vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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:
I had multiple unauthorized charges and then one day they took my card for me for a full year! Ive been banking for over 15 years with Wells Fargo. Just recently I had an order that never was received and cant contact the company so I called my bank to reverse the funds. 3 months later the money was taken back out and still no outcome to resolve this. Even before they reversed something saying I recieved double credit from something on XXXX which was like {$300.00} and I didnt and it never got resolved

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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Existing claim # XXXX if you have questions or need more info contact me via email please - XXXX. I do not have a phone right now. XXXX. 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 2023-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have old addresses, phone numbers, and wrong names on my 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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. 

Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. 

Again, my attorney has sent Columbia Debt Recover/Genesis certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. 

I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. 

I've also attached my XXXX  scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX XXXX XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX XXXX score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
We originally had a mortgage with XXXX XXXX. After COVID19 we did a forbearance with XXXX XXXX. 
It was then sold to Roundpoint. While with Roundpoint we did a forbearance due to COVID19 with them. We never signed any paperwork like we did with XXXX XXXX for the forbearance. Our Mortgage has now been sold to XXXX. 
After the loan was sold to XXXX, we learned that Roundpoint did a loan modification. I never signed any paperwork with Roundpoint approving this loan modification. My loan is now more than what I paid for the house in 2017. I have been trying for almost a year now to reach someone at Roundpoint for paperwork about this Loan modification and no one will return my calls or answer me. I am needing help and I don't know where to turn! 
Because of this loan modification they did I am stuck with PMI on my house that we should of been able to have removed by now. 
Can someone please help me or please tell me who I should reach out to. 

I do not know what paperwork or forms you would need from us but if someone could reach out to me I will be happy to send you what I have. Again, I have our forbearance papers from XXXX XXXX but nothing from Roundpoint other than our statements.

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 2023-01-20 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: FL

Complaint narrative:
The National Consumer Assistance Plan which is a settlement reach between my resident State of Florida Attorney General Office and the 3 Major Credit Bureaus including Equifax states that Debt collectors must provide information about the original creditor and account type when reporting this information to the Credit Reporting Agency or the Credit Reporting Agency can not report or publish the debt on the consumers report.

The Alleged Debt Collection Account Being Challenged Is As Follows ; ** Alleged Debt Collector Name : XXXX XXXX XXXX  ** Alleged Account Number : XXXX Second : The National Consumer Assistance Plan also states Debt Collectors can not report debt that did not arise from a contract or agreement to pay. I've requested the Debt Collector listed on this account provide me a signed contract or agreement that I have with them and it's been over 30 days and I have not received a response from them. 

Third : Re : XXXX guidelines for Metro 2 reporting states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

( See Attached Reporting of Account From Equifax ) There is much information that is missing from the way the alleged debt is being report ; therefore, how can it be deemed as accurate, complete or correct? 

Equifax as a Credit Reporting Agency ( CRA ) as stated by XXXX they are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( XXXX ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

Also, the Fair Credit Reporting Act 15. U.S.C. XXXX  1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file. 

Also, please provide Physical Verification As Proof of This Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was closed, they stated that I deposited a check that was bounced and I didnt put no check in my account, so I dont understand where its coming from. So my account was closed and they saying I owe them 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 explanation
Consumer complaint received 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency may 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 more then seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe thst the information is inaccurate

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 2023-01-20 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: DISCOVER BANK
State: FL

Complaint narrative:
File a fraudulent dispute on XXXX XXXX, name of transaction : Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$300.00}, Fraude Dispute amount : {$300.00}, reason- unauthorized and have been having this issue with you all for months without resolution, this is a Debit purchase. I was told falsely by multiple agents that they have filed the fraud claim but that was a lie. I would like my funds back via check as this was unauthorized and you all closed my account without explanation. I have provided all information you all asked of as well as filed police report and still having issues with this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One Credit. 
XXXX I have reached Capitol One Credit dept and all 3 credits bureau to remove the delinquent filed by Capitol one XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, Capitol one purchased Lord and Taylor Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account Lord and Taylor in full and had no issued. 

I was told by Capitol one customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
Capitol one did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted Capitol one and paid the amount due on XX/XX/XXXX. Capitol One file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. Capitol one report is incorrect as there was no balance due on my Lord and Taylor account. Capitol one added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of Capitol one my credit has been tarnished for seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened a XXXX  account with BMO on XX/XX/XXXX. Prior to that I had no accounts with BMO. 

I linked my checking account at XXXX  with BMO to deposit the initial funds into the BMO XXXX. 

On XX/XX/XXXX, the funds were debited from my XXXX account in the amount of {$200000.00}. I am including the confirmation from BMO that the account was funded as an attachment. 

I lost access to the account website on XX/XX/XXXX. All of a sudden my log in credentials no longer worked. I called the bank and spoke to XXXX XXXX XXXX ) regarding my account ending with XXXX. I believe he works in their fraud department, and he requested I email him sensitive information ( SS XXXX License ), which I provided to him. I asked him to call me with confirmation of receipt of this info but I never heard back. 

I called XXXX back numerous times over a XXXX hour time period on Friday XXXX. His voicemail is a recording that XXXX is not available and to leave a message. 

Eventually I connected with XXXX ( XXXX ) at BMO on XX/XX/2023. 
She confirmed the account was opened on XXXX I confirmed the following with her based on previous emails and conversations with BMO employees : a. explained XXXX shows the transfer went through b. My back and forth with XXXX XXXX explained that I received XXXX emails about trouble funding the account and XXXX snail mail letter from the Fraud department all on Tuesday, XX/XX/2023 ( attached ) XXXX I told XXXX I want to move forward quickly unlocking this account - they can reverse the funds back to Ally or I will send complaints to CFPB & OCC. 

XXXX put me on hold while looking into the transfer from XXXX. 
As per XXXX : XXXX. The funds became available to BMO XXXX XXXX. BMO was unable to accept the funds. I asked why not and she told me there is no explanation showing on her computer. 
XXXX. She said the funds are being returned to my XXXX account. It will take XXXX business days and they should show in my account on XXXX ( these dates are from XXXX ) My Ally account as of XXXX still does not show that the funds have been returned to my XXXX 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 explanation
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 2023-01-20 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: FL

Complaint narrative:
In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
This company is violating Arizonas Statutory limits of 3 years of credit card debt. The company is utilizing higher ups to coerce payment and exercise stall tactics in order to continue to violate my consumer rights as a United States citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
There unauthorized charge for {$800.00} withdrawn from my account on XXXX XXXX at XXXX and I contacted XXXX XXXX in regards to disputing this charge because it was fraudulent and they denied my claim stating that it was no errors made and was authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am reaching out because I have completed my monthly payments with XXXX in collaboration with XXXX, and as of now, XXXX is claiming that my balance is still past due and is accumulating charges. This has resulted in increasing credit card charges as well as a significant decrease in my credit score figure. I have reached out to XXXX  customer service, XXXX  security and Fraud, and XXXX  about these charges, but they have turned me away and said I had to be in direct communication with the other individual business, and that they are unable to initiate an internal dispute for this because I am outside of our 60 day dispute window. I am attaching the following documents to help support my claim, in PDF format.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: MS

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX  ( Bank ) Hard Inquiry : XXXX Hard Inquiry : 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I previously had two accounts with Wells Fargo. Two different times between the year XXXX to around XXXX. I closed my account with them and choose another bank, because they could not explain to me why I was being charged numerous overdraft fees. This matter was discussed with them many times with nothing getting resolved. I ultimately closed the account and still paid them what they said was owed. This matter still has me upset years later, and I ask that this matter be investigated.

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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello : My daugther Died on XX/XX/XXXX during the covid thing. I was eventually forced to catch up all her house payments XX/XX/XXXX or they ( Wells Fargo ) was going to start foreclouser on her house. I sold her house in XXXX XXXX. I called Wells Fargo and asked if there was any money to me. On XX/XX/XXXX they told no money was owed to me without any research being done. When i mentioned the CFPB name they were very short with any question I asked about a refund of any kind. Can anybody help on getting a complete answer on if I am entitled to any refund home payments and payoff of her home. thanks in advance.

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