vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX I was a Wells Fargo customer, I had a regular checking account, I received what I thought was a check/ debit card a few months after I had opened a checking account, i assumed it was a mistake and they had sent me another XXXX debit card. I called and activated the card, and found out I had XXXX limit. Moving forward at that point I did use the card and I did pay it in time. The account was closed soon after, not by me but by someone in the credit dept, I had got a auto loan for a XXXX XXXX, it wasn't much, XXXX, when I went to sign up, my payment went from XXXX month to XXXX months, I wasn't good with that and was told to make the first payment and then they would redo the loan and get me where they said it would be originally, I went back after the 2nd payment to talk to the lady, she was no longer their, the man I spoke to told me he was sorry but couldn't help me, after several calls to that man, he left the branch also, I told them I wanted my original deal I was promised,, about 3 months later they came and took it in middle of the night. A them fees and all the credit card XXXX  XXXX they put me through was stupid. I put XXXX down on the XXXX and lost that and lost all the insurance I had at my expense that I paid Wells Fargo for. I will never so much a look at any XXXX of them shady places again to ever do business with. Every thing they told me was a lie, then to top it all off I was paying for a saving account I didn't agree to, and I business checking account that I was paying a charge that I didn't want of need. I didn't have a business at the time, I worked for someone and had direct deposit ever wk going to my 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent Equifax a letter informing them to send me how they are verifying the account listed on my credit report ( XXXX XXXX XXXX ) because I also challenged these accounts with XXXX XXXX XXXX and per XXXX XXXX XXXXXXXX investigation they was not able to verify the above account. I have also sent all three companies an identity theft report however Equifax keeps posting this account under my credit report as verified and have yet to send me any information on how this account is proving verified on their end. Attached is the letter I sent to Equifax and a copy of the identity theft report.

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Holds on Checks, freezing my account, excess overdrafts fees based on the checks, closing my account for no 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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Very confusing and not getting transfer with low interest for XXXX months

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Took over XXXX dollars twice from a 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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
At the time filling 2020 taxes no received the XXXX, account was cancelled and discharged for an amount of {$7400.00}. Never notified that was a balance taking interest when the car was sold. IRS auditored and put it like an income.

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo information where breached All my information where past down

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 — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of america has my account frozen and has been this way for a week. No one had reached out to me and when I call they provide me with no information. This has caused ne to be late on several payments where late fees have incurred.

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: 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:
I have been charge over draft fees. For years!!!! Even when I still had overdraft protection!! I took it off because my money has been taking out for 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 2023-01-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Venmo debit card was stolen on XX/XX/XXXX, which was reported to the company and the police. 

9 charges were made to the card for an amount close to XXXX dollars. 

I Notified the company when the charges were in pending status, they told me that to make the claim possible I had to wait until the status of the charges were completed, On the weekend I was notified that 7 of the claimes were denied that means that I am not gettig my money back Also there are 2 claismes pending to be resolved.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried to get this removed from my credit report I also I have called to dispute them I have filled a police report that someone has been using my information no one has helped me try get this removed from my credit report im trying to fix my credit score I never had anything under my name before or any thing no car no house no loan no bill 's I live with my parents every thing is under their name 's so I don't understand why this is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IN

Complaint narrative:
I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}. 
Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment. 
I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.

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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid two to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. Toyota has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX Toyota tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from Toyota and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I wrote XXXX on XX/XX/XXXX in reference to debt appearing on my credit report from a company called XXXX XXXX. I called acceptance rentals who informed me that that sold my information to a 3rd party Vance & Huffman LLC. I then wrote Vance & Huffman LLC who sent me what appears to be signed contracted. This was a digital copy of a contract with my name typed on the line. Next this company shows that that debt was obtain in XXXX and was paid from a XXXX XXXX account and the account number ends in XXXX. I have been with XXXX XXXX since XXXX I have no account ending in XXXX Also, that have an unclear copy of an id attached to this contract. I have never obtained anything from this company. I demand to see VERIFIABLE proof please. I want to see a clear photo of id that was used to obtain the debt and a second from of information linking me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a XXXX XXXX XXXX female senior citizen filing a fraud complaint against Wells Fargo. 
XX/XX/XXXX someone name XXXX XXXX @ XXXX hacked my niece XXXX XXXX email account XXXX. When I sent emails to her, I thought I was communicating with her. My niece and I were communicating via email about a XXXX payment. She asked if I wanted her to send me her XXXX account. I said yes. She sent information twice, immediately. I sent a XXXX transaction for XXXX from my deceased son, XXXX XXXX XXXX XXXX. After I processed XXXX transaction, a Wellsfargo representative called me to make sure I knew this person. I informed her I was emailing back and forth with my niece. XXXX hour after the XXXX transaction processed, I texted a screenshot of the XXXX transaction to my niece asked her to check her account for the money. She texted back and said no money was in her account and she never set up her account to accept XXXX transactions. I immediately called Wells Fargo and filed a fraud complaint. They researched and sent 2 letter on XX/XX/XXXX stating this was Scamming and not Fraud. I called to file an appeal and said this was fraud and I wanted that XXXX put back in my deceased son 's account. My appeals was denied.

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: Nelnet, Inc.
State: PA

Complaint narrative:
I contacted NELNET through email and also uploaded a document to their website with no response or action taken. 

I did get a response through using CFPB and they state not enough information and this has already been investigated. 

NELNET is violating my rights according to the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELNET # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This debt collected is calling me on No caller ID 4-7 times a day. They call on sundays even. They call constantly all day everyday. Then they call with their number showing. Ive asked them numerous times to stop but they wont. Its comenity bank for XXXX and XXXXXXXX XXXX This has started on XX/XX/ and has not stopped. I cant even sleep and rest.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have two cards with XXXX XXXX XXXXXXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show 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 2023-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NE

Complaint narrative:
I am dealing with Reverse Mortgage Funding LLC. I had a Hail Claim which I turned in to my carrier XXXX XXXX. They issued me a check in the amount of {$27000.00} which I encorsed " FOR DEPOSIT ONLY '' to account XXXX XXXX in bank XXXX and then signed by my wife and I. 
Consequently this was a restricted deposit and I was the first endorsement. I do have the proof. 

XXXX endorsed it with 3 of their companies and the subsequently cashed it. I have asked for it and always had excuses and lies for not giving it to me. I have repeatedly asked where it is and they would not tell me. Now they file bankruptcy - no wonder they would not tell me. At our age we can not afford to lose this money to fix the hail damage as we don't have it. They have turned things over to XXXX XXXX XXXX XXXX and am not making any headway with them. To me, they are trying to steal money from us seniors. I have done everything they have asked but they keep asking for more. Some of which is impossible at this point. Since I was XXXX with a restricted endorsement they should not have been able to cash that check They should send me their check. I do have a copy of the front and back of the check they endorsed as proof. PLEASE help me get my {$27000.00} so I can fix my house. Why should I have to hire a lawyer to get this - is there any protection in cases like this?? It certainly proves that reverse mortgagees are not the best for us elderly. I should have backed out in the beginning as I was getting XXXX  around then. but I stuck with it..PLEASE HELP! If you need further informatiion, let me know. Thanx, XXXX XXXX

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have two cards with XXXX XXXX XXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show 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 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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have two cards with XXXX XXXX XXXX One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was charged extra high interest fees etc ....

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: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
My home 's value was re-assessed in XX/XX/2021 which raised my property taxes. Once I received notice that my taxes would go up, I immediately went to my United Wholesale Mortgage XXXX XXXX to ask an agent what actions I would need to take to make sure my property taxes were taken care of. The agent told me that there was nothing I needed to do and XXXX would take care of it and my new monthly payment would include the new property taxes. 

After months, I started receiving delinquent bills from my taxing bodies ( City, School ). I contacted XXXX and again, they told me no further action was needed on my end. I continued to receive delinquent notices from Collections agencies and they told me they would put a lien on my home. After all the misinformation, I eventually ended up having to pay the taxing bodies myself. This resulted in XXXX of dollars of penalty fees. 

I have images of the agent chats I had with United Wholesale Mortgage. I understand it may have been a mistake on the agent 's part, but it was deceptive to me and resulted in XXXX of dollars in fees that I paid based on incorrect information provided to me.

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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX is reporting fraudulent items on my credit report. The items are Professional Debt, XXXX XXXX XXXX, and 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: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I first applied for my credit card I was not informed about how high my interest rate would be each month! 

I was mislead by the personal banker who set up my credit card account. I am also being charged interest fees for my checking and savings accounts as well!

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts are incorrect and adversely affecting and hurting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage with citizens bank with my maiden name. They are currently merging with XXXX bank and I recently had a hard inquiry for XXXX bank. Next thing I know I receive a credit & debit card in my name from XXXX bank for which I did not apply. Citizens leaked my private information to this XXXX bank without my permission.

Company response to consumer: Closed with explanation