vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received emails from Wells Fargo about opening a checking account. I never applied for a checking account with XXXX. 

All from XX/XX/2022 : XXXX PM " We have received your documents '' about " my '' application for a checking account XXXX PM " Access your Wells Fargo account documents '' with an access code XXXX PM " Next Steps for your Application '' with info about tracking " my '' application XXXX PM " Welcome to Wells Fargo '' stating that my application for a checking account was approved XXXX PM " Your Wells Fargo Contact Information has been updated '' stating that the email address on file was changed. The new email address was almost completely redacted. 

I'm upset that someone was able to use my personal information to apply for a bank account, and that account was approved in ONE MINUTE. It is incredible to see such a negligent lack of review/security/oversight. 

It took me over an hour of being on the phone with Wells Fargo and being transferred to 3 different departments before I could even report this fraud. This was by calling the phone number specifically provided for reporting checking account fraud, so you'd think it wouldn't take being put on hold multiple times before I could talk to someone about this. Maybe so much of my time wouldn't have been wasted if XXXX took more than 60 seconds to approve a new bank account. What an embarrassment of a 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 2022-01-07 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: GA

Complaint narrative:
I sent a billing error notice for an erroneous account that is being listed on my both my Experian and XXXX credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather Experian is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported XXXX and they said it was deleted from my account but has not been yet.

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Abra

Complaint narrative:
Abra wallet company closed my account and steal my money!! They scam my money. I invest my retirement money there and they just steal it by closing my account. They did not only close my account and even my family account with money on it was closed by them as well. They are a fraud company!! Abra cryptocurrency is a big scammer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I made a payment using my XXXX card I tried to make a payment that I had noted to be put in, the result came back several times we could not process try again, on about 3rd time it took the payment I suggested and then it took out the entire payment and I lost my entire payday all together GM got XXXX dollars, the payment was only XXXX I tried immediately with XXXX, GM Financial to reverse my over charge, neither will, it's obvious the payment was a duplicate, I have faithfully made my payments to GM and never been late I demand my reversal today, I can not pay my other bills or buy food if they will not I can not or see any reason after GM told them to refund my over payment they will not, this is the 2nd time I have had a problem with XXXX holding a refund when clearly it was a mistake, I never got the other reversal to this day. Please contact XXXX and demand my reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I sent a certified post Covid-19 Forbearance Mortgage Modification request package to Bank of America for my home loan . ( See attached for copies ) It contained the following : 1 ) request to provide me with the necessary paperwork to file a partial claim for my FHA backed mortgage.

2 ) request for assistance to complete the loss mitigation application and receive a full loss mitigation evaluation.

3 ) Request for further assistance as well to complete the paperwork and address my previous requests 4 ) Request for BofA to exercise reasonable diligence to complete the application before the end of the forbearance period.

5 ) A complete mortgage modification request form, physical copies of a full and complete financial packet of my income for the entire years of XXXX & XXXX, my tax records for the years of XXXX & XXXX, my bank account history for the year of XXXX, all utility bills for the year of XXXX, as well as all historic communication with Bank of America XXXX XXXX XXXX XXXX, CFPB, HUD, FHA, and XXXX XXXX XXXX for the years of XXXX. 
On Monday, XX/XX/XXXX, I called Bank of America at the number I was instructed to by XXXX XXXX XXXX to validate my mortgage modification packet was received and being processed, and was told I was not allowed to request a post covid 19 forbearance mortgage modification. ( conversation recorded )

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 2022-01-07 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: GA

Complaint narrative:
I sent a billing error notice for an erroneous account that is being listed on my both my XXXX and Transunion credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather XXXX is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported TransUnion and they said it was deleted from my account but has not been yet.

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 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
I applied for a conventional mortgage through Wesbanco. During the initial closing disclosures, I discovered we ( my co borrower and I ) were being charge over {$660.00} for discount points. After explaining to the lender that neither one of us asked to purchase these mortgage points, nor was it explained to us prior to moving forward with the purchase, because as investors, we planned to buy the property, repair, rent and repeat. So, buying points on this deal would actually make us lose money on the investment after refinancing in only 4-5 years. The lender insisted that there was nothing he could do to remove the points because my $ XXXX investment loan was too risky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was emailed by paypal because someone had recently charged back causing my paypal to go negative. This is very inconvenient because I am being falsely accused to pay money that I shouldn't be paying. I am wondering how this can be resolved because I shouldn't be having to pay {$490.00} due to someone having the ability to charge back and cause my paypal to go negative. The email regrading my paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Was never notified of fraudulent charges. Opened statement a couple of months ago and had over {$20000.00} worth of fraudulent charges. They removed most of the charges except for XXXX which amount to about {$9000.00}. I called them at least 5 to 6 times. Every time they have assured me they would take care of it. I have talked to every department I could think of including the fraud and securities division. I have asked them every time I have called and they say they will take the charges off and they haven't. I have paid exactly what charges are mine and haven't used the card. Today they called looking for payment and then hung up on me after I requested the fraud department. I have sent letters and they have not acknowledged any letter I have written them, they just call to collect money. I pay off my credit card balance every month and have for many years. I have received written correspondence that there is an investigation going on. I believe the 3rd letter closed the investigation stating I did not answer their questions. That letter came with my statement, still carrying that balance, just days after last speaking to the fraud and securities department. They are still trying to collect this balance that I do not owe. It was an out of state construction company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FREEDOM FINANCIAL NETWORK
State: MA

Complaint narrative:
Pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act requirements Freedomplus Financial has violated the FCRA requirements by not notifying the credit reporting agency that this account is being disputed in the comments section of the credit report. Under section 623 ( a ) ( 3 ) Freedomplus is required to notify the credit reporting agencies that this account is being disputed. This is a very serious violation of the FCRA requirements pursuant to section 623 ( a ) ( 3 ) by Freedomplus Financial. I have disputed this account multiple times over the past serval months and the required notice of dispute has never been put or reported in the comments section of my credit report as required. I am providing multiple proof documentation of resent credit reports clearly showing no notice of dispute in comments section on any of my reports as required. I am also providing a copy of section 623 ( a ) ( 3 ) of the FCRA that I am sending in my dispute for Freedomplus Financial review. Freedomplus continue to respond back to me with the generic response stating that they can not review or see any of the supporting documentation provided. How can Freedomplus Financial verify my dispute if they cant review or see any of the supporting proof documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
XX/XX/XXXX I received a copy of my updated report after an investigation by Equifax. The report confirmation number # XXXX stated that the inquiry : XX/XX/XXXX. XXXX was deleted from my credit file. To this date of XX/XX/XXXX the inquiry still remains on my credit file. This was after I provided all the requested documents to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third bank has charged me on a credit card that I closed XX/XX/XXXX. I closed all of my accounts with them XX/XX/XXXX and switched banks. There was never an issue until XX/XX/XXXX when I noticed a late fee and outstanding balance of {$35.00} dollars affected my credit score negatively. I called fifth third and that said the issue was resolved and that it was a mistake and would not happen again. On XX/XX/XXXX they again charged me {$35.00} dollars for an outstanding late fee. On XX/XX/XXXX I submitted a dispute to XXXX and got the results on XX/XX/XXXX stating that Fifththird bank confirmed the charges to the credit bureau this negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NC

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi through their website ( terrible website ). I was told they do not have any customer service in the United States ; I could barely understand this person, he couldn't speak English. He refused or couldn't communicate with me regarding the interest rate that Citi is charging me nor transfer me to anyone that could help me. I called Citi by phone, the person that answered the phone could not speak English. The interest rate that Citi is charging me is XXXX. Citi -and a few others banks-owns the federal government and stole {$25.00} XXXX, excuse me it's called Covid, Citi 's rapacious interest rate on my account is egregious.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
I asked for a refund of {$70.00} which is an XXXX XXXX cleaning service total. I asked for this money back as there were finger nails, 2, on the ground as well as multiple hairs in the bedazzled well as other issues. 
Discover told me I was denied the refund for various reasons like I didnt take the proper steps to file a dispute. 
I have hard closed my account with them. I will pay the balance minus the {$70.00} I am not getting back. 
I have never heard of multiple businesses being OK with unsanitary practice. 
Discover sounded completely fine with businesses using unsanitary practices. In the pictures attached, please see the hairs and what appears to be straw underneath the nail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX XXXX XXXX  XXXX, global lending Please if someone can assist me with this i've been trying for months with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MD

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 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

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 2022-01-07 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: FL

Complaint narrative:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX credit, global lending Please if someone can assist me with this i've been trying for months with no response

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 2022-01-07 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: FL

Complaint narrative:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX XXXX XXXX XXXX Please if someone can assist me with this i've been trying for months with no response

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 2022-01-07 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: MD

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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