vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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:
The bank has charged me overdraft fees on my account when I never opted into overdraft protection on my account. They have been doing this for years on my account for at least the last XXXX years. As you know as of XXXX Banks are not allowed to charge me the XXXX dollar overdraft fee on debit card transactions if I never opt-ed into the overdraft protection with said bank. They even admitted on a call with me that there was no overdraft protection enabled on my account. They are illegally charging me these fees and I need them to stop since overdraft protection is not enabled on my account. 

XXXX https : //www.fdic.gov/consumers/overdraft/

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/2022 I received a letter in the mail from TRS recovery services saying they are collecting debt credited by XXXX XXXX XXXX Principal amount XXXX Returned Item Fee XXXX Total Amount Due XXXX This Tells me the transaction date was XX/XX/XXXX. 
I have never received any notice of failed payment to XXXX let alone by check. I do not even own a check book. Says returned reason is " Check returned, account closed. 

I had immediately contacted XXXX customer service, who confirm i have no debt to them. Nothing in my account has been unpaid for. 
XXXX i believe is a legit company, however I have seen so so many complaints of the same thing happening to others that have no record of debt with XXXX. 
Please Fix 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 explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I was contacted by my mortgage company ( Quicken Loans ) that my house insurance had expired. Quicken loans serves as the escrow account to pay my insurance which is calculated into my monthly payments. Due to refinance the account number was not updated by quicken loans and it defaulted on my insurance payment, by sending a check to them that was for the wrong mortgage. There was no communication from quicken loans for any issues that I could have corrected if I had known. Now my mortgage payment increased by {$130.00} dollars because they failed in their escrow duties. I should not be held accountable to a XXXX dollar company for a mistake that they caused. I would like to be compensated for this mistake in the form of my previous mortgage payment restored going forward ( allowing for adjustments in state taxes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete XXXX Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
we have had several issues with PHH Mortgage not processing our monthly payments and then not notifying us of the payment reversal till weeks or a month later. By this time we are charged a late fee and our credit score is affected and reported against. 

We have had the issue happen both when we pay over the phone and recently on XX/XX/XXXX and XX/XX/XXXX when we paid on their online portal. 

I XXXX was told that the phone payment was returned due to our bank account number being wrong ( it was missing a " XXXX '' ) i spoke XXXX the PHH rep and he told me the routing and account # 's and they where correct XXXX for XXXX " XXXX '' was missing in the XXXX XXXX digits. He corrected the issue. I thought since it was corrected we where good. 

We then paid online XX/XX/XXXX & XXXX to cover XXXX and XXXX 's monthly amounts we owed. We have had issues since XXXX XXXX our clients not paying us on time so we got behind several times. The payments where then returned on XXXX & XXXX with no notice from XXXX till around XX/XX/XXXX. 

I called PHH again on XX/XX/XXXX to make the now XXXX days late XXXX payment and address the returned online payment. They told me the bank and routing number and of course it was missing the same " XXXX ''. I told them this was fixed a month to XXXX ago what's the deal? They said that the online account # would only be entered by me and they couldn't have messed it up. My thoughts : Why did both their XXXX payment methods have the same issue and they could fix the phone XXXX but not online??? 

My XXXX called PHH on XX/XX/XXXX to once again try to address the issue the PHH rep tells my XXXX again they couldnt have caused it and the best way to fix it is delete the current payment info and enter the correct amount so my wife does this. My XXXX  did this w/o looking to see if the account # was missing the " XXXX '' so the issue should be addressed now but we have XXXX XXXX days late notice on our credit report for XX/XX/XXXX which we paid in time but then where reported late due to PHH constant inability to process a payment, notify us about it in a timeframe before its reported as late and past their XXXX days grace period. This happened before with a phone payment but im not sure the timing to know if its the cause of the XXXX or XX/XX/XXXX late reports we have on our credit score but I would expect XXXX of them is as they have caused the XXXX one now on our XXXX round with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
tried of this bank closing accts in good standing b, lower limit limit they did it on care credit XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a call from Wells Fargos customer service line from someone impersonating a teller. I was told that someone was attempting to access my account and transfer {$8000.00}, which I didnt have. The teller told me that because the transfer was through an app called XXXX they couldnt stop it but they could help me save my money. All I needed to do was transfer the money, using XXXX, to Wells Fargo for holding. I was told that sending the entirety of my account would make it impossible for the person attempting to clean out my account to get any money and Wells Fargo would return my balance to my account in XXXX hours except it wasnt a Wells Fargo teller it was a scammer who duplicated Wells Fargos customer service number to gain my trust and completely empties my bank account. I lost all my saving that day. I immediately called Wells Fargo and reported this, they gave me a conditional credit for all the money I lost while they investigated. I just found out today that the credit I was given is being revoked as Wells Fargo determined that it was my fault I was scammed and is not at fault for someone impersonating their likeness and using a third party app to steal all my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK
State: MA

Complaint narrative:
Hello, The East West Bank closed my account suddendly and transfered money from my account without my consent on XXXX XXXX XXXX. They transfered total {$4400.00}. A total of night transactions. I have no idea why they can taken my money to transfered to other company and it is already my personal property. The money from faire.com, we sell the product there, we shipped the product and we get the payment. It is unacceptable to transfer my money away privately by The East West Bank. They need to compensate me for this loss. we tried to communicated more times with bank they don't have any answered about this transaction. the customer service said they don't know as well. it is ridiculous. My request is for the bank to refund the money for these XXXX transactions in my account, a total of {$4400.00}. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello - This is a complaint about PayPal who did follow the regulations associated with properly vetting a merchant. Thus, a fraudulent bad actor is using PayPal payment services/rails to accept credit card payments for a service that is NOT real. 


Merchant Name as registered with PayPal : XXXX XXXX XXXX XXXX Merchant Name as it appeared on my receipt : Forms Online Solutions Order Number : XXXX Date : XX/XX/2022 Service : Passport renewal online Situation : My passport expired earlier this year and I went online to renew it, but did not know that XXXX XXXX XXXX XXXX ( or Forms Online Solutions ) is not associated with the XXXX Department of State. I completed the online form with XXXX XXXX XXXX XXXX, who now has ALL of my personal information, including my passport number Request for CFPB : take the appropriate actions against PayPal, and stop this fraudulent merchant XXXX XXXX XXXX XXXX from doing business NOW PayPal : XXXX is the merchant transaction ID assigned by PayPal for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CA

Complaint narrative:
SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO XXXX, TRANSUNION AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX  THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC 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
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told XXXX and EXPERIAN this and they are not removing it from my credit report. I can not contact XXXX because XXXX ) I have to leave a voicemail and No one ever responds and XXXX ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.

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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act Capital One in XXXX, XXXX, XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, Capital One second account XXXX, XXXX, and XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, XXXX XXXX bank in XXXX, and XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
hello, i am just learning how to review my credit report AND upon checking it i see XXXX unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # 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 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
I went into XXXX XXXX to discuss getting a procedure, they told me I could get financing and that Greensky would finance it at a low rate. After I started paying off loan, two years later I still am making payments. The interest rate was ridiculous, I am paying double the loan amount. That was not explained to me in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was buying XXXX XXXX XXXX tickets the guy said he has a XXXX account I sent him XXXX transactions {$250.00} each total of {$500.00}. First XXXX was XX/XX/22 at XXXX for {$250.00} the other was XX/XX/22 at XXXX he never sent me the tickets. I called my bank and filed a report but they said the money left the account and they couldnt get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-08-30 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I called Edfinancial services today XX/XX/2022 and asked for my loan refund for the payments that I made during the pandemic pause. I was told that this refund would take up too XXXX year to processes. That is a deceptive practice to not refund so that I will still owe them money after Biden 's loan forgiveness if they finally get around to refunding the money. This is intentional on their part to to try to get additional monies to their company. The other major student loan servicers have given customers a XXXX week window for the refund. I am due XXXX for the Bidens cancelation program as I have Pell Grants.My current loan after making all forbearance payments is approximately XXXX. I have made payments for the entire time of forbearance.I have researched the large number of complaints against this organization and the lawsuits, including the XXXX XXXX dollar suit filed by CFPB due to lying to consumers and engaging in deceptive information. I want my payments that I paid during forbearance to by refunded within the proper time frame to allow me to have the amount added to my loan so I may receive my full loan cancelation amount. Their are many complaints online regarding this same issue I am having with Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX Commenity Mastercard credit card and I was informed when I got it that I could use the rewards I receive from when I use the card, with them or anywhere else, at any time I earn them. I went to XXXX the other day and they stated that I couldnt use all my rewards, only {$10.00}, which I had {$40.00} available and stated that theyve been having this issue for a few months and they couldnt do anything at this time and would have to contact Comenity. When I contacted them, they couldnt tell me when Ill be able to use my points. At this point I feel that Im been misled and giving wrong information on using my earned points for using their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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