vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 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:
Deposited check on XX/XX/2019 appx. XXXX, {$2800.00}. 
Checking account showed available balance of that check as of next day, XX/XX/2019. I did holiday shopping, paid bills and paid mortgage on XX/XX/2019 and XX/XX/2019. XX/XX/2019 I received an email appx XXXX stating the funds were held from the check I deposited. I contacted the bank and they stated the only thing I could do is get a notarized statement from the maker stating the transaction and its details are valid. Maker of the check is on Holiday with their family and I cant find it in me to ask them to draft such a letter, get it notarized, then fax to me. Furthermore, when I contacted the bank a representative assured me that my mortgage had posted, even though I didnt see such a thing in my banking mobile app records. Now, as of XX/XX/2019, the mortgage company is attempting to collect on the wire that was already sent. I just bought my home and do NOT need any late payment history. I also spent a few hundred dollars at local stores in town that likely havent been paid yet. I have processed hundreds of thousands of dollars through my bank via paychecks over the past few years. Now Im stuck to incur the potential late payment fees? Show my face to people in my small town who thought that since my debit transaction was approved they were going to be paid on time? Live off of credit cards for the next week and incur that interest? All because I deposited a GOOD check .... the maker of the check confirmed his bank had paid the funds in full to my bank. Why dont I have 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 monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i have called the companies THAT LIST PHONE NUMBER ON EXPERIAN SITE several times and they put me on hold, and do not come back and refuse to delete the unauthorized inquiries and Experian wont allowed any disputes of inquiries online. 

These listed companies have obtained my report from Experian without my authorization. 

XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding, LLC has reported an erroneous collection to the credit bureaus. They claim that I owe XXXX XXXX. I have NEVER had a XXXX XXXX credit card. I've asked LVNV via USPS certified mail to show an agreement that authorizes them to collect this alleged debt, an agreement that bears the signature of the alleged debtor wherein he promises to pay the alleged debtor, and complete payment history on this account as to prove that the debt amount you wish to collect is correct. They have provided NEITHER. This company 's irresponsible behavior has tarnished my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
This company while in contact with me went behind my back and set a court date when they already were speaking with me and were provided continued proof of receipt of government assistance. I asked them not to contact me or my work unless about settlement because they were so unreasonable and making the debt amount so high that I felt like ending my life. I have XXXX kids I can barely provide for. They made my employer with their garnishment threats treat me like garbage. This company is greedy has no regard for human life. They constantly set court dates and provide outrageous attorney and interest and other charges to make money of people that don't have any. It's disgusting. Tell my children why you won't settle for half of original apparent amount and why you threaten people when they are not able to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Issues Related to Wells Fargo Home Mortgage : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo Bank. Wells Fargo was notified of the bankruptcy on XX/XX/XXXX. At that time, WF ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with Wells Fargo. I applied for mortgage assistance several times, and in the process, Wells Fargo referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX  and XXXX. I found that Wells Fargo reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called WF on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that WF was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first WF representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

WF has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the WF account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to WF.

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 2019-12-03 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: FL

Complaint narrative:
I am an identity theft victim and I've attempted to resolve this matter several times with no results

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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless 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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a rental of a XXXX XXXX over at the agency of XXXX  the day of XX/XX/19 for the amount of {$1000.00}. The charge was made the same day XX/XX/19 around XXXX. The XXXX XXXX would be picked up around XXXX. But the agency called me and notified me the XXXX XXXX was rented to some one else. Immediately I head over to the agency to figure out why. The XXXX  decided to sell me a XXXX XXXX for the amount of {$3000.00} total as is. The purchase was made around XXXX. The agreement was they were so-pose to refund me the rental fee of {$1000.00} for the XXXX XXXX   thats was not rented XXXX told me the money was going to appear in my account with in 3-5 business days.. the total amount that was charged to my account was XXXX on the day XX/XX/19. 
Now on the day XX/XX/19 there was another {$1000.00} recharged to my account. To know the reason of that charge I called XXXX  agency for an explanation. Their answer was the {$1000.00} that was removed from my account on the XX/XX/19 was not processed correctly that there was an error. I went to the nearest local bank and asked more information about that money and the bank said the rental fee was never in my account it was pending but never proceeded to make it valid. 
So now their is a confusion with my bank and XXXX of XXXX XXXX. Neither of them know where that rental fee went ... so some one is owing me that rental fee but neither my bank or XXXX  clears this mess.. 
XXXX  is willing to cooperate with me and show me any information but my bank does not explain properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
I am an identity theft victim and I've attempted to resolve this matter with both parties but receive no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
Promissory note was sent to the company and accepted ... never returned, the XXXX XXXX XXXX XXXX  is a third party, I have no bilateral contract with XXXX XXXX XXXX XXXX, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of XXXX XXXX XXXX XXXX, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This company while in contact with me went behind my back and set a court date when they already were speaking with me and were provided continued proof of receipt of government assistance. I asked them not to contact me or my work unless about settlement because they were so unreasonable and making the debt amount so high that I felt like ending my life. I have XXXX kids I can barely provide for. They made my employer with their garnishment threats treat me like garbage. This company is greedy has no regard for human life. They constantly set court dates and provide outrageous attorney and interest and other charges to make money of people that don't have any. It's disgusting. Tell my children why you won't settle for half of original apparent amount and why you threaten people when they are not able to fight 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 2019-12-03 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: OH

Complaint narrative:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter

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 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
XXXX and XXXX XXXX We have a home loan with RP Funding account XXXX we moved in in XX/XX/2017 there was the hurricane in XX/XX/2017 we had roof damage an other damage as well we hired a claim adjuster for the repairs because we had problem with the insurance company. We won the case and the insurance company sent us the check of with the the mortgage company name as well so XXXX took the check down to RP funding because we needed the roof fix as soon as possible because of the leaks we had, so they told him that he had to mail it to there home office. In which there procedure is they will keep 10 percent of the check until we finish the work an we are to mail the paperwork to them showing what was done an afterwards they will mail us the ten percent back. So XXXX been talking with a lady name XXXX at RP Funding XXXX ext XXXX an all she been doing is giving us the run around my husband has emailed her all the document and she keep telling him that she never received them he has sent them to her over an over he even ask her to send him something an she did he got an he sent the paperwork back to her she still say she didnt get it. Even the insurance adjuster tried to talk with her an she said they dont talk with them so XXXX ask her would she speak with out insurance company because they even came out and inspected the work after the county came out an XXXX said that they can hold the check until we finish paying the mortgage off, so my husband ask to speak to a supervisor an she came back on the phone an said that they need all the paperwork she wouldnt allow him to speak to anyone. What right do they have to keep the check we pay our mortgage on time we are not behind this is our place of resident we have repairs to finished an there holding XXXX XXXX dollar of money that rightfully our yes we understand they are the mortgage company an we are in good standing this is our second home an we never had this kind of problem with a mortgage company an we have had other repairs done an not one problem with the mortgage company RP Funding mortgage company is not living up to how they advertised themselves, we cant get pass XXXX she want let us talk with anyone else there can they hold that money for 30 years thats when the mortgage would be paid off we are both senior citizen so we probably want be around that time so can you please tell us what steps to take to resolved this matter thank you in advance XXXX an XXXX XXXX We can be reached at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our house burned down XX/XX/2018. We immediately contacted our insurance and mortgage company. When insurance pays they send it to your mortgage company all of it not just what you owe on the mortgage. NewRez Mortgage company is who we have our mortgage with. It has been like pulling teeth to get them to pay us the money that insurance sent to them. We tried sending the builders pay schedule, ( they said they dont work like that ) sent too many emails to count, made phone calls etc. They either take a very long time to get back with you or they dont contact you at all. When you call them they tell you they will do something but they dont. They tell you they will call you back but they dont. They tell you they have not heard anything but then you talk to another person and they tell you they have heard something. We had to have 2 inspections done by them to receive more money after The first one we never heard back so we started calling and they had sent the wrong form to be filled out so it was a bogus inspection. They finally sent money but they sent it to the wrong address so we had to track it down and what should have been overnight took over a week for us to receive We have also had the last inspection for a final release and yet we have still not been given our money. The inspection was done on XX/XX/XXXX They are suppose to have 10 days to release funds but when we can finally get someone on the phone. They say we have not received an inspection report or We received a report but it came back at showing the house was only 1 % complete or they dont call or write you back at all. We are officially living in the house now and they still have not released the money or contacted us. We have asked for the rest of the money plus the interest earned while they were keeping the money but we never hear from them. We have had to borrow money and cash in 401 documents and cash in mutual fund documents etc. all of which we will have to pays thousands of dollars in taxes on all because they would not release the money in time for us to pay the builder. I dont know how they get away with treating their customers like this. We have no choice who our mortgage gets sold to and maybe none of them are any better but this whole experience has been made 100 times worse because of how NewRez chose to do things.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation