vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In the summer of XXXX, I applied for a student loan from Wells Fargo to attend XXXX school. At the age of XXXX, I had no idea what I was signing and as I look back I felt they preyed upon me. I was not working and had no idea about the financial end. They never asked for a co-signer but because I had good credit granted me over XXXX for a student loan. At that age, I had no idea what I was doing. I work very hard and pride myself on my current and past payment history. I have been paying the loan since XXXX and it has gotten nowhere. I have sacrificed many years being away from my family to make more money doing XXXX  XXXX trying to pay my loans. I now have my own family and am experiencing financial hardship due to the Wells Fargo irresponsibility of qualifying me for a loan, that I now know should have never been granted. I feel they have set me up for failure. I do not know what to do since I can not file for bankruptcy. I am complaining because I never would wish what I am going through on anyone. As hard as I and my husband work we still can not afford to buy a house. It also has prevented us from having any more children. If there is any guidance you could give me I would really appreciate it. Kids need to be educated before granting them any loans on their own.

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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

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 and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove inquires from my credit report. XXXX told me to list them individually for them to remove them. Please see attached police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove inquires from my credit report. XXXX told me to list them individually for them to remove them. Please see attached police 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 2022-12-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX 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 2022-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We just received ( XX/XX/XXXX ) written notice from Wells Fargo Home Morgage that our escrow account has a XXXX projected shortage of {$450.00}. They are requesting we pay the total amount of {$450.00} no later than XX/XX/XXXX. Wells Fargo is projecting that property tax and homeowners ' insurance will increase in cost. My question : Does Wells Fargo Home Morgage have the authority to raise the escrow fees based on their projections.

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 2022-12-20 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: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I have home mortgage through Southstate Bank in XX/XX/XXXX. My initial mortgage amount XXXX. The XXXX year my mortgage increased to XXXX. The third year I'm receiving mortgage bills for XXXX. I called initially on XX/XX/XXXX to question. I was told it was the property tax. Contacted the XXXX XXXX assessor dept to inquire. They did not have me as this being my primary residence. Submitted the forms to correct. I was told the difference is between XXXX XXXX XXXX XXXX XXXX. Called Southstate Bank on XX/XX/XXXX for explanation on how a XXXX XXXX difference on a home purchased for XXXX can result in a XXXX dollar increase on my monthly mortgage and this is creating a financial hardship on maintaining my mortgage. The answer I received is they underpaid the initial tax and is adding the tax for XXXX years into my mortgage payment. Explained that XXXX is beyond my monthly budget. Was told they would contact the tax assessor for a correction, but I'm still liable for the increased payment. Asked if the tax amount was incorrect on my initial mortgage and was based on income. How can I be expected to pay more than double. Says they will research. I've paid the increased mortgage for the past XXXX months and can not maintain that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/18 XXXX a.m. ATM at XXXX XXXX XXXX XXXX. 
I tried to withdraw XXXX dollars from my account ( non-Bank of America account, even though I am a BOA customer ). The ATM gave me back my card, but no funds were disbursed. I drove away from the location. There was another car right behind mine and they had to take the money if it was disbursed after I left. 
I went to another ATM machine and withdrew XXXX dollars with no problem. 
When I went back to my house, I checked the balance in the account and there were XXXX withdrawals for XXXX dollars. 

Bank of America feels they are not responsible because it isn't a BOA account. I went to a branch and asked if could review the videos they have to see what happened. They refuse to do any research. 
I called many different numbers and they say they can't help me. 
I have filed a police report to ask BOA to review their tapes. I am sure this is not a priority for the XXXX Police Department. 

I would like to know if something can be done to have BOA review their recording. 
Any help will be greatly appreciated.

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 2022-12-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
by fcra rights and laws for my consumer protection i have not given trans union .XXXX  XXXX XXXX  i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

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 2022-12-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
by fcra rights and laws for my consumer protection i have not given XXXX XXXX .equifax XXXX XXXX i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
When I purchased the home 4 years ago I put down over 50 % in the first 30 days. I received a letter saying that due to my current equity I no longer will need to pay PMI. 
I should never have been paying PMI. When I called about the letter they said my loan to value wasn't there, but it is now. This is not true. 
On my mortgage statements I saw the wording, XXXX XXXX XXXX XXXXXXXX knowing this entire time that it was PMI. 
The mortgage company has been giving the run around and hung up on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Called bank to discuss my account for being overdrawn for a certain amount of money I had the money in the account to pay merchants and then next day I have an overdraft for considerable amount over that amount paid out the money was transferred from my savings account to my checking account to pay the merchant but I still was assessed I overdraft and a fee I don't understand how this could happen they just told me that because the merchant didn't receive the money at the time of the transfer or the day of purchase I had overdraft my account how can my account be overdraft when I had the funds in the account to pay the merchant I was overdraft twice the amount of the purchase the following day. And assessed an overdraft fee the next day

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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Called my cell phone 6 times on XX/XX/XXXX and so far 3 times on XX/XX/XXXX before XXXX XXXX. I do not know who this is but when I looked up the number it came up as CDI - a debt collection company.

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 2022-12-20 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: TX

Complaint narrative:
Wells Fargo repossessed my XXXX XXXX truck and I had to pay to get 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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/2022 credit acceptance opened an account for me. Through a third party which is XXXX XXXX. Upon looking over the account Ive found multiple violations 15 usc 1681 604 A, N, I 15 usc 1666 B XXXX gap XXXX interest on the loan XXXX illegal repo / theft of vehicle XXXX identity theft XXXX deceptive practices

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 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/22 I did a mobile deposit with Truist Bank into my savings account for a check totaling {$4500.00}. The check was deposited into my personal account even though it was made out to a business. Truist ended up rejecting the deposit because it was made out to a business and not me, which is fine. Over a month later, I reached out to the maker of the check to have them stop the payment and reissue the check in my name. They said they are unable to put a stop payment on the check because the bank has the funds on hold - even though they are indicating the funds will not be released, which is fine. However, they are refusing to release any funds to the maker. I need this resolved and no one is willing or able to assist.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2022 I received a letter from PennyMac stating that my property taxes on my XXXX property were overdue, and that I would be in default of the loan terms if not paid within 14 days. I paid the taxes on the same day of receipt, XXXX XXXX, and I paid them in full. As requested by PennyMac, I sent in proof of payment ( verified Credit Card receipt AND proof of payment from XXXX XXXX XXXX, showing that XXXX taxes were due on my property. I then received a phone call with a recorded message on XXXX XXXX, stating to call about my account. There were no details left, nor which property and I have XXXX loans with this company. Also, when I answered the phone to PennyMac, it is a recorded voice telling you to call them, and no human is on the line, On XXXX, when I was finally able to call and speak with a person, I was told that my taxes were unpaid. I explained that I had both FAXED and POSTAL mailed proof of my payment XXXX weeks prior. The service rep was able to fix everything but it too, XXXX minutes and am very concerned that because of this they will try to default my loan based on unpaid property taxes. How does such a gigantic company not update its records for XXXX month? I also believe that the company should have to leave detailed information about what the issue is and what property it is specifically. I also had received an email from PennyMac about the status of my account on XXXX XXXX. I called that day and the rep said there were no issues with any- all XXXX of my accounts. And then today, I get yet another phone call- robo call without any information- even though I answer the phone, you get a recording telling you to call them. The rep also said I had requested I have now spent several calls, hours and emails for something that should not have even been a problem. It is very frustrating and this can't possibly be good business practice. It causes extreme anxiety to threaten a patron with flawless payment history and had complied immediately to continue be told they will possibly default the loan and this company should have either more employees and have some checks and balances so this doesn't continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account. 
When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of. 
I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems. 
On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly. 
On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim. 
To make a long story short, it is now 5 months later with no end in sight. 
I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question. 
I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints. 
It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference. 
I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution. 
Can someone please help me? Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: DISCOVER BANK
State: MN

Complaint narrative:
I have called and disputed this with the companies I also have sent them in police reports and other information and theyre still updating and sending the same information to the credit bureau without deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Century Credit & Collections, LLC
State: GA

Complaint narrative:
On XXXX 2022 I had spoke with my credit bureau and they explained that it was a hard inquire from XXXX XXXXXXXX on my credit report from XXXX. I contacted XXXX XXXXXXXX on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.

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