vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 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: CA

Complaint narrative:
On XX/XX/2021, we received a notification that our bank password had been changed. Simultaneously, my wife 's phone stopped working. Someone had hacked her phone. She immediately called Wells Fargo from my phone, and got a new password on our account. When I logged in, I showed that someone from XXXX Fl. had tried to take {$1000.00}, but the bank rejectedthe transaction. Thebank started a claim ( number XXXX ). A few minutes later I logged back into our account to discover another failed attempt to take a {$1000.00} followed by a successful attempt originating again from XXXX Fl. My wife called again and received a second claim ( number XXXX ). They didn't have an answer as to why they were able to get money after we had called the first time. A little while later I logged into our account again to discover another {$1000.00} released to the same location by the bank. I called again, but they didn't have any answers. After the bank sent us a couple of letters, one of which told us this was all our fault, my wife called a fourth time on XXXX. She received a third claim ( number XXXX ). A similar attack on our account had been made in XXXX, but since then, no new information ( passwords, account numbers, etc. ) had been added to her phone. The bank told us the culprit used an authorization issued by the bank. The bank authorized them to take our money, we didn't. We've never been anywhere near Florida.

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 2021-02-15 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: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the business that sent you that information.

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 2021-02-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THATS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OF UNVERIFIABLE OR REPORTING OF INFORMATION I BELIEVE IS DUE TO THE EQUIFAX DATA BREACH IDENTITY THEF. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL FINANCIAL OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR THE OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT! TO INCLUDE REQUIRED THE METRO2 SYSTEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint against Wells Fargo through the XXXX  XXXX  XXXX  on XX/XX/XXXX for refusing to talk to my family & I to permanently modify our monthly mortgage payment to {$1500.00} total. Wells Fargo also denies that they were in the right for their decisions when we have documented them being contradicting and misleading from their poor customer service. 

When we filed our case through the XXXX  XXXX  XXXX, Wells Fargo response on XX/XX/XXXX that states " We understand your concern that you were advised to fill out paperwork to request a loan modification even though you were not eligible due to the previous loan modification. Please note, we cant discourage anyone from applying for payment assistance. Which we view this as a tactic from Wells Fargo to prolong an unnecessary procedure to further extort my family out of our home. Also, it states in the same paragraph that, We received your appeal request ; however, on XX/XX/XXXX, the appeal was denied because no new income documentation reflecting a change in income was received. Please note, if you wish to use non-borrower income for a payment assistance review, the parties receiving the income must be listed on the title. As such, we were unable to utilize your XXXX  and XXXX  income for the review. Which we view this statement being contradicting & misinforming because they stated that they did not see no new documentation while follows up by saying we were unable to utilize your XXXX  and XXXX  income for the review and the parties receiving the income must be listed on the title but on the non-borrower income form it does not state that the individual signing the form needs to be on the title on the home to be considered under Wells Fargo review. Again, this is another example of poor communication and inadequate customer service. 

We sent our rebuttal on XX/XX/XXXX and a representative from Wells Fargo called my wife XX/XX/XXXX to say that We will receive a letter tomorrow about how they came to a conclusion that they have answered our request about the Co-borrower form my wife then tries to correct them to explain how we wanted answers about the non-borrower form but when the representative was seeking a manager, the called dropped and my wife could not reach the representative nor did they call her back. We received Wells Fargo letter on XX/XX/XXXX that stated We received a similar request from you and sent our response on XX/XX/XXXX. For your reference, weve enclosed a copy of the letter dated, XX/XX/XXXX, which addresses most of the issues mentioned in the inquiry. and ending with Weve determined the account was handled properly and no corrections are needed as no error has occurred.

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 2021-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took a student loan from Wells Fargo Bank for the amount of {$9000.00} dollars but I ended payment almost {$20000.00} dollars. The Wells Fargo constantly charged me late fee although, I paid electronically a week previously the due date. I wrote them several letter regarding this late fee but, I was ignored completely. Every year the amount of interest that I paid was between {$78000.00}, dollars, {$630.00}, {$480.00} {$450.00}, {$470.00} {$400.00}. My last paying for the loan Was {$5900.00} which I paid in full but, according to them the interest that I paid was {$290.00}. Furthermore I paid on interest {$990.00} and {$1000.00}, How it can be possible when all the interest paid was over {$3000.00}, I was unable to prepare my tax due to this scam. Wells Fargo is constantly, stealing from the customers the staff in the bank are very dishonest. I just on the rights amount that I paid in interest to be clear because I want to prepared my taxes.

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 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
PayPal credit does not allocate refunds from the original purchase for a Special Promotion. Instead, refunds can be applied to any Special Promotion or any revolving balance.

I have a Special Promotion the expires in XXXX that still has a balance due, even though the entire purchase was returned. Instead of applying the merchants refund to that specific purchase, the refund was allocating toward another Special Promotion, not even the same merchant, that is not expiring until XXXX. 

This is only one example, this happen consistently with PayPal Credit. Making it virtual impossible to pay off any Special Promotion in a timely manner. They also do not allow a consumer to request ahead of time where they want those refunds allocated. 

I have found that many merchants that offer these type of promotions, have set these payment systems up to deceive, confuse and ensure the banks will receive the most amount of money possible with no regard to the consumer.

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 2021-02-15 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is my second complaint against MCM. How many do I have to file before something get done? The first one I was told to call XXXX XXXX XXXX XXXX., " your accounts have been referred to a XXXX XXXX XXXX XXXX. Please call them at ( XXXX ) XXXX ext. XXXX to assist in reaching a resolution of your account balances '' Well I did call like they stated and of course I got the run around AGAIN. Why? So now I have spend my time doing another complaint against them. 
When I call I get told that I have to transfer to another department why? when I was told to call that number to resolve my issues. I feel they are playing games with me. This is so unprofessional and rude all at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Back in XX/XX/XXXX I sent a letter regarding fraud charges to my US Bank Reliacard. I never received follow up on investigation results on my account the money was never placed back in to my account. 
On XX/XX/XXXX I faxed another letter to obtain an update again as of today XX/XX/XXXX still no response by phone or mail. I called and was informed something was mailed on XX/XX/XXXX advised them I still had not received anything. 
They have poor customer service.

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 2021-02-15 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
This consumer complaint against Navient actually involves two issues where they have failed to ethically and professionally conduct business. First, in XXXX, when my ex-wife and I divorced, we requested that I be released from a student loan that I was co-signed on with her. It was not that large of a loan ( {$5400.00} ) and she wouldve qualified as she makes a good income as a nurse ( I co-signed on the loan to help with her XXXX school ). However, they would not release me from the loan. Navient has two pending lawsuits against them for this very issue and I may pursue legal action given what happened next. Fast forward to XXXX and my ex did a debt settlement on all her debt with a debt a relief company. The loan I was co-signed on was part of this. Co-signors have rights, however, I was never contacted about this nor did I agree to anything. I did learn about it after the fact and after doing some research felt my credit could absorp the ding from a settlement. The debt was settled and paid in full as of XXXX, XXXX. Nothing negative showed up on my XXXX except that it was closed, in fact, I got a bump from it. Recently, I went to re-finance my home and my FICO scores were much lower than I thought, only to discover that Navient has incorrectly reported that loan as a Charge Off against my credit ( and my ex ). It should be reported as settled, which is less of a credit hit. When I contacted Navient about this, they sent me to collections and tired to collect from me! Again, another violation of the law as you can not collect on a paid debt. No record of the settlement, according to them, although I have a letter from the debt settlement company showing otherwise. I further requested to dispute the credit reporting and apparently now I have to write them at a specific PO Box and prove to them that the debt was settled?! So I have to do all the work for their error? They are in violation of the Fair Credit Reporting Act. As such, because of their inaccurate reporting against my credit, I only qualify for a higher refinance rate, which over the term of the loan will cost me XXXX. I plan to take legal action as their reporting is harming me financially. Trying to get a response from their idiotic bureaucracy is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CA

Complaint narrative:
I am disputing a negative collection mark on my Equifax and XXXX  credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TX

Complaint narrative:
I have late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine.

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 2021-02-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Visa Credit Card was MISSING -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent letters to the consumer reporting agencies, XXXX Equifax and XXXX on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit reports. After 30 days with no response I then sent letters on XX/XX/2021 notifying each agency that they were required to notify me of their investigation results within 30 days but yet neither agency had provided me with updates or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 some people who were pretending to be an identify verification company for cash app and XXXX committed fraud using cash app and my bank account. This fraud occurred using Cash app which is a subsidiary of square. The people committing the fraud said that I needed verify my identity by sending money to a person that I know and having them send the money back to me. I sent {$1900.00} to my wife XXXX XXXX, and she sent it back to me to my cash app. The fraudsters asked me to use an application off the XXXX XXXX  called XXXX XXXX quick support. This was part of the very detailed process that was described to me by the fraudsters that would help with my identity verification which would also me to use other quick money transaction applications. From an optics standpoint, the money looked like it came back to me from my wife on the cash app platform as it even had my cash app name as the recepient. However, somehow the fraudsters must have a way to manipulate cash app systems because the funds got deposited onto a bank card that was not linked to my wife or my cash app account and still isn't. I reached out to cash app, they do not have any phone support and continued to send me in a circular loop of emails saying " the money went to your bank card '', with me continuing to tell them that it did not. Finally cash app sent a record of the transaction. My bank XXXX reviewed it an pointed out for Cash app that it looked like the money was withdrawn from a XXXX terminal in CA. I live in Ohio and was in Ohio at the time. This was another major indication that fraud had occurred and Cash app at the point really slowed their communications back to me via email, possibly to gather a story to try and explain what another financial institution had pointed out to the. Cash app from my perspective has some liability in this, and is refusing to assist me with the issue that occurred on their money transfer platform. Cash apps website even says they have fraud protection, but when the fraud occurs they are reluctant to help. {$1900.00} is a lot of money to me, and I would think that cash app would be able to refund customers and have some ownership in understanding how fraud is occurring through their systems verses a rehearsed response to affected customers saying " the money went to your bank card, which is not true ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need my name and addresses to be corrected

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 2021-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
This past year with the covid problems my mortgage company offered deferment due to loss of income. This fall, approx 6 months ago, I began contacting them to try and rectify the issue and resume payments. Every time I spoke with them they would always say " everything is going to be ok '' " don't worry '' and " fill out this application for loan modification ''. I did everything they asked. I contacted them numerous times and often got no where. Eventually this week I got a letter from them saying they denied any assistance and I owe {$19000.00} that is due immediately. I called them again and got 2 new and different reasons I was denied. The first one was " you were not current when the deferment began '' which is not true and NO ONE ever told me this during this past year. The second was said after I protested the not current statement was " your debt to income ratio is way off ''. I asked numerous times what my options are and how long do I have before any foreclosure proceedings would begin. NO answer. Just repeating. I believe and probably many others have found themselves in this situation. I believe they are negligent in the way this was handled.

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