vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I just refinanced my mortgage. My mortgage broker sold the mortgage, unfortunately, to Wells Fargo. The first communication that I have received from Wells Fargo is that they do not have proof that I have hazard insurance. I do have insurance but it has not been paid this past month because the mortgage broker took a while to sell the mortgage ( XXXX XXXX ) due to an error that we pointed out when we signed the refinance documents. My homeowners insurance ( which includes hazard insurance ) is now supposed to be paid by Wells Fargo themselves on my behalf through my new Escrow account. Instead of looking into the circumstances, sending my information of the purchase of my mortgage, informing me that I have to pay XXXX ( my homeowners insurance ) contemporaneously, they chose to send me an initial letter in which they threatened to buy insurance on my behalf which will ( 1. ) be more expensive and ( 2. ) provide less coverage. This seems consistent with Wells Fargo 's practices of forcing unnecessary financial products on customers. Over my 5.5 years with a mortgage held by XXXX, I have not once had any problems. In my first communication with Wells Fargo, I have already have problems and ones consistent with their well known practices in the industry.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They are reporting wrong personal info such as my name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They are reporting wrong personal info such as my name and address

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
WE HAD SEVERAL AUTO LOANS WITH SANTNDER USA TO WHO OVERCHARGED FOR GAP ETC ALONG WITH CLOSING ACCOUNT FEES AND EXTRAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CO

Complaint narrative:
Westlake Portfolio Management bought my car loan from XXXX XXXX XXXX on XX/XX/2020. I received correspondence that the amount due was {$420.00} to be paid on XX/XX/2020, but the actual amount due on that date was {$380.00}. In addition, I was sent correspondence that their records indicated I was participating in ACH withdrawals with XXXX, but this is not correct. Further, I was sent correspondence that my insurance was lapsed, or terminated. I called to ask about it, and when pressed who reported this information to them, they indicated the name of my insurer was " Your Insurance '' which is incorrect. My insurance did not lapse, and it was not terminated. The total amount due on the loan was mailed to me ( {$5400.00} ), and it was different than the total amount due on the loan reported online ( {$5400.00} ). I feel that the fraudulent information sent to me is an attempt to defraud 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They are reporting wrong information about name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They are reporting wrong information about name and address

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Landlord at Apartment complex didn't like me so false move out charge were put on my record i filed a complaint with HUD and judgment was in my favor to have charges removed I have been contacting XXXX, XXXX, XXXX  and the Company IQ Data whom all have received correspondence from HUD and the Attorney for the property regarding this bad DEBT that is Hurting my CREDIT Items have not been removed and its been almost 2 years that i have been trying to get these negative amounts removed. I am not responsible for these false charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They are reporting the wrong information such as my address and my name

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
About two years ago out of the clear blue sky Capital One arbitrarily decided to decrease my credit card limit from XXXX to XXXX, they said that I was not using the larger credit limit. I pay off all of my bills every single month. Since they would not listen to reason I put the card in my safety box and began to use my other card to see if I could get their attention. On XX/XX/XXXX I received a letter from them stating that since I was not using their card they were going to cancel my account due to inactivity on XX/XX/XXXX ; again no notice just an arbitrary corporate decision. If they had simply reached out to discuss I would have used the card on some token repeating bill. What really irritates me is that I have worked hard for over 40 years to establish a solid credit rating which is now XXXX ; when these clowns eliminate my card my credit rating will take an undeserved ding. I have been an account holder with these clowns for over 20 years and the way that they have treated me is reprehensible. Capital One should be censured and fined for abusive business practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and Wells Fargo has destroyed my credit with negative reporting every month during the national pandemic

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: WA

Complaint narrative:
My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}. 

I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Revenue Corporation
State: TX

Complaint narrative:
There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, XXXX XXXX, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the United Revenue Corp account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Received an alert that a collection account was added to my credit file. The account stated CCS collection in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX  XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX  to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
CPS CONSUMER PORTFOLIO SERVICES , INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX ) XXXX THE NOT ONLY HAVE ME PAY FOR YEARS THIS USURY LOAN AND DAMAGE MY CREDIT BUT KNOW IM TRYING TO SETTLE A AMOUNT TO CLOSE THE ACCOUNT THEY REFUSING TO STATE THE INFORMATION OF THE VEHICLE IM PAY FOR IT IN THE SETTLEMENT LETTER OR GIVE OUT ANY INFORMATION ABOUT THE TITLE OF THE VEHICLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can't use plaid to link my pnc account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : MEADE & ASSOCIATES INC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill,  or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
applied for grant -- needed to link bank account -- - to receive grant -- - system says -- CANT LINK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CITIBANK, N.A.
State: NM

Complaint narrative:
Purchased Tickets through XXXX. Covid-19 cancelled the event. Requested refund in XXXX. Never received refund, have proof of request. Sent this to Citibank with all proof. Citibank ruled against me without fairly viewing the evidence I submitted and favored the merchant who said the event was not cancelled and that they do NOT do refunds regardless of corona virus cancellations ( what they told my bank. ) I contacted XXXX XX/XX/2020 and they said they went ahead with the refund on XX/XX/XXXX for XXXX $ and the authorization number given me. XXXX told me to contact my bank and tell them they ( XXXX  ) will still help me and refund it like they said they would because of Covid-19.  Citibank has NO record of this, refuses to help me, I can NOT dispute it because it was already ruled on, and Citibank states I need to contact XXXX and work it out with them and they have no power.

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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I received a notice dated XX/XX/XXXX saying my escrow account was going to be short and that my monthly escrow payment of {$330.00} was going to be increased to {$770.00}. I contacted Bank of America in XXXX or XXXX of XXXX about this issue. I told them that there is no way that their calculation is correct. They stated that the algorithm determines how much I will owe and that the only way to change it is to wait until the tax bill comes out. 

The tax bill came out and my first installment was paid by Bank of America using my escrow account in XX/XX/XXXX. The algorithm calculation of what was going to be owed on my taxes was clearly wrong, yet Bank of America continues to charge me {$770.00} per month. When Bank of America made those first tax installment payments on XX/XX/XXXX, they should have done reanalyzing of my escrow because of the obvious inconsistencies with their estimation which was requiring such a large monthly escrow payment ( Well over the legally allowed cushion ). 

My breakdown of what should be in my escrow account is as follows : XXXX Tax Bill Home : {$4100.00} ( First installment : {$2200.00} ; Second Installment : {$1900.00} ) XXXX Tax Bill Parking Spot : {$670.00} ( First Installment : XXXX ; Second Installment : {$300.00} ) Homeowners Insurance : {$430.00} Total due in XXXX : {$5200.00} I faxed over the yearly tax statements to Bank of America on XX/XX/XXXX so that they can not claim that their estimation is correct, but paying this large amount every month has been extremely difficult for 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 monetary relief
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic

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 2020-06-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic

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 2020-06-30 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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