vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 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: AL

Complaint narrative:
I have a checking account with Wells Fargo that was charged a {$35.00} overdraft fee for being overdrawn. The referenced account was never authorized for overdraft protection and thus should have never carried a negative balance. Wells Fargo authorized several reoccurring charges that overdrew my account over two months. The negative balanced grew to - {$48.00} in XXXX before Wells Fargo began denying charges, which they charged me an additional {$35.00} for this service. The account balance is now - {$83.00}, which constitutes {$70.00} in fees and {$13.00} in unauthorized charges. 

Wells Fargo has refused to refund the fees and insists that I pay the balance in full.

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 2020-03-02 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: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I filed a CFPB complaint on XX/XX/20- the issue itself has not been resolved from this company. I was harassed under FDCPA regulations. On XX/XX/20 I received a phone call from yet another collection agency who on XX/XX/20 purchased this same XXXX XXXX   account. The previous agency is supposed to hold the account while investigation is pursued and resolution is made. Instead they close the account and the originator " XXXX XXXX XXXXXXXX XXXX sold my account to this new agency, Receivables Management # XXXX. I told this company I had a XXXX, CFPB and attorney general complaint logged as well as speaking to management about the FDCPA violation on the XXXX of XXXX. This is continuing the harassment when I tried to set up payment for XX/XX/XXXX. I requested a mutual walk away and {$1000.00} due to primitive damages. At this point I may be requesting more due to the lack of respect and continuing to sell my account when a hold is supposed to be placed on the account due to the complaint. Unless there is a resolution I am not aware of. I have contacted my internal legal counsel at my job- I am a XXXX   XXXX for a XXXX  XXXX  company that XXXX  XXXX  to collection agencies and law firms. So I was guided on how to proceed and was told to keep them up to date on this matter. I will be discussing this phone call with them again today to see what further actions need to be taken since I am not being taken seriously and the account was re-sold.

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 2020-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo violated me under the FDCPA. 806. Harassment or abuse harassment, oppress, or abuse any person in connection with the collection of a debt. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 812. Furnishing certain deceptive forms ( a ) unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer. They Violated the Truth In lending Act, and The Freedom of Information Act. My wife and I have discovered that our rights have been violated. We were the original Creditors, Natural Consumers and Principal on our account with our signature. Now we are scared that we will lose our home.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited {$2000.00} in cash ( 20 {$100.00} bills ) at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Texas. The teller who processed my deposit, XXXX, carefully inspected the {$100.00} bills. He asked me for my identification, looked at it and carefully looked at me and continued to examine the {$100.00} bills. 

After he completed the deposit, I asked him why he asked me for my identificationsince I was making a cash deposit and informed him that I was in XXXX for 43 years and XXXX & XXXX of a federally insured credit union. 

He said it was for " money laundering ''. 

I asked him if he was aware of the Bank Secrecy Bank and more specifically the Specious Activity Report and its requirements. I told him that a SAR was required for transactions of {$10000.00} or more, but if a pattern of specious behavior exists, a SAR might be filed for amounts as little as {$2000.00}. 

This was my very first deposit with Wells Fargo. 

I asked to speak to the Branch Manager and was informed that they were not there. 

I called a friend who is a bank compliance auditor and he said that the Wells Fargo employee violated the Bank Secrecy Act for 2 reasons : 1. The {$2000.00} cash deposit was well within the {$10000.00} threshold for SAR reporting purposes, 2. Since this was my first deposit, a pattern of suspicious behavior would be difficult to establish. 

Wells Fargo needs to adhere to the Bank Secrecy Act and better train it's employees.

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 2020-03-02 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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2020-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of CPI insurance added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the hell I've bin through because of 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 2020-03-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I received a letter from Citibank regarding the closure of my Costco Visa account ending in XXXX. There was no specific reason or advance notification. 

On XX/XX/2020 I received an email from Citibank regarding my annual reward certificate that will be forthcoming via email in XX/XX/2020, in the amount of {$2900.00} which is based on the previous 12-months of qualified spending. 

On XX/XX/2020 I faxed a letter to Citibank Card Services Support Unit as specified in the letter ( XXXX ) stating my concern over how disappointed I was in how it appeared that Citibank closed my account to avoid paying my annual reward certificate in the amount of {$2900.00}.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-03-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by AA to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/20 I purchased concert tickets from XXXX XXXX XXXX for {$1100.00}. Immediately I received a fraud alert email from my credit card company. I called my credit card company Chase Sapphire and acknowledged the purchase. I accepted that they declined the transaction for my protection. I went to a reputable web site and purchased tickets for the same concert. I obviously assumed the matter was closed. 

Chase Sapphire accepted the same charge after XXXX XXXX XXXX billed the charge for a second time. Ultimately after over a month Chase Sapphire denied responsibility for not blocking the second transaction, and I was forced to pay for a product I never utilized. The alarming fact that Chase Sapphire stood by a billing from a third party they aptly identified as fraudulent should scare every consumer that is also their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
received letter from GC Services Limited Partnership XXXX XXXX  XXXX XXXX TX XXXX about an alleged debt Over due balance with XXXX for {$250.00} on or about XXXX  XXXX 2020. I contacted both XXXX and there credit card carrier and verified that no debt was owed.So they are making up this information. An internet search shows records of various other attempts to collect something that it not owed.Sending them a letter to inform them this debt is not owed and not to contact ( a drop dead Letter )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I obtained a summary copy of my credit report. In my discovery I came upon a collection account opened XX/XX/XXXX with National Credit System for {$3600.00}. I made an attempt to contact this agency ( XXXX ) and was told the account was forwarded over to Law Office of XXXX XXXX. ( XXXX ). The agent that answered immediately verified my name/address and proceeded to inform me that I owed this debt. I advised the agent that I never received a Validation Letter of the debt in question, the agent then verified my address ( without me providing any information ) and went on to say the letter was sent out already and I should check with my post office. I then asked could she provide me with a tracking number, the agent said it was sent regular mail. I reiterated that I never received anything to the address she confirmed, therefore Im disputing the debt. The agent told me it will say on my credit until its paid. I spoke with a gentleman that alleged he was a Supervisor but refused to provide me his name and extension unless I now verify my personal information. The alleged Supervisor was adamant that I provide my personal information. I informed the alleged Supervisor that made me feel suspicious since the previous agent verified my name and address when I called into ( XXXX ). The alleged Supervisor refused to answer and questions or provide me with any assistance even when I advised him FCRA specifically states Im entitled to verify the debt to make sure accuracy of debt, amounts and disposition. This derogatory mark has had a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My XXXX XXXX  account showed a charge of {$3.00} from TD Bank that I don't recognize. A XXXX rep told me to call TD Bank about trace # XXXX XXXX XXXX XXXX XXXX. 

I phoned TD Bank 's main number, XXXX. After 10 minutes on hold, a woman answered and I explained the problem. She told me to call XXXX. When I called that number, it asked me for my TD Bank account number, which I don't have a TD bank account. I was on hold for nearly 2 hours before I hung up and called XXXX again and was again on hold for about 10-15 minutes until XXXX answered. XXXX couldn't help me, said to dispute the charge on my end with XXXX, which I am doing. In the meantime, if somebody at TD bank has hacked my account ( how do they know I  have an account with XXXX, and how do they know the account number? ), this needs to be dealt with by TD Bank. XXXX was unable to use the trace #, was unable to get a message up his line of command, unable to give me a phone number to call or email to write.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
I refinanced my home during XX/XX/2020 and received a noticed from the company that I refinanced with dated XX/XX/2020 that my loan 's servicing was being transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper The letter indicated I would be receiving correspondence from Mr Cooper " in the next few weeks. '' I have not received any correspondence to date from them, and attempts to contact the company have been unsuccessful via creating an account on their website and using the phone number provided on their website to contact them ( I get hung up on immediately ) I am now sending them a letter via certified mail asking for resolution but do not have any confidence that this will occur, especially given they underpaid my Homeowner 's insurance and had I noted made an additional payment to the Homeowner 's insurance company, that would have been canceled as well. I have attached the letter I am sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: LoanCare, LLC
State: ME

Complaint narrative:
In XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( LoanCare ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to LoanCare. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called LOANCARE to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XXXX bill but could not afford to pay the XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to LOANCARE, it reported me as 30 days late on my XXXX payment. In XXXX I filed a complaint with the CFPD against LoanCare. By letter dated XX/XX/2019 ( attached ), LOANCARE denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency XXXX  has not made the change and contunes to report me as 30 days late on my home loan. XXXX  says that LOANCARE has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. LoanCare has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of LOANCARE multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at LOANCAre has returned my calls.

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