vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Multiple Wells Fargo XXXX cardholders I personally know have been attacked with fraud. Wells Fargo is failing to acknowledge that it is a widespread issue and has no guarantees as to future security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: NV

Complaint narrative:
I sent a letter to XXXX XXXX demanding my {$1000.00} down payment back on XX/XX/2022. I sent this letter certified with USPS tracking numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo, unjustified fees taken from my previous account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
I received a notification that there was a delinquent account added to my credit report that is not mine from CONSUMER ADJ CO- XXXX. I have no record of this account and it is fraudulent. XXXX shows {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was constantly being charged the overdraft fees. I had nothing but problems with Wells Fargo when I had my account with them a lot of times they would freeze my account and I couldnt get a hold of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I attempted to do a loan modification with wells fargo in 2013 because I was laid off from work. I was mislead and misinformed. The loan modification did not go through and I lost the home that I worked so hard to aquire and keep. Also I lost on on a {$10000.00} insurance claim. Wells Fargo kept the entire check from XXXX XXXX after I repaired the home from a leak/ flood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wallet was Stolen and I had All My information social security Card '' debit cards for WELLS FARGO And MY CREDIT CARD AND I TOLD WELLS FARGO AND THEY HAVE BEEN BLAMING ME AND DIDN'T NOT REIMBURSE ME OR MY MONEY AN BY WELLS FARGO NOT TAKING CARE OF THIS SITUATION MY CREDIT SCORE WENT SERIOUSLY DOWN AN I WAS AT A XXXX CREDIT SCORE ''!! THAT HAS NOW PUT ME DOWN TO A XXXX SCORE "!! 
WELLS FARGO IS NOT A GOOD RELIABLE BANK .I HAVE BEEN WITH WELLS FARGO SINCE 2017 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had loan with Wells Fargo Bank. At the time I did not default on the loan, I contacted them in good fait to refinance my loan & by the time they settled things with me they caused me to be behind ( 1 ) payment. I was & am a single lady low income but I paid my bills. They caused me to spiral out of control. I tried calling so many people on so many levels. I feel I was scammed. I actually then had my home sold for cash & for more than it appraised for. They said I did a loan modification rather than a refinance. I was told it was a refinance. So when I tried to close on my home they would not let me & I lost {$30000.00} in escrow & my money I needed to retire on. They forced it into foreclosure. I had to sign on XX/XX/2017. I paid my house payment for sometime after & finally had to move out. 
I was told even by my realtor this was a bad deal. I just pray Im one of those they found did me wrong. 
Thank you for your time XXXX XXXX I do have all my closing papers. 
Wells Fargo went ahead & sold my property for the cash offer that was my! 
It was theft at its finest. 
I now have to live with my son & his wife down the street.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello my name is XXXX XXXX, I used to be a customer of Wells Fargo, when I started working back in 2019, I decided to let my paycheck go to Wells Fargo bank. I use an XXXX XXXX so I have subscriptions that I was paying for and also other things that I was paying for, once the payment was being made, I would start to notice that the payment was being deducted from my account twice. I didnt understand what was going on so I called Wells Fargo and explained what was happening and they said that sometimes the payment doesnt clear right at that moment so it may take it two or 3 days after the post payment. This happened frequently, even when I was no longer working anymore I tried to keep money in my checking account but they were withdrawing from the account more than it was supposed to be and then I got hit with unwanted overdraft fees. My balance was at {$150.00} maybe {$200.00} now and it maybe more, they closed my account out and said I had to pay the money to have my account reopen, I dont know if more money was getting sent to that account or not but I can still login but I just have no account to view anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo charging fees that are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: 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: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-21 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:
Money is taken out then the bank charges me an overdraft fee, an unauthorized charges, my account gets locked and receives a new card but it still happens more frequently and Im just tired of it, however the overdraft fee doesnt go away! Is {$35.00} per draft when it wasnt my fault

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue. 
I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2011 I received a letter from Wells Fargo/XXXX who they owned that my property taxes were delinquent and unpaid. I sent them information that they were on an approved installment plan and current. XX/XX/2011 I received confirmation that they had accepted my proof of payment for property taxes. On XX/XX/2011 I received an additional letter stating that my property taxes were delinquent. I sent the same letter and proof to them that showed current on property taxes. On XX/XX/2011 they accepted again my proof of payment. On XX/XX/2011 I received a letter that they had paid my property taxes for a totals of {$54000.00}. They in turn tripled my monthly mortgage payment to recoup the XXXX over 18 months and I was unable to pay this. They in turn foreclosed on my property with a trustee sales date. I was able to Short Sale the home just days before the scheduled foreclosure at the court house. I hired an attorney which I could not afford to keep. The paperwork i have still is quite incriminating. The attorney determined my total loss to be upwards of {$450000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
Received letter from XXXX XXXX XXXX representing Absolute Resolutions Investments LLC claiming I owe {$19000.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from Absolution Resolutions on XXXX never received information on owing these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I was wrongly charged multiple overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has closed my credit card and refuse to refund the credit balance on my account due to their XXXX bias against me. 
When I called them to request this credit they insulted me with XXXX slurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They charged irronious fees on our 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged over drafted fees which was incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Inquiry of my credit report were made to financial institutions without my knowledge. 

The institutions were : M & T Bank, XXXX XXXXXXXX XXXX and XXXX XXXX. 

Plus other financial institutions. 

Froze all my credit reports. 

Put dispute resolution in the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had account with Wells fRgo the claim they frozen my account there was over {$4000.00} in my account they frozen it I don't know why they was mean about 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The year of 2021 included a total amount of XXXX $ in overdraft fees. Wells Fargo refused to reimbursement these amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was XXXX  from XXXX During this timeframe I received an {$1800.00} stimulus check - that i sent to my friend XXXX XXXX XXXX he opened a CapitalOne 360 checking account with my permission and deposited the check. Capital One 360 checking account number XXXX the address on file is XXXX XXXX XXXX XXXX XXXX Texas XXXX Capital One froze the account with the {$1800.00} in the account still. I was released from XXXX  on XXXX and live at XXXX XXXX XXXX XXXX XXXX Texas XXXX where there is no CapitalOne bank- I have a valid Texas Drivers License which I provided to CapitalOne along with copies of the bank statement and debit card they sent me- however they will not release the funds to me. I have contacted them over 12 times and sent copies of my drivers license to them without any action being taken to close the account and release the funds to me. XXXX XXXX has an active power of attorney that they rejected. However since I am no longer XXXX  the funds can be sent directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: ID

Complaint narrative:
On XXXX XXXX XXXX I spoke with Flagship Credit about not being able to make my payment in full until XX/XX/. At the time I had requested that they call my cellphone phone instead of my work number. The man on the phone assured me they would no longer call my work phone and that has been true thus far. He attempted to pressure me into making my payment over the phone while I was at work even when I told him I only had about {$50.00} in my account. I assured him that the payment would be scheduled online and it would be pain on XXXX XXXX XXXX He said he would take me off of the call list until that date. They called my husband one time on XXXX XXXX XXXX  and called me 3 times on the same day. They have also called me 3 times on XXXX XXXX XXXX The amount of phone calls is becoming ridiculous and I was only XXXX week late when they called. They are calling me like I am months behind on a payment. I've given them the when and they can't even given me the courtesy of seeing if I do it. I'm not perpetually late. I would not recommend anyone to use this company based on the last few days of being harassed with phone calls. Some have even come as late as XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: 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: MI

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


Account name : 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: 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: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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