vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Received notification on XX/XX/23 that my Synchrony savings account had been " Restricted ''. In speaking with customer service via phone on XX/XX/23, I was told that it was Restricted because I had added my wife 's XXXX XXXX  checking account - which is solely in her name - to my Synchrony savings account and initiated a {$600.00} transfer to her. I explained that the Synchrony system allowed the account to be added and did not warn against using an account with a name other than my own. Regardless, I have to wait 3-5 days for the money to be transferred back to the Synchrony account before I can remove my wife 's XXXX XXXX account. But even then, I'm told my account may be frozen for 30-60 days while it is " reviewed, '' which is unacceptable. The money in this account was from a recent house sale, which is needed to purchase a new house.

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Covid Loan Modification : I originally was informed about Covid loan modification in XXXX XXXX  I was informed that the months that had not been paid ( approx 12 ) would be added to the back of the loan. I applied in XX/XX/XXXX and despite calling consistently for updates, did not receive a response until XXXX XXXX The modification added 15 years to the loan. I spoke to customer service who initiated a new application according to the original terms I was told in XXXX XXXX This application was approved in XXXX and sent to the wrong address, so I received it 20 days into the 30 day response period.. Additionally it had my ex-spouses name on paperwork, which needed to be removed. Due to receiving the information late ( wrong address ) and the need to update names, I was told the application response period closed. I applied a third time, and the covid modification was denied. I was told underwriters denied the modification because my house burnt down ( information Id given them nearly one year prior ). I asked ( and did not receive ) clarity on how it had been approved prior. I was told about XX/XX/XXXX, that I needed to pay approximately $ XXXX or face foreclosure on XX/XX/XXXX. This caused me significant distress resulting in the need for emergency care. Upon leaving the hospital on XXXX XXXX, I paid the owed amount. I then learned that Carrington had reported the delinquent amount to my credit while I was in the hospital on XXXX 
Loss Draft : My house burnt down in XXXX XXXX When Carrington received the insurance check they held it, saying that I had a cloudy title. Upon researching the lien number with the county records office and bank, I found that there was nothing tying the debt account ( from another individual ) to my property. Carrington got it wrong, provided no explanation and held my check for nearly 2 months while I had to do the research to figure out their error. This significantly shifted the rebuild process and increased costs due to the time of year ( weather ) and inflation. I can no longer afford to rebuild my home, which will cost me over XXXX XXXX Further their negative credit reporting impacts my ability to purchase. 
Carringtons misleading Covid modification information, extremely delayed process, wrong address, coupled with misinformation, erroneous cloudy title and a mid-year policy change has resulted in the loss of my house and ability to rebuild or purchase a home with insurance funds. Ultimately they have forced my hand to use insurance funds to pay off the loan and have caused extreme limitations to me securing an actual dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: SC

Complaint narrative:
Just overdraft, really unsure because of the time that has passed and due to my memory loss

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 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AmOne Corp.
State: MD

Complaint narrative:
Somehow they got my info from XXXX and start texting me, calling me several times a day even thought I sent STOP on their texting but still calling morning afternoon and night. just amazing how aggressive they are. I never gave them a permission to call me or text. 

this is just spam calling and I just can't stop them to calling me and leave voicemail even though I block their number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Received letter in the mail from XXXX XXXX stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from Experian and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with Experian- they never alerted me to this inquiry. I called XXXX XXXX  also and XXXX confirmed that someone did try to open account/credit line and they used my 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My account was overdrawn several times due to the bank not having my accurate amount in my account. When money was deposited into my account they was taking it out without my permission.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NC

Complaint narrative:
I have been current in my conventional loan payments since loan origination on XX/XX/XXXX XXXX # XXXX. 

I requested Arvest to remove PMI as I had satisfied all Arvest Mortgage requirements for PMI cancellation. The requirements include paying the principal amount to {$230000.00} and paying a Brokers Price Opinion fee of {$150.00}. I paid the {$150.00} Brokers Price Opinion to remove the PMI on XX/XX/XXXX. 

I received the PMI termination confirmation email from XXXX XXXX in the PMI department from XX/XX/XXXX. 

I also paid two Mortgage Insurance premiums on XX/XX/XXXX for XXXX and XXXX. 

Since then, my XXXX MI certificate # has been cancelled. XXXX # XXXX. 

I have also satisfied all requirements for PMI cancellation according to the PMI Cancellation Letter sent from Arvest. 

I noticed my upcoming Mortgage payment due XX/XX/XXXX includes the PMI payment. 

I have called Arvest Mortgage customer service multiple times receiving different answers including, I will still have to pay the PMI premium until XXXX and XX/XX/XXXX. 

Arvest Mortgage refuses to produce any evidence of me owing PMI premiums for XXXX and XXXX, beyond the PMI termination date. 

Pursuant to 12 U.S.C. 4902 no further payments or premiums may be required from the mortgagor ( Arvest ) 30 days after the requirements have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank has taking stolen a lot from me. I had a personal loan with them that is paid off and I am still being charged and is still on my 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 explanation
Consumer complaint received 2023-01-19 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: GA

Complaint narrative:
My account has been closed for over a year because I left them due to their lack of attention and willingness to help. I dont have any of my paperwork anymore nor will my local branch get it for me. There customer support was a lack of service!

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 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I had my XXXX XXXX XXXX XXXX I felt like the funds in my account was being withdrawn and deposited inaccurately.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Summary : My credit card and account was frozen 5 times without valid reason. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transactions. Most were face to face transactions of under {$50.00}. The triggering transaction was a face to face {$20.00} purchase at an orchid farm in my home state. Another mentioned suspect transaction was a {$12.00} face to face purchase at a local bakery. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi, validated the suspect transactions, the same ones from the XX/XX/XXXX call. I escalated this recurring unwarranted freezing to a supervisor who stated the prior agents did not properly close out the suspected transactions. He stated all is good and it wouldn't happen again. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi. Agent stated account frozen due to malware warning on online account and unable to provide further details on the time and place of intrusion. I escalated this to a supervisor who clarified there was no malware, but the reason the account was frozen was a procedural need to change my username and password, which should have been communicated by the prior Citi agents and supervisor, which were not. 

This continual unnecessary overzealous freezing of my credit card and online account, exacerbated by a series of comedic agent and supervisor procedural errors, needs to be brought to light. 

Citi has all to benefit from overzealous freezing of accounts, at the inconvenience and cost to its customers, for me it was over 2 hours of phone calls ( attached is a call log to Citi 's customer service from my mobile, which doesn't include calls to Citi 's fraud, eservices and other calls ) and an additional 2 hours unlocking and recreating my online account several times. Standards should be set on the suspected transactions and amount of freezes.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an account and I don't even know why my account was closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I qualify to get funds from Wells Fargo for improper handling of my mortgage back a few years ago. Sold the loan in the midst of getting a loan modification. Had to sort sell home to avoid foreclosure with new lender. 

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 2023-01-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I was sent a collection notice for {$160.00} from on XX/XX/XXXX Sequim Asset Solutions, LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Sequim stated they were collecting on behalf of XXXX XXXX XXXX for a past collection. 
When I had XXXX XXXX XXXX several years ago I was on XXXX and never received any additional bills when I switched to XXXX XXXX. All XXXX XXXX XXXX  bills were texted to my phone- I never received a text for the above amount. 
When I initially found out about the debt collectionI reported this as fraud to my credit reporting agency. 
I called Sequim and they stated that they had no information regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Someone trying to open Personal loan, checking account, and credit card all from Wells Fargo.This affected my credit score by having hard inquiries on my credit report the only thing I have with Wells Fargo is my mortgage

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Applied for loan and was denied when my credit wasnt bad!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX has turned in an account for collections from XXXX XXXX. The account was opened in XX/XX/2022 according to my credit report. The original account with XXXX XXXX was opened by someone who stole my identity. The amount of the debt is {$1600.00}. I have spoke to XXXX XXXX XXXX to let them know this is not my debt and was the result of identity theft. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
They have charged several overdraft fees to my account on funds that were refunded from the retailer. I explained to them but the refuse to refund me my fees. They have incorrectly charged me thousands of dollars over the years.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was with Wells Fargo for along time but I had to leave it because I kept getting overdraft and money taken out of my account without my knowledge and fees taken from me and they never explained why so I had to close my account and go somewhere else

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They said I missed 2 payments, and didn't contact me in any way to inform me for 6months, what they thought was going on... this messed up my credit rating, and I never missed a payment. I am currently trying to buy a house and can't do it because of this .....

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, Ive disputed these accounts several times in addition to filing a complaint with the Cfpb and the incorrect information constantly came back as verified which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i.

15 U.S.C section 6801 without written consent from the consumer, I never consented to my account being furnished The late payments reported in this account are a clear violation of 15 U.S.C 1666B XXXX  XXXX : This account is reporting a date opened on XX/XX/XXXX, but reporting date opened on XXXX as XX/XX/XXXX ; in addition, Transunion is also reporting a high credit on a closed account ; for {$340.00}, while XXXX is reporting a {$0.00} high credit. 

Open Sky : This account reported the date opened as XX/XX/XXXX but XXXX reported the date opened as XX/XX/XXXX ; Transunion also reported a high credit of {$390.00} on a closed account while XXXX is reporting {$0.00}. Last Transunion is reporting the date last active as XX/XX/XXXX but XXXX is reporting a date last active as XXXX XXXX XXXX : This account is reporting the date opened as XXXX XXXX while the XXXX and XXXX reported XXXX date opened as XXXX XXXX. TransUnion is also reporting a high credit on a closed account in the amount of {$480.00} ; while XXXX and XXXX are reporting a high credit amount of {$0.00}. Transunion also reported the date last active as XX/XX/XXXX while XXXX reported the date last active as XX/XX/XXXX TransUnion is also reporting an incorrect address XXXX XXXX XXXX which was the result of fraudulent activity and was supposed to be removed. As well as the employment XXXX which I have no knowledge of. 

And inquiries in which I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX Please delete these accounts and update my report in addition to the last few creditors who checked my score.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Received letter in the mail from TD bank stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from XXXX and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with XXXX- they never alerted me to this inquiry. I called TD BANK also and theu confirmed that someone did try to open account/credit line and they used my SSN number/

Company response to consumer: Closed with non-monetary relief