vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband and I have XXXX separate checking accounts with Wells Fargo. We have elected to receive monthly paper statements. This selection was made upon initially creating the accounts decades ago. XXXX on-line system is deceptive and shows " on-line and mail '' selected for STATEMENTS. For notices, a customer can select " Mail. '' We are not receiving our statements. This is a continuous on and off problem for years. 

We have contacted our local branch representatives and the call center, and it continuously gets corrected and then they stop getting sent to us via USPS. 

XXXX wants to save money by not sending our statements via USPS and then forcing us to go online and retrieve 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 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Insurance company issued a check for home repair after a claim, round point mortgage company gave us the wrong address to send the insurance check to be endorsed, twice over the phone, we overnight the check to the address we were provided on two separate occasions, we are then told to expect the check to be returned on XX/XX/11, if not call back, we call back on XX/XX/11 after not receiving the check, and are then told by a supervisor of the XXXX XXXX XXXX, that we were given the wrong address, and the check was mail from the incorrect office address we were given, in TX, to the correct round point mortgage company office in SC, with no tracking, or certified mail. Its now been more then two weeks since round point told us they sent the check from TX to SC, the supervisor, XXXX, has refused our calls and routed us to a customer advocate at the company XXXX, both the supervisor and customer advocate refused to give us a last name as they are the only XXXX, and XXXX at the company the company has told us all they can do is check the daily checks received manifest to see if the check was received, but will not produce any information from the TX office checks received manifest, or provide proff that the check was actually sent from TX to SC, after we were told weeks ago from the supervisor that it was, the only history of the check the company can provide is the tracking information that we had overnighted, and have signature and tracking information from XXXX that round point TX did receive the check, beyond that they refuse to do anything to show any kind of records or make any effort to find the check, and our home has now been destroyed for months, and we are being held hostage by an indifferent mortgage company, who could obviously not care any less because the events described here do not effect them getting their payment on the first of the month, they check is required to be endorsed by the mortgage company because they are supposed to have a vested interest in our property, but it is very clear they do not, and that they will not do anything to correct their mistakes because they dont have to, I have been paying my whole mortgage for months while living in half a home because of round point mortgages indifference. The company has pused us off to a customer advocate who clearly is advocating for the company. This might not be the right place to get help but i am at a loss, and dont know what i can do, the contractors who have handled the original claim need money and have mentioned suing us, for an issue caused and prolonged by round point mortgage.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been a longtime American Express customer and have paid lots and lots in fees over the years. One perk of one of my cards is a companion pass to use on XXXX. AmEx extended the deadline for use during the pandemic, but despite tons of XXXX  travel issues in XXXX, refused to extend these passes ' deadlines again. As a result, I know lots of people who have been unable to use this benefit. 

I am scheduled to use one this weekend 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 XXXX XXXX XXXX 

I called XXXX  today to see if I can get a few week extension on the pass. XXXX  said to call AmEx. I called AmEx, and AmEx said to call XXXX. I called XXXX  again, and XXXX  said to call AmEx. I called AmEx again and asked to speak with a manager. The CSR said that there was no manager available and someone would call back within 24 hours, but that AmEx would refuse to accommodate my request to extend ( or have reissued ) the companion ticket. 

This is really poor service, and shocking that during a pandemic, this business will not accommodate my simple request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: PA

Complaint narrative:
I am a consumer and TRANSUNION is in violation of my privacy and does not have my consent to to furnish, have, share, or sell my information. TRANSUNION is reporting false debt that is not verified and is asking for proof of payment. This request by TRANSUNION is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. TRANSUNION is acting as a debt collector and has invoked my rights pursuant to the Fair Debt Collection Practices Act. TRANSUNION has assumed a role and credit reporting is voluntary and solely up to the consumer. TRANSUNION is causing the consumer grave financial harm. TRANSUNION has communicated with an alleged creditor without first gaining permission from the consumer. My privacy has been breached by TRANSUNION and I am immediately demanding that it stops. TRANSUNION CAN NOT TELL CONSUMER THAT THEY DON'T HAVE TO INVESTIGATION WHEN IT PERTAINS TO THE CONSUMER 'S PRIVACY AND CONSENT.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My company is in a XXXX XXXX case with Wellsfargo Banking institution. 

Attached is the communication with XXXX and it representation Wellsfargo. 

I'm requesting Wellsfargo respond to my XXXX provision with the XXXX. 

At this time Wellsfargo refused correspondence with this matter.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo froze my money and closed my account and will give me no further info. 
This has happened XXXX different times now

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 2023-01-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right 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 XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right 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 XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need my money I deposit from citi bank my mistake was to upload my check via phone and know my account is freeze with the money I have there am not working and I got XXXX girls to take care off I need my money because is mine and am struggling just because the department so this is not my fault and I dont want a check for a close account I want my money know am tired of all banks do what they want to do thats not okay

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 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have been out of work since XXXX due to XXXX  XXXX XXXX XXXX XXXX  and only working on just my wife 's income until recently I was approved for XXXX but have been struggling financially. My wife and I have qualified and approved for the Pennsylvania homeowners mortgage assistance fund. The fund started paying our monthly mortgage payments in XXXX of XXXX. Our mortgage was current until XXXX when payments stopped being applied to our account. I have been in contact with both the state and Rocket mortgage since the beginning of XXXX to receive updates. 

I finally spoke to a trained state representative on XX/XX/XXXX who was able to go over how many payments have been sent to Rocket Mortgage. It appears the state has sent 5 payments of {$1500.00} starting XXXX thru XXXX. I then spoke to Rocket Mortgage and gave them the confirmation 5 payments have been sent electronically to Rocket Mortgage who have only processed 2 of those payments so far. 

The representative then advised me they have a very small Department who is responsible for processing these payments nationally and have been behind. I advised the agent our account is now 60 days past approaching 90 days on XX/XX/XXXX and we have been receiving very threatening collection calls from Rocket. I advised Rocket has currently over {$4500.00} in funds sent on my behalf from the state and our account should be current. However due to the incompetence of the department in charge of applying the state payments to my account we are almost 90 days past due. 

I asked her to escalate my concern to have the funds applied to get my account current again. The agent advised me she would escalate but they will not respond as they are very busy. The agent advised me until the funds are applied or I make payments to bring the account current collections will continue and foreclosure will be a danger. 

I want to report Rocket for unethical business practices I find it extremely abusive of Rocket to threaten their customers with taking their homes while acknowledging the fact they have deficiencies processing grant payments made on customers behalf. My wife and I are extremely stressed and our credit impacted, Rocket needs to process the payments sent to them and bring our account current and all late fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I cant open any bank and I dont know why

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 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My loan was sold to another servicer by Mr. Cooper to XXXX Mortgage but I was not given the required 15 day notice of this action. I have to stop payment to Mr. Cooper, download all my tax documents before I no longer have an account with them, figure out how to pay my new servicer, notify my insurance, ensure my escrow is still being funded properly, etc. 

I received one letter on XX/XX/23 indicating this process would be taking place by XX/XX/23. 

This is the fourth time my loan has been sold to another provider in two years. I never agreed to any of these transfers. It is difficult to track exactly who owns my house at any given day and to ensure I'm not receiving fraudulent information and sending huge sums of money to a bogus mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had {$24.00} in my account then out of no where I'm credited about {$180.00}. I've got over {$200.00} in my account XX/XX/XXXX, when I'm suppose to have {$24.00}. I called WellsFargo told them what happened but the said nothing was wrong. ( You see WF makes all the adjustments on the balance sheet your looking at and WF goes back days or weeks to make it look right. The only way I can prove this happened is if I took pictures with a different camera and I did of my account when this happened because now everything was adjusted back like it never happened. ) I looked at all of my transactions but it looked like all went through. I told the Representative this has happened before. You gave me {$200.00} when my balance was low so I withdrew it. When it hit XXXX that day you sent me a message my account was overdrawn and that I was going to be charged fees. I fought with you over the phone but it wasn't until the last conversation you reversed the charges. So on this occasion same thing happened my account was low in money ( setting up the trap for the Overdraft protection Charge ) you send me over {$200.00}. Except this time I leave it because I know it's a trap. By the next day you send me a notice saying my transaction for XXXX went through just now on the XXXX. ( Which is a lie because if my transaction didn't go through 5 days earlier I wouldn't have my package by the XXXX. ) Now that {$200.00} plus has disappeared and my account is back to normal. 
It's a SCAM and it's written into a program of theirs to do it to its customers so they get caught by overdraft protection if the consumer is not paying attention to their transactions and balance. 
This is the XXXX time WF has.done this to me

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
As soon as I opened account and deposited money they froze my account due to suspected fraud. When I went in they claimed I had set the account up wrong online but wouldn't give me any info because they said my name was somehow not on the 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 2023-01-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me 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
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: DISCOVER BANK
State: CT

Complaint narrative:
I have kept up with my XXXX card payments and due dates. Which causes me to get my credit line increase up to XXXX on XX/XX/XXXX I received an email states Ill be receiving my XXXX security deposit back in check. I waited out for weeks and never received anything I then contacted my credit card explained the situation. On XX/XX/XXXX XXXX I states the situation with someone by live chat they claim to sent in another one. it is almost the end of XXXX and I have still have yet to receive anything the email states it should be sent in 5-7 business days and its been 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC {$920.00} and {$710.00} have been a negative collection on my credit report for quite some time. I had gone through some devastating hardships including identity theft about the time these accounts appeared on my credit report I do not recall any notifications other than collections from several agency 's. I have diligently worked to clear the negative and recover my good credit. I do not know if LVNV still has these accounts, I believe they may have been sold. I am assuming these may be credit card interest due to the amounts appear to be more than any card limits I have had. I don't feel I have enough information to know if these charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Had a Wells Fargo mortgage during the time period of complaints. Often they would say we owed more than what we actually did... such as escrow.

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 2023-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
About XXXX  years ago I received a letter from a law firm that I didnt own by house. Someone else was trying to take my house. I had to ask a attorney to look over the papers and he said I had a problem. I had to hire an attorney. I had XXXX children in XXXX  at the time. I wasnt able to make payments so I completed a loan modification. I believe they didnt give me all the information I needed to complete the modification correctly. 
The attorney and title company represented me and my house belonged to me. 
I believe Wells Fargo overcharged me for the modification. My mortgage went up {$300.00} plus more.

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 2023-01-26 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: MA

Complaint narrative:
On XX/XX/2023, Discover erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

DIVERSIFIED ADJUSTMENT ( XXXX ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$99.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation