vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX repossessed our XXXX XXXX from our lessee XXXX XXXX. We found out that there was a claim filed with XXXX XXXX. We found out in XXXX of XXXX that the damages were paid for via a two party check made out to XXXX XXXX and XXXX XXXX XXXX XXXX We reached out to XXXX XXXX XXXX and they found out the check was cashed without the endorsement from XXXX XXXX XXXX XXXX. The damages were not repaired and we had to pay for repairs. We filed a forgery claim against Wells Fargo Bank in XX/XX/XXXX. The claims center at Wells Fargo advised that we need a claim number that is in a packet that they send to XXXX XXXX. I reached out to XXXX XXXX and they still have not received a packet with a claim number to get things moving forward and Wells Fargo advised me that I can not get an update on the forgery claim without the number.

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 — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
In the beginning of 2021 PHH Mortgage allowed a government sponsored COVID deferment to our mortgage, at the encouragement of the PHH relationship managers. They suggested placing the past due payments, or deferred payments at the end of the loan. This would be a separate amount due after the mortgage balance was fully paid. Once deferment was over PHH requested a loan modification due to the COVID deferment. Signed papers were requested. PHH then would not accept the notarized signatures that were requested and sent by PHH. PHH then would put a time limit to receive the signed and notarized papers. This happened up to 5 times. In the midst of trying to correct the signature issues mortgage payments were sent to PHH, some were accepted, some were not accepted, then other times we were told not to send payment at all. Now after seeking legal assistance while PHH threatens foreclosure our attorney is struggling for clear dialog with PHH. They now are saying the mortgage is in active foreclosure. PHH is not willing to work through their own admitted errors by their underwriters and escalation department. Our attorney has made repeated efforts to work this out with them and PHH refuses to cooperate. This is resulting in added attorney fees while PHH is adding " delinquent '' ( We feel there is no delinquency because payments were paid as were due but not accepted by PHH at their instruction ) interest and/or fees that PHH will not explain. We feel like we have exhausted all efforts to please PHH Mortgage and are open to resolve but seem to be getting no where.

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: VA

Complaint narrative:
According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by XXXX XXXX from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The collections that are reporting is inaccurate. I would like to see these collections removed.

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 — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Mortgage company stole my insurance money. 

We've been dealing with this since XX/XX/XXXX. Have already demanded and completed the post-loss inspection and submitted XXXX and other internal documents. They requested an inspection ( completed XX/XX/XXXX ). 

They still have refused to sign or endorse check, even though their own completed inspection report says that the mortgage company will place no liens or holds against the property. The money is my property. They know this and are intentionally refusing their endorsement and will soon make the insurance proceeds useless. My check is set to void XX/XX/XXXX and still there is no definite timeline of when, or if they will allow, the check to be deposited. If that happens i've lXXXX XXXX XXXX XXXX XXXX XXXX directly by the company 's actions even AFTER complying with their contracts and terms and we'll be left with no options. 

The mortgage company has decided to keep my money they have no legal or contractual right to, and we are concerned that the check will void before they ever do.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I started getting a lot of overdraft fees and they closed me out

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: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been charged a {$5.00} service fee since 2021 each month when I was never told about this!

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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX with XXXX cellular service was cancelled on XX/XX/2022. I continued to receive bills until XXXX of 2022 stating I owed {$170.00}. That amount was turned over to XXXX XXXX and then to AmSher Collections and had increased to {$180.00}. I attempted getting this settled with XXXX at there store at XXXX XXXX XXXX, XXXX, XXXX  and also by numerous telephone calls to their customer service department. It never ended with a resolution. I have documentation from them that shows i paid the phone amount and the bill. It shows {$0.00} amount for the lease phone and last charges paid of {$36.00}. I have sent this information to AmSher, to XXXX and to XXXX as disputes. With no satisfactory resolution. I cancelled the service, through the steps I was given by their CS rep. I could not return the phone to the store at that time ( XX/XX/XXXX ) because the service had been cancelled. The store rep called customer service for return shipping label for the phone and they were told it could not be done because the phone service had been cancelled. I then received a " return your device as soon as possible '' letter dated XX/XX/2022 stating to return the device no later than XXXX days ( XX/XX/2022 ). I did so on XX/XX/2022, paid the fees/cost for the return and received a {$0.00} balance owed letter for the phone and a paid receipt for the last amount owed on the service of {$36.00} or {$37.00}. This needs to be further investigated on why I have a collection on my record. No one thus far has told me EXACTLY how I owe these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My I.D . was stolen and all of my credit cards they stole from and my bank account they stole from refunded my money EXCEPT U.S.A.A. They not only won't refund my money but they have added another {$3000.00} in their fees. They also will not remove their negative report about me from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I have ABSOLUTY NO contract with Cain and Weiner Company.

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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I always have issues with the founds in the account do to balance or checks not being drposit on my accoint the day they said it was going to be there.

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: 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:
My account kept growing more and More into the negative. I called the customer service line multiple times to verify if XXXX was off because I didnt want it on to begin with. I was assured everytime that it was off yet more transactions were still going through further making the account more negative and assessed more overdraft fees until my account was forced closed and sent to collections.

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: SC

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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : 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 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 than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that 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: 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: SC

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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : 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 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 than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that 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: 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I requested a consumer report from XXXX. I received my report from them XX/XX/XXXX. After reflecting over the report I noticed there was some incorrect information that they had on file. I have enclosed the dispute form they sent me and asked them to correct or remove the inaccurate information. XX/XX/XXXX. I sent this certified through XXXX. With the dispute form I also included a letter head from XXXX dated XX/XX/XXXX stating they did not have any record of me applying for credit. This application is being reported 3 times with XXXX. I have enclosed copies of the consumer report to reflect what they have on file. 


XX/XX/XXXX I received an updated consumer report from XXXX showing where they corrected the name on my report and removed XXXX of the CC applications from XXXX XXXX, but did not remove the other XXXX applications, claiming they were verified and would remain on file, although, I sent a letter head in from XXXX stating they had no record of such application. 

They are also falsely reporting a bankruptcy on my consumer report, claiming that XXXX XXXX XXXX has furnished this information. 
XX/XX/XXXX XXXX XXXX sent correspondence stating that they have deleted the bankruptcy from their file. I have enclosed this document. 

XX/XX/XXXX XXXX sent correspondence stating that they deleted the address associated with this bankruptcy as well as the name associated with this bankruptcy. I have enclosed this document. 
XX/XX/XXXX I wrote to The XXXX BANKRUPTCY COURT requesting their procedures on reporting bankruptcy information. 
XX/XX/XXXX The XXXX Bankruptcy court wrote back letting me know they do not report this information. I have enclosed this document. 
XX/XX/XXXX I wrote correspondence to XXXX requesting their reports on me and they clearly state that if the bankruptcy was before XX/XX/XXXX they did not report this information to XXXX that it went through XXXX. I have enclosed this document. 

XX/XX/XXXX I am now disputing this information again with the XXXX dispute form they provided and copies of the consumer report along with the letter heads and documents to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I believe I am part of the class action lawsuit for fees on my checking account I had an account in XXXX for a few years

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I keep accruing overdraft fees when my account is not being calculated correctly. My payroll deposits are being submitted entirely too early and then re posting days later with a ridiculous negative amount along with fees that at the time when process showed money was there. I have not been receiving refunds from companies that shouldn't have withdrawn money in the first place. There have been companies that I didn't authorize taking money and causing more late fees and wells gatgo only wants to take half of the fees away. I have had this account for over 10 years and still this day the same issue is occurring and I'm being charged for fee after fee making it hard to maintain my bills and afford 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 non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: DC

Complaint narrative:
On XX/XX/22, I purchased ( 2 ) {$100.00} Visa Gift Cards from XXXX. On XX/XX/22 I placed the cards in a U.S. Postal Service mailer, sealed the envelope, and handed it to the postal clerk. The mail never was received. I contacted VISA from a number provided by XXXX at XXXX and reported the cards lost or stolen on XX/XX/22. VISA or at least the person who said they were VISA open a case # XXXX and had me upload a copy of my purchase receipt along with a copy of the front and back of my drivers license to XXXX and told me that it would take ( 10 ) business days before I would receive a response. I have gotten no response and when I call the number, I have been placed on hold for up to 1 hour each time and when I did speak to someone, they told me that they had not received my documents i.e. my receipt and driver 's license, only to speak to a supervisor who told me that the ( 10 ) days had yet to elapse. I call them again today XX/XX/22 only to be told that they had not received my documents and was then hung up on with no answer or explanation about whether the cards were cancelled or if replacements will be issued. They just simply hung up. Also, there has been no response from the email account 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: EQUIFAX, INC.
State: TN

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -, XXXX XXXX XXXX -- --. 
15 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 an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank charged me over draft fees when I didnt even go negative money just went missing. Around {$300.00}

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was recently sent a check for XXXX which I did not cash. Wells Fargo had me arrested not once but twice on a hot check. Which was paid twice. 2 trips to XXXX plus having to pay the XXXX XXXX and the check off twice! And I get XXXX 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