All of the documentation that the company provided us made up. I had no previous business with then. It is egregious that I provided proof and my claim was denied. They clearly did no real investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-20 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: PA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo had ridiculous overdraft fees for me I XXXX time was over drafted XXXX XXXX and no lie XXXX it was their overdraft fees and they dropped their fees but closed out my account when I attempted to pay back what I was behind

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 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX contacted transunion to remove inaccurate late payments on my credit report several attempts and transunion XXXX  reporting it as updated with no investigation.

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I took out a loan with Wells Fargo Dealer Services. My vehicle was repossessed and then sold at auction for what appears to be an extremely low amount. 

On XX/XX/2014 I was sent a bill with a balance of {$8700.00} that included a line item of {$1500.00} for XXXX XXXX fee due '

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 2022-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
in XXXX i made a request to wells Fargo to change our payment to bi-weekly. I would make the payments as stipulated but wells Fargo would hold onto XXXX payment until the other payment was received. My interest to request a biweekly was to pay off our mortgage sooner. we changed our mortgage to a 15 year loan. On about XXXX we paid off the balance, but I feel we were overchared on interest. 
Please advise and thank you 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I would just like to know if I'm getting in settlement in the latest Wells Fargo law suit. I have complained many times over the years both to this orgainization and Wells Fargo with no remedy. 

From XXXX to XXXX I took an auto loan from Wells Fargo, mailing in my payments 1 month in advance only to find they are not being processed until they are late to add late fees. When I moved payments to be electronic, Wells Fargo would reverse the payment then take it back to add late fees. Wells Fargo at the time claimed it was my bank not authorizing the payments and investigation with my bank proved that to be a lie. 

As far as I'm concerned Wells Fargo owes me {$30000.00} at least. {$20.00} for the car and {$10.00} for the fraud. How are they still in business?

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
I was approved for a XXXX XXXX but I couldn't find anything in my area. I knew I would have an issue getting a conventional loan because of my work history. My realtor informed me to speak with XXXX XXXX XXXX at SouthPoint Financial Services Inc. She told me that she knew of previous clients who used her to close with the same work history. My realtor informed the company of my work history, and I reiterated this to XXXX XXXX and XXXX XXXX, who later took over for XXXX XXXX. They insisted I continue with the process. I was preapproved. Once I went under contract on a property, XXXX XXXX contacted me on XX/XX/2021, stating that I was denied because of my work history. I was livid because they were fully aware of this from the beginning. I reached out to XXXX XXXX on XX/XX/2021, the company 's President to make a complaint against XXXX XXXX and XXXX XXXX for negligence. I knew everything was done in-house, so they could have spoken with the necessary parties to ensure I would be approved. She tried to explain why I was denied. They requested that I pay the appraisal fee and inspection before closing, and since I didn't close, I requested an {$800.00} refund and requested information under RESPA from XXXX XXXX and XXXX XXXX. XXXX XXXX stopped communication. I never received a refund or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Block, Inc.
State: TX

Complaint narrative:
It all was done by XXXX I cab send you the recipe this XXXX pretend XXXX company caused me It just like they told me to buy gift cards and I'm XXXX I thought j hot a XXXX but XX/XX/XXXX they took over my babk account my stash account trying to with drawl XXXX on my stash. Etc I give you all the ecdince and I tried to get a joke if you guys. I just kbg know what to do I cab day it elite company I traced XXXX of those gift cards I had to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo i was denied mortgage help so much and was strung alone for years i would be asked to submit documents and i did and then i would be told that the document time period expired. 
A loan officer signed my name and husband 's name illegal to the correct names on our license on mortgage documents i have problems every time i call in a payment, i am belittled and put through so much stress now my payment is 4 times what it was 5 years ago and i have missed a payment i was told several times that the bank not to pay mortgage insurance and taxes, after being told that there was a procedure where the bank would pay mortgage taxes. I have a thick folder of complaints dating back several years and nothing has been done about it to date

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
They Repo XXXX cars and I was denied credit everywhere for over 9 years, I couldn't even get a place to live in my name because of this situation, not including the trauma and embarrassment that I had to face in the 9 years, and until this day I'm still paying high interest rates for Cars and still couldn't Be able to get an apartment under my name, I got into XXXX and was feeling ashamed of what it has caused me in this life, I can't recall the exact date but this happened between the year XXXX and XXXX, Also there was a moment in my life that I thought of not being able to breath and causing me to go into major humiliation, I'm still leaving in an apartment under someone else name because I wasn't able to do so in my name.

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 2022-12-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Due to recently implemented 3rd party clause by Infiniti Financial Services, I am no longer able to trade my ( leased ) vehicle to any other dealers outside of XXXX. I was recently required to return to work and must drive the vehicle daily which will put me over the allotted miles before lease end. I want the ability to trade my vehicle for an electric vehicle and not be concerned about mileage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been struggling to survive like many Americans. With inflation, the cost of living, food, medical expenses - I have very little to nothing on a quite frequent basis. My personal checking at Wells Fargo was just closed d/t approximately- {$210.00} balance. Meanwhile, they send me a notice that they have collected upwards of {$1500.00} in overdraft fees from me this year alone. To know they have taken away more than what I make in a weeks ' time is beyond hard to overcome. They have constantly left me to suffer, my car nearly getting repossessed, me nearly becoming homeless all on account of their fees. I have called them crying and begging for some of the money back, even enough to just break-even but they constantly decline. I am absolutely outranged that my account has been closed over money to me that should be there. They imposed these fees sometimes XXXX per day of {$35.00} - for someone with my salary and needs there is no way to overcome that setback. To know that they closed my account for so little money, after taking so much of my hard-earned money was extremely disheartening. I even explained how I live XXXX states away from the closest branch/ATM to deposit cash into and still not a single person cared. I can not physically drive to XXXX XXXX from XXXX just to deposit money I hardly have, into an account that does not respect me and continues to drive fees at me. I nearly lost it all in my life.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am one of the many VICTIMS of WELLS FARGO HOME MORTGAGE! 

This happened XXXX years ago when I tried XXXX over XXXX months to get XXXX  to modify my loan so I could remain in my home. 

They ignored me, then after over XXXX calls made me fill out the same financial justification documents over XXXX different times and ultimately never granted the loan modification. At that point, I was forced to sell my property at a steep loss ( ~ $ XXXX below what I paid XXXX  years prior ) due to the prevailing real estate market at the time. 

These criminals destroyed me financially! 

What remedy do I have?

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They close my account and never send me the check

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 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
When I signed up I was told that the balance would be paid off within 12 months. However I was recently told that I would have to pay the full balance in one lump sum. Therefore the monthly payments I've made for the past 11 months has not effected what I owe. That I'm also stuck paying on this account. I can not afford to pay the balance in full. now my credit score and reports are down and negative therefore making it harder for me to leave a place that is not safe for me. ( There are people who live around my neighborhood who are watching me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have reached out to the number on file for the account on my report. I have been unsuccessful in reaching someone that is able to assist me in getting this resolved. I have no knowledge of signing up for anything at ULTA. I'm in fear that someone has stolen my identity as I am seeing even more accounts opened in relatively the same time frame that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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