vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/2022 it was an excellent time to open an account with Wells Fargo. I had checking, & savings linked, but on the XXXX of that month. I deposited a check worth {$9700.00} someone bless me with, the only problem my name wasn't spelled right, and XXXX claimed the check was made out of rubber. On XX/XX/XXXX my account was closed due to this issue of matter. I can't do any kind of business would like to sue for everything plus interest. XXXX bad, and good news about this financial industry. I personally wanted to give them a chance because the co-founders started out in California. The state I love and missed so much on an everyday basis. Finally, & this is the thanks yours truly receives back awful!

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 2023-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied was trying to refinance my existing mortgage because the agent told me that I would be able to get enough money back to put a new roof on my house. I went through all the paperwork. The agent told me I would have to get a home inspection that they would arrange but I would have to pay for it. Which I did, it cost {$500.00}. Once the inspection was completed the agent then told me I would not qualify for the refinance. I questioned why they would let me get this far into the process and pay for the home inspection if they new I would not be able to get out of the home the amount of money needed for the new roof. The communication was cut off between the agent I was talking with and a new person was now talking to me. Which this indicated in my opinion they knew he screwed up. I requested to be reimbursed for the {$500.00} I wasted on the home inspection and they never responded to me again.

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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions, is carrying a debt from XXXX XXXX that should have been paid by my insurance company. Radius Global Solutions LLC has NOT provided an address of the original creditor nor have they responded to my return letter disputing the debt. LLC 's are not recognized by Federal Law, and I am wondering why this company is attempting to act on debt collection in accordance with federal Law. I need them to relinquish the debt as it was not theirs in the first place.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BILL.COM, LLC
State: CO

Complaint narrative:
I had a Business Checking account with XXXX, who on XX/XX/2022 suddenly terminated my account. I immediately reached out to customer support, and was notified by XXXX on XX/XX/XXXX that they had discontinued their Credit Builder service. As such, they would return my funds ( {$120.00} ) within XXXX weeks. 

On XX/XX/XXXX I reached out again, having not received my funds and being unable to withdraw them manually. XXXX assured me my funds would be transferred within 57 business days to my linked checking account. 

As of XX/XX/XXXX, it is now 2 weeks since that last contact and more than a month since the first, my funds are still frozen, I am unable to withdraw them manually, and my Debit Card has also been canceled. I am locked out of my account, unable to access my money, and being lied to repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Usaa denied me a personal loan of XXXX because of insufficient income. I'm retired XXXX with deposits into my checking account. I have been with usaa for over XXXX years and have been denied a personal loan every time I apply. I think this decision was made incorrectly because of insufficient income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
This mortgage company took over my loan and now there are errors on their billing statement and their voice-mail is designed to not allow a real person to answer the phone.

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 2023-01-23 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: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-01-23 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: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I received a phone call from someone who spoofed their number to be Bank of America and said that my funds were going to be taken out unless I transferred the funds to a XXXX  authorized number. I ended up wiring the money over and filed a claim immediately which was denied by Bank of America. However, I think that I should be able to receive my funds back under the Regulation E act.

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 2023-01-23 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: TX

Complaint narrative:
I had leased XXXX XXXX XXXX XXXX car and my lease ended in XX/XX/XXXX and my account was closed with no payment due. In XX/XX/XXXX XXXX reported my account ( after more than 1 year of account being closed ) was closed in settlement when in fact my account was never late in payment or settled. It resulted in my XXXX XXXX drop my XXXX points from XXXX too XXXX. I created dispute with transunion 3 times and it did not resolve it as it seems they do not investigate properly. I spoke to XXXX XXXX customer support and they said XXXX should not have reported it since my account was paid in full and the sent me letter as a proof. XXXX asked me to created dispute to report and they will take that out of my report. I did create dispute again and result was same as before since they kept that on my report. I am attaching letter from XXXX XXXX that says my account was paid in full. I attempted to resolve it with Transunion and XXXX XXXX respectively and it resulted in no fruitful result. I will kindly appreciate if you could please resolve it since after this my last resort would be to file legal lawsuit again Transunion and XXXX. 
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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BILL.COM, LLC
State: CO

Complaint narrative:
I had a tenant who applied for XXXX XXXX XXXX  to avoid being evicted. After a long battle the XXXXXXXX XXXX XXXX approved his application. The XXXX  XXXX XXXX utilizes XXXX to send payments. I had provided all documents and passed verifications with the XXXXXXXX XXXX XXXX, hence why they issued the payment. I got an email from XXXX saying I had been paid and to enter my personal information. I did that and the payment processed. It was for a later date then i thought so I was on chat with support which took forever. I was kind of playing around seeing what XXXX was about. Not doing any transactions. I added my other bank. I was getting very misleading information from the chat support and it wasnt making sense, They werent answering my questions and at one point XXXX XXXX just refused to respond. I lost my trust in this company I went and removed my bank, I asked for my personal information to be removed after the payment was made. No response. I get an email from their Risk Operations via email XXXX asking for personal information to be sent. It was information on the account that I had already disconnected from their platform and made no transaction with. I repeatedly asked why, that account isnt on XXXX. It violates Banking Privacy Laws. I was not comfortable providing information to this company. I had no choice but to make an account to get the payment so that a family would not be on the streets. They blocked the already verified payment and used that as leverage to force me to give them information on an account they had to legal right to ask about. It was say no and my tenant was evicted or comply and they send the payment. I did comply and they released the payment. I asked for names, department contacts, they would not answer any question that would give me an opportunity to inquire about their practices. I feel my right have been violated, and banking privacy laws were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently lease a nail shop down in XXXX XXXX and i have heard good things about chase business account so i decided to open a checking account with them and planning to open a business account with them when i m done moving down to XXXX. So i decided to deposited XXXX dollars in cash when i first open my account. And after a few days, chase decided they wont do business with me and holding my money XXXX. Also i was going to use the fund to order chairs and a lot of things from XXXX. Ot usually take over a month for items from XXXX to deliver to the XXXX. And now because chase has been holding my money XXXX, and doesnt give me a specific time as when they will release my fund. It takes me longer to open my business and thats really hurt me. I need chase to release my fund so i can start paying for items i want to order from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was financing my XXXX  XXXX XXXX with Wells Fargo and was having financial hardship they repossessed my vehicle for one late payment demanding total amount of loan amount left of about {$6600.00} after repossession and had about 8 months left on the loan terms and charged us with GAP Insurance while we had full auto coverage. I have been reimbursed in small increments for the GAP insurance but I truly believe that I qualify for payment on the unlawful repossession according to the most recent Wells Fargo Settlement.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My checks deposited were held for more than 10days I had trouble with refunds and returned payments I was overcharged for interest rates overall I had very bad service with wells Fargo.

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 2023-01-23 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: GA

Complaint narrative:
I AM NOTICING SEVERAL INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My funds were being taking out of my account without my acknowledgement..

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
This account is XXXX, Subserved by LoanCare.This file is in the Foreclosure Avoidance program. Which is required by the state of Oregon. 

Between XX/XX/XXXX and XX/XX/XXXX I the Homeowner provided my Housing Counselor with the documentation for Loss Mitigation review. The last document, a requested Letter of Explanation explaining why the Homeowner used a XXXX XXXX with an explanation of the eldest childs income and the XXXX bank statement was uploaded XX/XX/XXXX and the file submitted to the Beneficiary Counsel for the Beneficiary to review. 

Since my Housing Counselor believed it was a complete file, he contacted the Beneficiary attorney on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the Loss Mitigation decision. 

XX/XX/XXXX was the 2nd Resolution Conference, and my Housing Counselor was only then informed by Counsel that LoanCare was confused by the request for Mortgage Assistance, deemed the file incomplete, and had communicated that to Counsel within the last couple of days. 

This lack of communications from the Beneficiary to Counsel so that I ( the Homeowner ) could resolve the issue in a timely manner is unacceptable because LoanCare never communicated that they considered the file incomplete until the Resolution Conference XX/XX/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 2023-01-23 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: HI

Complaint narrative:
XXXX is not doing their job and removing late payments

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 2023-01-23 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: HI

Complaint narrative:
XXXX is not doing their job and removing late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
I got charged throughout my years now and then for nsf and I never got it 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 2023-01-23 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: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a business credit account that I used to pay taxes at the end of the year. I called to verify that nothing was on this business card prior to me using it and there was a XXXX balance so I paid taxes using this crrfit card for the year 2019. After I paid the taxes I took {$5000.00} cash to the bank to pay the card off off. I continued to receive statements stating I owed this money after it was paid off. I contacted Wells Fargo with this complaint and was told they could not go this far back and tell me what the charges were from years earlier and this was because the card already paid off. So I have paid this money off that was already paid in cash. Unfortunately at the time, I didn't have time to dispute as I would have normally done and didn't want anything on my credit so I just paid it. We have been doing business since the XXXX days and I have never been so disappointed and is actively looking for someone else to take over our business accounts. This company gets more disappointing yearly with fraud and abuse. Although, I feel this will still never be addressed as previously at least I have made the company aware.

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 2023-01-23 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: PA

Complaint narrative:
Subject : filing complaint on This credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company Around the beginning of XX/XX/2022, I disputed several accounts on my Credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In the summer of 2022 I was contacted by US bank and informed that they wanted to refinance my home loan. I worked with them for many months getting them all the documents that they requested all the time the company kept assuring me that the terms were still good. The underwriting was taking forever and I kept checking in with them and they told me because of a merger with another bank. I finely received notice that I was being denied due to insufficient collateral even though I have 80 % of the loan amount in a bank account. I feel the reason the loan was denied was because the agreed upon terms were not as lucrative for the company as the federal rates increased. 
I feel they should honor the agreed upon terms and the loan officers garentee that the loan terms were still good.

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