vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking and savings account, I was receiving direct deposit from my employer every week. My account started to have money missing and appearing deposit under different accounts then disappearing our of the account I called and complained to Wells Fargo that I suspected fraudulent stuff going on. 
Wells Fargo investigated the account closed it then send me a letter say I owe XXXX. I looked over what the XXXX and most of it accumulated from Wells Fargo 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited my irs check in my account around XXXX in my Citibank account . The amount was about {$1200.00}. Due to my husband unemployment checks being direct deposit into my account. My account was froze. I visited the XXXX XXXX on XX/XX/XXXX to retrieve my money. When I got there the teller XXXX XXXX said she cant do anything from her end. I then spoke to the branch manager XXXX XXXX, who directed me to sit down with representative XXXX XXXX to see if I could get my money that I deposited by check into my account. We called a specialist on the phone from the fraud department named XXXX, she advised that I couldnt get the money that they were still investigating my account. Nothing was accomplished. I contacted Citibank almost everyday to get my money from the check I deposited and all I was being told was they are investigating my account. I would have to wait for a letter to be sent out and 60 days from the date on the letter I would receive a check in the mail. I received a letter dated XX/XX/XXXX. I contacted them in XX/XX/XXXX to see the status of the investigation. Then I was told the funds dont belong to me and that they would send the funds back to the Dept of Labor XXXX XXXX  Still havent received anything till this day. No check in the mail or money sent back to my husbands Dept labor account. Im not working and I really need my irs money back. I have been under a lot of stress and the situation was not handled with professionalism or care.

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were in receivership fully intending on keeping the vehicle and they repossessed it

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made two payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on XXXX and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on XXXX that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
was denied lowering payments due to being laid off.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This Account belongs to a Company it is a Corporate account. It has been open for three years now it was never reported to my personal credit. Now out of spite because the account was 30 days late the bank has reported onto my personal credit.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello! This company, close my accounts ; all my credit card, them they report it on my credit, stating I didnot maintain it, nextduring XXXX and XXXX etc. I gave up never heard back from customer service at all ..I did get any funds back, some accounts seem to was made up in my name afterwards.. even though the amounts was small, I hated my credit was damaged Im still trying fix it, I guess it just one those things that want go away..

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 2023-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness, ad causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Excessive fees, over charging, misrepresentation, incorrect banking statements, unfair credit reporting, wrongly withheld funds, closed account without notifying us properly. These events and fees caused excessive damage especially to our personal finances leading us to have to close a very productive business and sell our home and move.

It would take some time to obtain files but Im certain I could prove every allegation.

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 2023-01-22 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had online banking with them I kept getting unauthorized charges and overdraft fees for things I didn't know about taking money from my paychecks I've almost had shut off for my bills because of it

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 2023-01-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX and XXXX there were many fraud transactions that was made and wells Fargo allowed these transactions while having fraud protection and bank never gave me any of my money back we are talking thousands of dollars

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 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CT

Complaint narrative:
XX/XX/, Several charges were made to my card from the Cash App company in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX to a company called XXXX XXXX which I never authorized and only XXXX of the fraudulent charges was reveresed and all other denied several times, without any resolution. I've called support several times for help and still am left without any of my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was charged overdraft fees and a.hard time closing the 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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
It was several times that money was taken from my account without my authorization. Who and why they was taking my money I do not know but I wish I can get my money back.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When they authorized my loan, my mortgage payment remained at an amount and after a year they increased it more and then I don't know why, when they told me that my mortgage payment was going to do the same for 30 years and Wells Fargo increased it payment 2 times

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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had opened an account the account was closed down and my money was gone out of the account and when I called I was hung up on several times then about 3 months later an account was opened in my name and I had no knowledge it was closed completely and im not unable to bank in my name through bigger banks due to fraud situation this all took place in 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 2023-01-22 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: Financial Data Systems
State: NJ

Complaint narrative:
This is a notice for FINANCIAL DATA SYSTEMS to cease and desist ALL communication regarding this allege debt. WHERE IS YOUR PROOF? Who sent you to furnish my consumer report? What is our relationship and where ANY documentary evidence of this alleged debt? You have 30 days to send a deposit statement, a contract or a statement of obligation with my wet signature on it, until then CEASE ALL COMMUNICATION this includes but not limited to phone calls, emails, social media, or ANY CONSUMER CONSUMER REPORTING AGENCY. Please only respond in writing to confirm your acknowledgment of this letter. If you do not cease communication, a lawsuit will be commence against you. 
Thank you for your cooperation. 

please find attached a FTC report for identity theft. 

DELETE THIS ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
Unknown to me at the time Credit Acceptance Corporation XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  issued me a high interest vehicle loan that has extra charges and fees attached to it and seems to have locked me into a horrible circumstance. When I had a financial hardship I was not given a fair restructuring of payments and during the height of XXXX, though advertised, I was denied a pause on payments or a stop on credit reporting during time of past due balance. I am now in repossession status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22 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: MD

Complaint narrative:
Opened a checking account went to close out told me it wasnt any money but in order to keep the account you had to leave at least 20 in theee

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 2023-01-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Loan with account # # # # # # # opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX diffrent dates of last activity., there are XXXX different account STATUS, XXXX XXXX reporting a DEROGATORY, while EQUIFAX XXXX a PAID account. XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while EQUIFAX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I spoke to a agent about it being unlawful for another person to be able to garnish my funds without a legal document signed by a judge.and the agent/supervisor said they can without showing proof of a signed legal document from a court of records.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo has been taking money from me since XXXX unauthorized transactions up until now I recently had gotten paid but they never gave me my money they said it was included with my available balance which wasnt true at all please help me I am so sick of them taking my money. I decided to close my account but while trying to do that its like they wont let me close it for some odd 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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Fay Mortgage Company purchased my Mortgage and increased it dramatically. I requested a hardship modification. It almost seems that they are purposefully stalling on the hardship documentation, taking forever to process it. In the meantime, their online system will not allow me to make payments. The system indicates that I can not pay because I have " scheduled payments. '' The scheduled payment section clearly shows no " scheduled payments. '' ( examples Attached ) I have called and spoken to a rep who assured me my documents were being process timely and that the system would reopen to pay online. No " partial '' payments could be made. The mortgage statements and the website advertise " an updated website '' and several ways to make payments but this is false. The time frame to catch up on my payments is running further behind and my loan will be foreclosed upon. My credit is being destroyed and I am getting the run around in all directions. In addition, Fay failed to pay my homeowners insurance through escrow causing the insurance to lapse. I held this insurance policy for over 20 years. I now have to pay the insurance myself. The whole website and payment process is a failure. I have attached all the statements which clearly show that I can not make payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Im the main driver of the vehicle that is in wifes name, soon to be ex, Ive been trying to work with finance company but they want budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: MS

Complaint narrative:
They closed my account without me knowing

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had to close account. Kept getting overcharged. N.money took

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I was buying a house in XXXX, Arkansas At XXXX XXXX XXXX XXXX, Arkansas, XXXX. 
In XXXX I entered into a Contract of Sale Owned by XXXX XXXX, ( Desease ) XXXX XXXX. 
I paid XXXX monthly. This doucement was filed in : XXXX XXXX, Arkansas, on XXXX XXXX. 
It is recorded in XXXX XXXXXXXX XXXX  XXXX. After making payments fro 5 months. 
XXXX XXXX died. 
A law firm representing Wells Fargo. By the name of XXXX XXXX XXXX XXXX  XXXX XXXX, Arkansas. 
Sent me a letter stating that Wells Fargo Had foreclosure on the property .I had 20 day 's to leave the property. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I still feel I was treated un justly.l reached out to Wells Fargo,. 
I spoke to XXXX XXXX about this matter. 
I never heard from her.

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