vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 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: CA

Complaint narrative:
I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

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 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NC

Complaint narrative:
Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm filing a complaint against Equifax & the incorrect reporting of a collection account for   XXXX   XXXX   XXXX  , which is working on behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  . Equifax is reporting negative information about a medical ambulance bill that was paid on   XXXX     to   XXXX   XXXX   XXXX  . I have attached a copy of my receipt that was emailed to me directly from   XXXX   XXXX   XXXX  , so I 'm a little unsure why it was sold to the collection company   XXXX   XXXX   XXXX   in the  1st pla ce. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files  ASAP &  all further collection actions & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coulter Dove & Harris, PC
State: VA

Complaint narrative:
I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to take a very old closed account off my credit report. The account was last reported in  XXXX  11 years ago.     Account Details Last Reported Creditor Name   XXXX   XXXX     XXXX  Account Type Account Status   XXXX   Opened Date  XXXX   XXXX ,  XXXX  Closed Date   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Monthly Payment --   XXXX   XXXX   XXXX     Balance {$600.00} Highest Balance {$10000.00} Payment Status  XXXX    XXXX   Payment Status -- Date of Last Payment -- Amount Past Due {$600.00} Times  XXXX / XXXX / XXXX  Days Late  XXXX  Remarks --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My issue is with  XXXX   XXXX   XXXX  who are the bank for several store card such as  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX   XXXX , which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is the  XXXX  card. It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted  XXXX  they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score  because I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with  XXXX  bank until they have decreased all of my limits based on two months of trouble that has since been resolved. This is the second card managed by  XXXX  Bank where the credit limit has been decreased based on credit report. The report was provided by Transunion and the reasons listed were existing problems that had been on my credit report for years ( a  discharged bankruptcy that is over 7 years old  and a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, are two years old or older, existed when I had my credit approved/increased with  XXXX  Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that reason ).     XXXX   have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the Transunion Credit Report order hotline when they tell me they are sending me to an account specialist.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!

Company response to consumer: Closed with explanation