vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I called XXXX XXXX at XXXX about a collection EOS CCA is attempting to collect and is furnishing on my credit report, the supervisor said they dont have any information about the account. I called the collection agency EOS CCA whose reporting the false account on same date at XXXX and spoke with XXXX XXXX XXXX She said I cant dispute it and they dont remove derogatory marks from consumers report I have to pay it in full then she will add paid in full to my credit report, I told her i never had XXXX so she said send her a police report, proof of residency since 2016, and proof of the phone carriers contract that I have since 2016 and I dont know how or where to get those information, she said they wont stop collecting unless I send those impossible to get documents and if I do send them in EOS CCA dont remove stuff from peoples report once its place for collection. I did not open and account with XXXX and I never use home phone, I always have cell phone, EOS CCA pulled my credit without my permission to get my information and is now acting like Im the owner of a random debit they are trying to link to someone. They didnt send me a notice, they dont provide me a mailing address send documents to, this is extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I won my house in a XXXX XXXX, the bank refused to work with me because my name wasnt on the loan. Documents stated that they had to work with me in a timely manner

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage with Wells Fargo that was foreclosed on in XXXX of 2018. We tried to work with XXXX to modify our mortgage to avoid foreclosure, but they wouldn't respond to give us any options. The home was foreclosed on and bought by Wells Fargo from our understanding. I need to know how to be part of their current payout for issues on home loans.

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 — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filling this compliant because I was unjustly treated. So I need your help to get my money back from Citibank. They froze my account after I deposited the money that was paid to me by a customer that purchase goods from me in XXXX of 2022. Without any tangible explanation, they took all the money in my bank including the money that was in my account prior to the purchase. I have contacted both the branch and their supervisors more than 20 times after I received the attached letter to resolve these issues but to no avail. 
I don't know why a bank can do this and want to get away from it? 
Thx XXXX  XXXX XXXX XXXX XXXX cell

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: CA

Complaint narrative:
Constant monthly fees. They freeze part of a check deposit.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've had multiple times that I have been charged overdraft fees. These fees were charged more than 2-3 times in one day. When you call they say there's nothing they can do. I have also had fraudulent activity on an account where my money was frozen for months. The bank suspected me of fraud. When it was someone who actually hacked into my online account in Florida and deposited checks into my account. I suffered for months without being able to even touch my money deposited from my job. Then the bank calls to apologize and reissue me a new account. Since then I have different feelings about wells Fargo. I don't recommend them at all. An apology was all I received. I now only have the bare minimum deposited into this bank because I have trust issues with them. Over 16 yrs banking

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: CA

Complaint narrative:
Very XXXX Wells Fargo charge me for overdraft fee even when I bring my account to even balance the charge me again with overdraft fee and my account get negative again XXXX XXXX XXXX XXXX the charge me overdraft And also there was an account keep charging me for over XXXX XXXX and i couldnt see the charge on my statements I find out this when I open a fitness account from other state they told me there another Account another your name when I called them they said to me that we charge you every XXXX XXXX XXXX XXXX XXXX now and you dont know it I told them this account I close it why they charge me, the problem was fitness kept getting there fee out of my account but the fee wasnt appear to my bank statements such this I dont know how many more stuff charging the account and not appear in banks statements

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me fee two times on transactions and it caused my account to be negative and I had to quit banking with them

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 — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I didnt receive the funds from my closed account.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 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 states : It also states a consumer reporting agency can not furnish a 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

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: TX

Complaint narrative:
XX/XX/ I was forced to sign a loan modification to avoid losing my home to foreclosure. I tried several times to pay past due amount but was refused until a modification was the only choice.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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: TX

Complaint narrative:
I was getting charged for non sufficient funds and fees as well as bounced checks and 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: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I requested to close a savings account and the Wells Fargo Bank branch manager and bankers inform me if I close the account I would be charged fees. I withdrew all the funds out of my account with the understanding it would be closed but instead I was charged 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: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I received a random notice for the very first time from this company, and per Regulation F of the CFPB the required itemization that should be provided is not listed on the notice. There is no breakdown on the notice, nor is there the required information regarding disputing the debt. I demand a full cease and desist from this company - and as this is a clear violation of both Reg F, the FDCPA, and FCRA I demand the account be closed and returned to the original creditor.

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: FL

Complaint narrative:
I had a no fee checking. Money was suppose to just transfer from savings with no charges. I will still charged fees for the transfer plus fees for the negative balance.

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 with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow up complaint regarding my previous complaint # XXXX. I was contacted by Bank America after this complaint on XX/XX/ and received a refund of {$180.00}. I have still not received the refund for {$2400.00} despite repeated e-mails and phone calls to the contact at BOA : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX I have heard nothing for a month from him. This claim is over 6 months old. I am XXXX years old and need the money. 

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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, I mistakenly sent {$200.00} to the wrong person. They had the same last name as the person that was supposed to get it. I immediately logged on and tried to stop the transaction, but it was already complete. I then immediately called Wells Fargo and asked them to reverse the charges. They created an inquiry ticket and told me they would " research '' and let me know in 7-10 days. I spoke with XXXX who was kind of rude which is surprising because their customer service is ALWAYS XXXX. 

On Wednesday, XX/XX/2023 I called back to follow up and see if they could issue me a conditional credit. They said they were unable to. When asked why they said because it wasn't their fault, but there was a claim out there with the bank I sent the XXXX too, XXXX XXXX. So they had no answer for me. 

Today, Friday, XX/XX/XXXX, Day XXXX, Wells Fargo said the claim was closed. How, XXXX? 

I am in no financial position to lose {$200.00}. I need this remedied immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX Comenity Master Card statement had a fraudulent charge from XXXX XXXX Contacted company placed fraud on my account, card was closed and new card issued. 

XXXX XXXX New card received unable to register card, received statement from Comenity with no balance yet {$39.00} late fee. Called Comenity due to system upgrade my account got tied up and unable to access account. Transferred to fraud who stated fraud investigation still ongoing, due to system issues dont be concerned with late payments, they will be eliminated when account is corrected. 

XXXX XXXX Another statement another late fee XXXX balance- Called Comenity still unable to access my account due to system change- no concerns not reporting to agencies late fees and all fees will be removed once system and account is corrected. 

XXXX XXXX Statement late fee, contacted Comenity customer service unable to find Mastercard account in system. Transferred to fraud who could find notes in the old system. Not sure why my account isn't correct escalated to IT from immediate correction call back in a few weeks XXXX XXXX Statement late fee- called fraud department and same issue, however this time they said the fraud was confirmed and I have XXXX balance do not be concerned with late fees all accounts effected will be corrected and balances taken care of a new card issued. 

XXXX XXXX Statement late fees this time credit of 1 late payment and charge of another late payment with 90 day late notification. Customer service can not locate Mastercard account transferred to fraud same story XXXX XXXX Letter from Comentity credit limit was reduced from {$7500.00} to {$750.00} for failure to pay. Contacted Comentity customer service still can not locate Mastercard, transferred to fraud who said this is odd should be fixed going to escalate to the top to be corrected immediately and I will get a letter when corrected. May have to close entire account when corrected to get it back, which seemed odd XXXX XXXX Delinquent reporting on all 3 credit agencies- dropping credit score and now impacting possible parent plus loan on my sons education parent plus loan. 

I have as documented on their records {$0.00} balance on this card as I have not used it in years. The late payments were on the fraud charge on my account and since their system upgrade my account is lost. I have called and mailed monthly since this started, with communication stating this will have no impact on my credit reports. It has now impacted my credit reports and rippling effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX, 2022 - invitation to meeting for vacation in XXXX XXXX XXXX TX with XXXX Wyndham . Time share presentation with beautiful promises and as well Misrepresentation of the plan system along with Non disclosure of important keys information such as cancellation policy window of 5 days before contract is binding possibly intentional and told customer that they can cancel anytime instead if they do not like it. 
- Credit card Barclays Wyndham rewards, partner of the resort, is used as enforcer by harrasing customer with day and night phone calls, damaging my credit status to pay back a hefty down payment of $ XXXXplaced on my account with no proper consent and authorization to open a new credit card. The request was toobtain personal information to check our credit status. 
- after several requaest by phone and in writing to Credit card and merchant Wyndham the charge remaines onthe credit card statement. Initially on XX/XX/XXXX, credit card company sent a letter of clearing the balance and closed the account, and after reopenned a new account some of the carges by the mercahant and re posted the initial down payment charges to the new card. No clear 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: 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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
Consumer complaint received 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I currently have 2 loans that I have been overcharged for. I reached out to the company and I have been told that they are investigating it. The loans are ID:XXXX- Purchase amount XXXX w XXXX intrest & ID : XXXX-Purchase amount XXXX w XXXX intrest. My purchases don't add up to anywhere near the amount listed. I reached out to XXXX numerous times and was always directed back to Affirm. I have proof of my complaint.

Company response to consumer: Closed with explanation