vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paradigm Assets, LLC
State: NY

Complaint narrative:
On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other XXXX account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I had a bunch of online XXXX  that i did not authorize be used on different sites an the disputes team held me liable because my card was not used just the numbers were

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I would like to know why I " signed '' an appraisal acknowledgment waiver on XXXX stating that I didn't have to be provided a copy of the appraisal 3 days in advance of closing and then an appraisal acknowledgment on XXXX stating that I received my appraisal 3 days prior to closing for a house in XXXX, XXXX. The only one I got was on XX/XX/2020, from XXXX XXXX stating that the house was in XXXX, XXXX. The waiver states that I should have received the appraisal immediately upon completion or 3 days prior to closing. Not either one of those things happened. 

Is this why XXXX XXXX was emailing back and forth with our preferred XXXX XXXX? Our preferred XXXX agent stated to XXXX XXXX that the appraisal had nothing to do with insurance replacement costs and provided the mortgage company with a XXXX valuation report. The insurance agent could not get the mortgage company to disclose the price of the home and we could not get alternative home insurance. 

On my Closing Disclosures from XXXX, and XXXX the location stated XXXX, XXXX. XXXX the Closing Disclosure stated XXXX, XXXX  again. 

The total Closing Costs paid at Closing ( J ) on XXXX were {$19000.00} On XXXX they were {$1400.00}. On XXXX they were {>= $1,000,000}. 

I could go on and on and on about the issues. Im just trying to figure out what happened and why I'm being punished for all of this. 

The water right of way for XXXX XXXX states that we were in the old subdivision of the XXXX XXXX XXXX which is owned by XXXX XXXX XXXX not sure if that has something to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
I have attached an FTC report with accounts that are not mine and are fraudulent, I have also attached my drivers license and social security card along with a letter to update my personal 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 2022-12-21 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: MA

Complaint narrative:
Wells Fargo has consistently charged overdraft fees on withdrawals despite having enough money in my 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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo put me into foreclosure and sold my loan to XXXX XXXX XXXX. The XXXX sale was XX/XX/2022. It should be noted that I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. I know the underwriting guidelines. I worked for Wells Fargo as a mortgage loan XXXX. When I was not able to make a payment, I reached out to Wells Fargo because that is the responsible thing to do. They would not work with me. They asked me to apply for another loan. This happened several times. They denied me a loan several times.I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. They undervalued my home. I contested that by paying a bank XXXX do an appraisal on my home. I submitted the appraisal with a valid market price. XXXX on my block recently sold for {>= $1,000,000} each. I was told that my debt-to-income ratio was too high. I produced more income. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo did not respond. There was not continuity. There was no one who would follow up and actually offer me assistance. Their letter said they were there to help me but that was a lie. Wells Fargo is being forced to reimburse homeowners because of XXXX XXXX 's failure to operate like a responsible lender. My address has changed. My wife has divorced me. How do I put in a claim for damages? Wells Fargo is being forced to pay billions of dollars in damages and in reimbursements. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo does whatever it wants to until they get caught. My life has been turned upside down because of of their negligence.

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 2022-12-21 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: NC

Complaint narrative:
I have written to Equifax many times about an item that is listed as a " collection '' on my Equifax ( only ) report. however it is a blank name. yet they will NOT answer my letter for information ( including a name of reporting party ). and they continue to keep this inaccurate and incomplete item on my report damaging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The interest withheld from each payment is following an amortization schedule, no matter if I pay each consecutive day, it is never less than XXXX months accrued interest. It is not applying interest on a daily earnings method. When I called and asked them to review, I was told I didn't have that kind of mortgage? It is a 30 year fixed simple interest loan. I am XXXX XXXX XXXX  months ahead of scheduled payment, but it has had no effect on my interest applied to payments. Please Help. 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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My son and I went to a car dealership in XXXX XXXX  and wanted to purchase a vehicle. They claimed that Wells Fargo financed it, even though it was listed as in house financing, and our loan was denied several times thru Wells Fargo. I was told by the auto dealership that my loan was approved and pmts were to be paid to Wells Fargo. Wells Fargo accepted payments in the amount totaling XXXX and then repossessed when the car was almost paid off and returned it to the dealership. Then the dealership sells the car again and so on and so on. When I requested a contract, several times, to Wells Fargo they ignored my request and then made derogatory reports to credit bureaus. I was told by several others that, after the fact, both Wells Fargo and the jeep dealership in XXXX scam people and write fraudulent contacts, collect on loans that dont exist, and then make fraudulent reports to credit bureaus.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX the XXXX 2022, I deposited a check for XXXX dollars to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. The teller informed me that the bank was going to hold my funds for XXXX business days. 
The receipt I was given states that the hold is the result of my having overdrafted my account multiple times in the last XXXX months. I called the branch I made the deposit at the following morning on the XXXX and spoke with XXXX XXXX. I asked if some portion of the funds could be released and XXXX XXXX explained to me that no portion of the funds will be released until the XXXX of XX/XX/2022 and nothing could be done. I looked through my bank records and found XXXX overdraft that was a result of my having insufficient funds from XX/XX/2022. XXXX XXXX told me that the hold was a result of the bank the check was drawn on and not because of my overdraft. 
I worked hard for my money and was depending on it for the care of my family and the purchase of XXXX gifts. The idea that a bank will hold my money to punish me and my family because I can't afford to save money is reckless and immoral. This decision by the bank has ruined 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 2022-12-21 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: NC

Complaint narrative:
I have attached an FTC report with accounts that are not mine and are fraudulent, I have also attached my drivers license and social security card along with a letter to update my personal 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I, consumer and Living woman was denied credit by WELLS FARGO AUTO at XXXX XXXX XXXX, XXXX XXXX used a credit application for an Auto. Pursuant 12 CFR 1026.12, 15 U.S.C 1602 ( l ) my credit card was used for this process which is my Social Security Number.

According to the ECOA ( EQUAL CREDIT OPPORTUNITY ACT ) which codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. I was XXXX  against by WELLS FARGO AUTO due to response I received.

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 2022-12-21 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: AL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I wrote already a complaint against MONEYGRAMM in a transfer to XXXX for XXXX XXXX XXXX and NEVER was delivered even though i wrote several times to client service and they contacted XXXX too BUT MONEYGRAMM NEITHER DELIVERED HIM ANY MONEY NOR GAVE ME BACK ANY OF IT. 
Total was XXXX dollars that they STOLE WITHOUT ANY REMORSE. 
I spent time contacting them but the answers were repetitive, unuseful and silly. 
So i complaint here and its been at least 5 months ago or so, dont remember exactly and STILL I DIDNT HAVE ANSWER ABOUT IT. 
I have still my receipt to prove That MONEYGRAMM STOLE MY MONEY AND THEY GET NO CONSEQUENCES FOR ROBBING TO PERSONS WHO NEED TO SEND MONEY THROUGH THEM IN THIS CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My money lost in my account unusually long time especially from XX/XX/2022.

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 2022-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Sold our old home and closed XX/XX/XXXX. Our HELOC had a XXXX balance, but when we got to closing, we were informed it would cost {$2400.00} to close it. Title agent said shed never seen a fee that big in her career. 
When I got home I immediately called PNC to find out what the deal was. XXXX  said it was a BBVA doc and she couldnt find it. I said somebody found something to charge me {$2400.00}!? She said she would have a mangager call me in 24-48 hours ( never happened ), and she would have them pull a hard copy of the doc and have it sent to me ( never happened ). 
I finally get a call on XX/XX/XXXX saying the fees are legitimate due to the loan being closed within 2 years of opening, subjecting me to appraisal and closing costs that were initially waived. Lady said she would email me the HELOC doc. 
When I get the doc via email, it is the 8 pages going over how {$2400.00} is owed. They did not include the entire contract ( around 66 pages ), and definitely didnt include the addendum to the home equity line of credit explaining how the sale of the house is an exemption to these fees. 
I respond by attaching the section of the addendum that goes over the sale exclusion. 
Only then did I get a call back the next day from another lady, finally admitting they didnt include that part and she has now read it, and will try to start the process of a refund, but has no idea how long it will take

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
None of the credit card companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have provided me with copies of the documents the merchants submitted to the credit card companies relating to my disputes. As a cardholder who disputed charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery process, and to appeal credit card company decisions. This cardholders due process rights have been violated and as a consumers I deserve fair treatment. A consumers bill of rights which includes fair handling of credit card disputes is needed.

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been paying a high payment from the beginning. Thought it was low credit but then I see all these offers with way lower rates and my credit os worse then when I bought the car. So feel I have been making higher payments then need be for years 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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has been complicit in and guilty of numerous crimes against my checking account. For years I have complained that they are allowing corrupted law enforcement officers to access steal from and manipulate my bank account. They have previously " admitted " to these things. Then set it up for me to need an additional attorney to collect the money they owed and damages for the criminal acts. 

Currently they have my old checking account in arrears for XXXX. They have doubled debited back and denied the claim filed through you to recover these funds from XXXX. A scam that plays with money laundering and credit cards ( also filed with your office ). They have on more than XXXX occasion committed crimes similar to this. 

My bank account should be around XXXX positive as originally done. Not attacked with intentionally duplicated charges as revenge for my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-21 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: NY

Complaint narrative:
this inquires I found on my transunion account is reporting as n incorrect inquire nit performed or agreed to by me. 

I have reached out to XXXX XXXX XXXX and other companies reporting inaccuracies to kindly remove this as it Is a fruadlent inquiry, they have refused to oblige XXXX XXXXXXXX XXXX XX/XX/2022 credit card light stream. XX/XX/XXXX XXXX instalment loan XXXX  XXXX auto. auto loan {$3200.00} this account was paid off but still reports on my account there fore it is inn. accurate and XXXX must must be blocked and deleted and balances reported on this loan are incorrect acrross all XXXX reporting agencies therefore had to be deleted

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