vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
In Augst of XXXX, I took out a {$900.00} loan with First Virginia Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I began payment on the loan in XX/XX/XXXX. I made payments on the loan and was informed when I was XXXX payments away from payoff that the company was being taken over by new management and the company was now called XXXX XXXX XXXX. I made the payments to this location but was told my account was sold to XXXX XXXX. I called their " corporate '' headquarters to discuss payment of the balance. I was told that my payments were only paying fees and not the actual loan. When I moved from XXXX to XXXX, I went to First Virginia location located at XXXX XXXX and asked for copies of my statements. I was given of the statemnts from that account. I was shocked to see the interest rate and also how many late fees were tagged on even when I paid in store. As of XX/XX/XXXX, I called to see what the status of my account was as I had not received any forwarded statements. I was told by the representative that my account balance was {$1200.00} with no interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unfair charges to my checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to cancel my PMI as it states after 2 years it automatically cancels in my contract. I have tried to reach out by phone and email to my service provider the answer I get since XXXX is instructions will be sent in 10 business days it is now XXXX my PMI is {$280.00}. Every month they delay places me in financial hardship. I received a letter stating Im not able to remove PMI with no explanation and Ive never submitted the application for review so Im not sure how it was denied. I am current on my payments. The loan has been more than 2 years from XX/XX/2020. This is one of the worse lenders I have dealt with I started having problems since they took my loan over. They also miss calculated my taxes causing problems with my monthly payment and account. They sent a check to me that should have gone to my taxes they told me to make payment directly from check that was sent so I did but then they sent a payment on there end and said my account was negative for escrow and taxes. Then i had to call property tax and they sent they sent them a refund that never showed in my account. Please help Im not new to owning a home and I have never had such bad experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Inquiring to see if I qualify for the wells Fargo lawsuit

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 2023-01-19 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: MD

Complaint narrative:
Charges for overdrafts.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2020, my account Chase checking account was closed abruptly. I suspect my identity was stolen as Chase representatives received alerts of suspicious money coming into my account of which I had no knowledge. I filed an identity theft claim with the state as it seems as if someone had used my account to apply for unemployment benefits. I did not notice the external transfer at the time as I was receiving legitimate unemployment benefits from the state of texas. Chase had explained to me that I had to identify the person that trying to externally access my account otherwise they would not release the approximate XXXX dollars I had in my checking account. I do not believe this was my fault as I did not get the chance to investigate the issue before my account was closed without prior notice or explanation. I would like to open a new account with Chase and would like the funds from my previous account if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
Inspite of all the complaints, disputes, and investigations submitted, and filed! It still led to no progress, corresponding actions, and nor resolutions! Instead Experian has the audacity to : attempt to do a repeat, and redo of the past! Government Agencies, Yourselves, Non-profits, and nor Legal Enforcement couldn't have done : anything about my overall situation, because Experian wouldn't be trying, to repeat the same crimes, and renditions of the past! If you folks that's in charged, can't do your due diligence, and jobs when consumers turn to you'll! Why do you people exist, in the first place? Experian literally failed, and refused to do anything ; to address, and resolved my issues/problems in 2022! Look, something has to be done, about this : quick, fast, and in a hurry! How long is the system, and Persons in authority is going to ; allow Experian to keep breaking all types of laws, and violating my health, civil, and constitutional rights??? This matter should had been resolved, and settled by now! If the necessary legal actions against Experian, would had been carried out! Just can't afford another repeat, and renditions of the past! I wish this Country would do : something to preserve, sustain, and protect my health/self from, these types of abuse, and injustice at any cost, and by any means necessary!

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
UNITED STATES CONGRESS states TRANSUNION is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you TRANSUNION violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. TRANSUNION is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable for under 15 USC 1681n and 15 USC 1681o

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
My car was totaled in XXXX of 2022 .Hyundai would not send XXXXo a pay off letter I fought with them or three weeks before they gave it to me and I had to give it to XXXX So XXXX sent them a check for what they said the payoff was. Then it took them three weeks to apply the money to my account so when I seen it payed off I seen a overpayment so when I called them they told me it would take 45 days before they sent me my money I told them that was not good enough so I got the XXXX  involved then they call me the next day and said they sent the refund to XXXX I told them that money was mine not XXXX I called XXXX they said the same thing the money was mine XXXX only paid what they said to pay

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used to have a bank account with Wells Fargo they decide to close my account without even tell me because of 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Had a credit card using a savings account as collateral. The fees on the card and interest were so high I couldnt get it paid down. I eventually closed the card and used my savings account and then some to pay it off. It was supposed to help me build credit but nothing happened there

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 2023-01-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

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 2023-01-19 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: CT

Complaint narrative:
While I was banking with Wells Fargo in XXXX2022 they would keep charging fees for items that I didn't have enough to cover I would put the amount in to cover it as well as enough for the item. They would take out more fees and they even went back to the ach auto payments I had and reversed the payment and put all my accounts into default.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2023 XXXX dollars was placed back into my account and made available to use and take out of the atm. Then ok XX/XX/2023 I had a over draft of 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 2023-01-19 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: AZ

Complaint narrative:
So many overdraft fees I had to pay through Wells Fargo

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a XXXX vehicle in XXXX and was overcharged for the sale and price and forced to pay GAP AND Service Contract. In addition, my vehicle was fraudulently repossessed and the vehicle was auctioned off and I have repurchased it, at a higher price that I agreed to pay off the vehicle, before Wells Fargo sent a tow company to steal the vehicle back, without any paperwork. The vehicle was stolen from my home, without any warning or contact from Wells Fargo.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother passed away XX/XX/2018 and I have tried numerous times to get a Loan Modification from Wells Fargo Home due to the fact that Im the Administrator for her Estate. Secondly, I believe that the mortgage company ( Wells Fargo Home ) might have charged the account improperly with fee/fines.

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 2023-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AL

Complaint narrative:
My personal information was stolen an change due incorrect information can't verify my identity to any account or bank account information someone change my identity trying located my savings bonds an CD

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I initially disputed inaccurate information with the credit bureaus and XXXX assuming they reached out to XXXX XXXX XXXX about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting XXXX repossessions and also have different balances on credit reports. XXXX also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing operating from XXXX XXXX XXXX, UT and XXXX FL SPS seems to be deliberately vague and non-responsive to any requests for conditional lean requests for the purpose of closing an existing mortgages. According to my escrow agent XXXX XXXX from XXXX and XXXX XXXX XXXX ( XXXX ) XXXX, SPS has habitually taken 25 to 120 days to provide a conditional lean release CLR that is commonly required by a buyer 's Loan Company in order to finalize loan documents for a sale. Such delays can result in buyers having to back out of sales contracts.

Current status on my interactions. 
On XX/XX/XXXX, I sent an email to SPS requesting that my Escrow officer be added as a thrid party to my mortgage account for the express purpose of selling my property On XX/XX/2023 SPS provided an payoff amount but did not provide the requested CLR. 
XX/XX/XXXX ( XXXX ), I talked to XXXX XXXX SPS and requested the that SPS XXXX a CLR to my escrow agent. She " filed the request for approval '' and stated all further communications to be sent to the Ombudsman office at the ( XXXX ) XXXX number. 
XX/XX/XXXX ( XXXX ) I talked to XXXX XXXX the ombudsman office and he escalated the request for review. XXXX XX/XX/XXXX ( XXXX ) I talked to XXXX who said request was still under review. 
XX/XX/XXXX ( XXXX ) I talked to XXXX who indicated request was still under legal review. 
It seems that a conditional lein release is proforma and should be a simple and quick review. It should not take days to review and send out. 
SPS is deliberately delaying in order to extract one more month of interest on my loan.

Their phone process is also faulty. If you provide the account number after three cycles on the hold system you are sent to voicemail ( not acceptable ). If you do not provide the account number they pickup on the first or second cycle ( acceptable delay ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
THIS ( PROCOLLECT ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON XXXX I NEED THIS REPORTED ACCURATELY IMMEDIATELY.

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