vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
During covid we were put on the covid relief plan. My wife knew nothing about this and I was never told it would have to be paid off at the end of the mortgage. I still made the payments. I filed 2 complaints with Wells Fargo and they denied both. We somehow had to owe an extra XXXX that got " put into a 2nd mortgage loan '' that nobody told us about until we were selling the house we find out we owe a lot of extra money and we almost lost everything. There were no phone calls about this nobody called me or told me. My wife knew nothing. Neither of us signed anything. They said it was all done online in my account. That's putting a lot of trust in something online with no signatures or proof

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/2022 usaa savings bank got a copy of my XXXX credit report i didnt not try to apply for anything with you guys on that day please remove inqury from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
To start in XX/XX/XXXX I originally sign with another company in XXXX Wells Fargo purchased my loan.Originally my loan included a payoff if I was XXXX.Wells Fargo told me they dont buy that portion of a loan. I was unaware of their purchase or not purchasing the payoff portion if I was XXXX. I became XXXX in XXXX. I continued paying my loan.Then in approximately XXXX XXXX apparently changed my area to aa flood zone, unaware Wells Fargo charged me for flood insurance totalling thousands of dollars due at once.I had to refinance to become solvent with them. Every year my payment has changed and I have a fixed rate.It has always been something with them from the start.

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland credit called before XXXX mountain standards time. I called back and informed XXXX who is dealing woth my account that if he was licensed in CO he would know he cant call before XXXX. That per the CFPB guidelines that is not allowed. He just kept saying mmhmm and that I called him. I stated I'm calling you because you called me at XXXX and I have rights as a detor and they can't call me before XXXX mst. 

I've already deputeded this debt with the company due to I have paid off my balance XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
I had been charge to much ovefraft fees

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was a consumer that held a car loan with Wells Fargo. My car loan date was from XX/XX/XXXX - XX/XX/XXXX. And I had read about the settlement with Wells Fargo, and I have yet to be contacted by them, about the loan I held. 
There are no answers on their website. And I spoke with someone & was told that I would be notified, if anything was owed. I would like to know is there some way I can be proactive and check myself? What information do you need from me? And is there a POC at Wells Fargo, that I could directly speak with about my auto loan ( paid off ) and I may add with an 18 % interest rate on the loan.

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : 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 2023-01-24 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: MS

Complaint narrative:
I have contacted each credit bureau ( XXXX, Trans Union and XXXX ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from XXXX but they did remove some information. XXXX and Trans Union claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, Convergent Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states 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 2023-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I sold my house back in XXXX XXXX  I have been owed a reimbursement check I have talked to 3 different agents one her ID was XXXX they talk to fast started reading them, I call and give them my new address they say the will be in the mail, every time no one has a record of me calling, I have went into office locations they won't help, went I to the XXXX branch to get the loan number to file a XXXX help me very nice man told me nothing had been do e the address hadn't be changed, got the account number sent there for about 30 minutes he was trying to fix this for me had 5 minutes to get to work left my number. Have go a call 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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Had a previous mortgage with Wells Fargo they processed it incorrectly so when I tried to modify or change I couldn't get any help and loss my home in 2013

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
on XXXX discover financial ser got a copy of my XXXX credit report i did not try to apply for credit with you guys please remove i have rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : 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 2023-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother and I were on a Wells Fargo checking account, which also included a savings account called, " XXXX XXXX XXXX. '' I have the documentation to prove that, with dates and the account number. When my elderly mother fell ill, she moved into a XXXX home and soon after died. There was {$470.00} left in our joint account. The {$470.00} was the amount in the " XXXX XXXX  XXXX '' portion of the combined checking/savings account. After her death, I discovered through Wells Fargo documents that I still have, that Wells Fargo has a different account number for this amount. I went to the local Wells Fargo branch and told them I was the personal representative of my mother, and am on this account, which I have documentation to both, and the banker told me I could take the debit card to the ATM outside, and put the PIN number in to retrieve the money. I did not know the PIN number. My mother was elderly, ill and bedridden. We did not think of the PIN number while she was in the XXXX home and upon her death. I never used the ATM before, therefore, I did not know the PIN number. This bank staff member told me to try XXXX digits that I thought my mother might have used. I tried to explain that it could be any series of numbers in my mother 's life since she had so many years to her life. This individual insisted that I attempt any way and to use old addresses, phone numbers, etc. I did make those attempts. The machine allowed only XXXX attempts, and then locked the account. The bank personnel told me that was all they could do. I made XXXX visits to XXXX different Wells Fargo branches in XXXX XXXX. I spoke to XXXX XXXX XXXX and XXXX branch managers. According to the Wells Fargo bank statement in my possession, on XX/XX/XXXX, the money was transferred to " Unclaimed Property ''. Since my mother 's death on XX/XX/XXXX, I have attempted to retrieve this money that belongs to me, not to Wells Fargo. I have found out that it will cost more to pay to retrieve the money, than the amount of {$470.00}. Now that I am aware of your agency, I am asking for your help. According to your directions, I have not included names, account numbers, addresses or Social Security numbers, however, I do have all of those if or when you should need them. Thank you.

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 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my OceanFirst Bank account to fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I went on the XXXX XXXX XXXX  to see if portfolio Recovery was license to collect debt in new york and it show they are not license here in new york and thats Illegal from my understanding and they would have to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/2023 jpmcb-card services got a copy of my XXXX report without my conset i did not appy or try to apply for any credit please remove from my report also im requesting evidence to surport the inquriy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX XXXX # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXXXXXX XXXX XXXX  # XXXXThis account is listed erroneously.

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 2023-01-24 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: PR

Complaint narrative:
I have been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXXXXXX 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 2023-01-24 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: LA

Complaint narrative:
I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; XXXX XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

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