vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
They over drafted me in XXXX of 2023 of my direct deposit of over {$1500.00}, bills came off and over drafted me farther in over draft and late fees on my bills. When they fixed it and put my direct deposit back in I was still over drafted XXXX $ in late fees from my bills that came off. I argued with them and they refused to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. For a company that mentions the term Zero Liability in reference to fraud charges more than 100 times on their website, I feel I am treated incredibly unfairly and pretty far from what I would expect from any customer service. Please help me get my money back. Im crying for help at this point.

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 2023-05-08 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: FL

Complaint narrative:
Hello. I sent out the dispute letters to all XXXX major bureaus on XXXX They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Dates that I have been disputing the charges and balances myself. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Speak to XXXX XXXX XXXX National Credit System XXXX she said that was not willing to work with me. 

And I also have a collection repair company helping. And they started sending letters to National Credit System on XXXX. 

XXXX XXXX which is the original creditor. Misinformed this third-party collection agency National Credit Systems . I'm not sure exactly what was communicated between XXXX XXXX and National Credit Systems when it comes to the balance that I owe. I informed XXXX XXXX that I was moving out on XX/XX/XXXX. As I was moving out the manager XXXX was kind of upset that I was moving out He was giving me a hard time today that I was moving out and from the movers. even though I gave them a 60-day notice the day that I was going to be moving out which is required based on the lease agreement. On the day that I moved out, I gave the least assistant manager the keys to the apartment that was moving out on. So, I don't understand why I am getting charged for the whole month of rent if I didn't stay a whole month based on my agreement of moving out. This is why the National Credit system is charging me more than what I was supposed to be charged with XXXX XXXX already collected by keeping my security deposit. If my rent was {$930.00} a month how did it get to the amount that they're trying to charge and they're trying to charge me for the whole month 's trash, I don't know what the misc charges are and utilities. Where I pay my own utilities, I'm not sure where that's coming from. And on top of that National Credit Systems, I also sent some named XXXX XXXX acct number XXXX address XXXX XXXX XXXX XXXX XXXX GA XXXX along with my mail in my letter envelope had someone else 's collection letter saying that they owe a debt. When I spoke to the collections representative XXXX XXXX XXXX ) and I'll let her know she didn't seem to be bothered and she did not care. And she was not willing to work with me today regarding this collection balance due to me. 

I let some codes here. I hope they will help. 
15us code 1692 c 15us code 6801-6803 15us code 1681H 15us code 1681i 15us code1681a ( 2 ) ( b ) 15us code 1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was originated with XXXX XXXX and in XXXX of XXXX the loan was moved to be serviced by Mr. Cooper. I am a diligent payer of my mortgage and usually pay over the amount due to pay down principal and discovered I was dunned a late fee in XX/XX/XXXX. I noticed it and reached out to customer service and they refunded the payment ( albeit after a bit of a struggle as I had " paid '' the late fee ). I continued to pay my mortgage and excess principal monthly and discovered in XXXX of XXXX that I was again charged a late fee and when I looked back I had been charged late fees for every month in XXXX. It turns out that on the statement the verbiage stating when the payment is due instead of saying that the payment is " due by '' it states " If payment is received on or after *** a $ *** late fee will be charged ''. I assumed that if the payment was received by the " due date '' it wouldn't be subject to a late fee but I didn't realize that the payment was actually due the day prior than what was on the statement. I've now called them three times and they refuse to refund the late payments stating that I already paid them ( since i pay over the amount due every month ). There is no reason why i would be intentionally paying my mortgage one day late and paying a late fee. I think they intentionally put this date in place in order to garner late fees. I would look into the number of late payments they have received and charged to their clients that are only one day late as I may not be the only person who doesn't read this fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
There are several accounts on my report that isnt mine, I disputed them 3x and they have yet to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Good afternoon, My name is XXXX XXXX I am financing a XXXX XXXX XXXX through Hyundai Motor finance. I created an online account in their website to make payments. the first time on XX/XX/XXXX put my bank account information for autopay the payment got declined, on XX/XX/XXXX I was able to access and correct a number that was wrong in the bank account # and make the payment I received an email saying they received my payment authorization for {$430.00} and then another email confirming I am authorizing recurring payments to that bank account. 
On XX/XX/XXXX I finally received an email with payment confirmation of the {$430.00} that I made on XX/XX/XXXX, I decided to change the due date to the XXXX so another payment for the same amount {$430.00} was processed on XX/XX/XXXX the next day I received an email the payment was processed, and then on XX/XX/XXXX Hyundai sends another email saying my payment was not processed due to Returned Item - XXXX No account / Unable to Locate Account. 
At this point I am confused and upset if the payment I made using same bank account I left on autopay on XX/XX/XXXX went through why the one on XX/XX/XXXX got rejected?, I confirmed checking my statements on my Hyundai account and my bank transactions. I called Hyundai customer service on XX/XX/XXXX around XXXX EST and asked the supervisor XXXX why did this happened why my payment got rejected and they have blocked me from making payments online via my Hyundai account. She said because I had 2 rejected payments consecutive my online account is blocked to make any payments for 90 days and that I either must pay through the phone which will incur in a fee or send checks till then. she asked me how many numbers my bank account has, I told her XXXX, she said in her system only shows XXXX we also check last XXXX numbers. Now I have taken a picture of when I made my last payment and the account I left for autopay which shows XXXX. To what it looks Hyundai Motor finance is manipulating consumer 's information to charge late fees and other. Plus the 90 days block from my account seems like a harsh penalty seeing that I have put XXXX as down payment already for this car.

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
I previously had a numerous amount of debts with this company and they were resolved back in XXXX. I received a new letter today XX/XX/XXXX advising me about a debt from XX/XX/XXXX {$360.00} XXXX number : XXXXwith XXXX XXXX. Currently listed at the Aargon Collection agency in NV. I called the representative said all my other debts were resolved. And this one in particular is FRAUD! Ive NEVER lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX so this utility bill from XXXX XXXX would not be mines. I would like it to be deleted as I dont need fraudsters trying to screw my credit that I worked so hard to fix up! I would like to report this as fraud and want it to be removed ASAP! 

Ive attached supportive documentation showing a letter from XXXX providing this debts were resolved back in XXXX! Ive also attached the new letter to this claim!

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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Diamond Rewards Card I was offered a balance transfer promotion. The representative told me that I could make a payment the next day after receiving the funds into my checking account, and that the payment would be applied to the balance with the higher APR. However after making the payment, it was applied to the balance at the lower promo rate, because " the balances weren't updated yet. '' So Citi charged me 3 % for the balance transfer and is now charging me 24.99 % on my balance, which should be at a 2.99 % promo rate. I called several times and representatives told me each time they'd correct the error. However it was not corrected and I was charged interest at the higher rate. The last time I called about it, they told me this was my mistake and they couldn't correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
We experienced a loss of income due to Covid and are now able to resume our payments and have been for several months now. I've applied for a loan modification and have been told by your customer service department to wait until my modification had been approved to make payments, I've since then submitted two applications, have denied a repayment plan that was way above my ability to repay and am now going on my second appeal.

I have falsely been led to believe by your customer service representatives from the beginning of my forbearance that US Bank would help me by deferring my payments at the end of my Covid Forbearance. Very disappointed and frustrated and stressed, with the situation US Bank has put me in. I have done nothing but provided the required documentation that is needed vi XXXX just to be told by your customer representatives that they were unable to open the document files I had send with no notice but a decline of my application. I then submit a second application and was approved for a repayment plan that was unreasonable. I'm now on my second appeal letter, for a denial of my application again due to my income ratio being less than 38 % and I do'not meet program guidelines. What are you program guidelines? There is no explanation of what the program guidelines are and what numbers where used to come to this number. I'm self employed, have a season business and my income varies. If I new what the program guidelines where I could have a clearer understating of what is required of me to modify my loan and get back to making my monthly payments. I believe your calculations are incorrect and would like furthers assistance with my modification, but I can not get the help I need and answers to my questions after several attempts to contact my relationship manager, and by the way I have never been able to het a hold of and is constantly changing. I would like a call back from someone who can give me answers to my questions.

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 2023-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield is attempting to collect on a debt that is not owed. All of my bills were paid before exiting this apartment complex in 2018. I did not owe any remaining months as my lease was up and I decided to opt out and move. This is not the first time that I have heard of this complex selling false owed accounts to debt collectors, I just never thought it would happen to me. So, not only was I never contacted about this debt, I wasn't aware it existed until recently when I was denied moving into a new place and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, I was trying to withdraw {$1000.00} from my checking account ending XXXX. The bank fraud alert came in via text message on my cell phone ending # XXXX. And the cash was not disbursed due to " Security alert ''. I was told on that Text to type YES OR NO if I am the one who is trying to withdraw this cash. I then typed YES and was told to try again. 

I then tried again and disbursed {$800.00}. Bank of America took credit for both transactions for {$1000.00} & then {$800.00}. I filed a claim at the Bank of America, and they denied me not to give me credit of that {$1000.00}. I have the entire text message via my text & I even sent that as evidence. Still, they denied giving me the credit of my {$1000.00} credit.

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