vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is doing what I expected them to do when you give them the license to contact affected parties regarding loan modification denials, etc... I have spoken to more than one person and I keep getting asked to supply documentation. XXXX, XXXX Wells Fargo said there is no record of me requesting a modification. They said that all of my payments were processed when they were received and there is no record of them delaying receipt of payments to charge late fees. My attorney sent documentation via email and fax only to be told there is no record. Why do I have to be responsible for proving that Wells Fargo has been a bad actor. I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXX XXXX XXXX XXXX ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone opened an account with all my information & charged up an amount & the company is reporting on my credit & has refused to cooperate with removing it from my credit as I have told them I was a victim of identity theft. I have called & was placed on hold for 2 hours each time with people being very rude to me & I am a victim. i have also wrote letters to this company as well. This company is Navy Federal Credit Union I also asked this company what supporting documents did they have proving this was my account & they told me I would have to subpoena that information in court to know anything about this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Block, Inc.
State: PA

Complaint narrative:
Cash app closed my account and took away my card for no reason at all. They will not tell me why they closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not authorize my credit report to be used, in this case they used it multiple times without achieving any benefit but my credit history was affected.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I did not authorize my credit report to be used, in this case they used it multiple times without achieving any benefit but my credit history was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf Coast Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX, Florida XXXX Phone # XXXX or XXXX This company sent me a collection letter on XXXX XXXX. 
Reference # XXXX. 

The correct account number is XXXX ( XXXX XXXX XXXX ) XXXX bill was paid in a timely manner to XXXX and should not be in collection. Paid to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
I paid {$77.00} instead of {$76.00} on XXXX XXXX. The money order. 
# XXXX ( XXXX XXXX ) XXXX. This money order was mail from the post office. I will like for you all to delete these 2 paid debts from all 3 Credit Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX in the amount of {$180.00}. Money order # XXXX on XXXX XXXX, account # XXXX. Both debts are paid in full, no balance due to XXXX XXXX XXXX XXXXXXXX FL XXXX. It looks like, due to incorrect account number, they systems are showing me as still owing the hospital. Otherwise, I should not have received another collection notice for balance due. Please stop all collection efforts. Notify the hospital that my debt has been paid. Please verify my balance from each Collection Agency that payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX, I received notification from the credit bureaus that my Capital One card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/. Capital One agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from Capital One. 

Additionally, based on this incorrect late payment reporting Capital One decreased my credit line from {$4500.00} to {$2000.00} on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per Capital One, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my Capital One card. The agent says there is nothing they can do but to submit a credit limit increase request even though the error was their fault. This has severely impacted my credit due to the credit utilization score. Capital One needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX  about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX  was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX  to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The 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 2023-05-30 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: CA

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I contacted USAA about how my statement has two separate interests rates. One for cash advance and one on regular interest. The Interest for the cash advance will stop once the full payment on the account is made. So even if I pay back the amount I took out from the cash advance I will still be charged until I pay my whole balance. The reason they do this is because " The company is not allocated that way, so we can not separate where the money go. '' Quote From the Member of resolution team. The fact that it is the bank who sets up the fees, amounts as well as where the money goes is concerning sense this bank that is suppose to be supporting Troops or " American Soldiers. '' This seems like a way that would benefit the Bank more than the soldiers. Sense I didn't have a XXXX balance even after a year I was still being charged interest, but was paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: LA

Complaint narrative:
Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX XXXX  and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX XXXXXXXX Account cant be a Charge of because that means that XXXX XXXXXXXX XXXX gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX XXXX is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to Equifax. Equifax has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXXXXXX XXXX Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I just started banking with Chime I used thier pay any one feature had funds sent to a contact in my phone they never received the transfer off XXXX I called them and they said that that person had a chime account before on the website it says the recipient can receive money via XXXX XXXX XXXX etc. That person never recieved a conformation text saying I sent the money. He no longer has a chime acct and wanted the money to go to his active checking acct with XXXX XXXX XXXX was never given an option on how he wanted his funds recieved on top of that there stating it going to take 45 days to dispute the transaction not fair when your not giving people the option on how they want there money to go now im out off XXXX I had to pay this person with more of my money that I dont have its very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
This account was paid in full, without debt and is only reporting as a closed account affecting my credit since the information provided is inaccurate, it is not shown in the 3 credit agencies, it does not show any late payment or any relevant information. It only shows that the account was closed without debt but does not represent any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There are two simultaneous complaints. Ally Bank recently sent me a new debit card. I activated the card in mid XX/XX/2023 and have been using the card without issue. Today on XX/XX/XXXX, I tried to use the debit card for a XXXX XXXX purchase and the card was declined for a {$5.00} purchase. Since there way more money than {$5.00} in the account, I called ALLY immediately. I spoke with a customer service rep [ by the name of XXXX. Her response was the card is showing " inactive, '' yet it was activated XX/XX/XXXX and used MULTIPLE times. I then speak with a supervisor. He is telling me there is nothing they can do but issue me another debit card where I have to wait 5 business cards. That is unacceptable. 

Moreover, there is an additional complaint for a {$1300.00} purchase dispute for a item cancelled same day as purchase with XXXX and the seller XXXX XXXX. I called Ally Bank FIVE times spoke with three managers. They said they would send via email a link to upload all the supporting documents. Not only did they NOT sent the link, the CLOSED the dispute ON THEIR OWN without allowing me to upload the required documents. THis is lazy, inept, and indifferent to a long time client

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 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX  and all known subsidiaries repeatedly opened up fictitious loans against my property with identity theft and loan fraud, using government employees and fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have not used my Wells Fargo XXXX XXXX card since XX/XX/XXXX ( 3+ years ). Two large charges were made on those days with the card. 1 ) {$4100.00} and 2 ) {$4400.00} both invoiced for " XXXX XXXX ''. These amounts maxed out the credit of the card. I did not receive a notification or a hold on the two purchases made on XX/XX/XXXX and XX/XX/XXXX. I found out about the charges on XX/XX/XXXX from the XXXX XXXXXXXX XXXX Wells Fargo never notified me that the transactions were cleared on XX/XX/XXXX. I called the number on the back of the card ( XXXX XXXX ) to report the fraud on XX/XX/XXXX. 

I called again ( XXXX ) on XX/XX/XXXX to provide further information. I found out that they later denied my claim after calling on XX/XX/XXXX and asked to have it reopened. I was told I had to provide documents proving that I was not in Washington state during the time of the fraudulent transactions. I went over to a local branch in XXXX to have them fax all of the documents and escalate the case to be an executive complaint. I also emailed the same documents to XXXX 

I filed a police report with my local precinct on XX/XX/XXXX. Wells Fargo has been very unhelpful and have not sent any information on the transactions or why the claims have been denied. 

On XX/XX/XXXX, I was informed that my case was denied again. I called again to have the dispute opened. 

I have never visited Washington state and no other information for the location or items purchased was given to me. Wells Fargo has yet to provide any evidence that I made these purchases or authorized them to take place.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used a synchrony card to buy a bicycle to commute to work and train. The amount was XXXX. I was given a year to pay it off with no interest. The minimum was XXXX. I paid XXXX and sometimes more for a year. When the year ended I had about XXXX dollars remaining. XX/XX/2023 I was slapped with a XXXX dollar charge. This was the date the zero interest deal expired, making the amount due over XXXX. I paid off the entire outstanding bill. 

I am troubled by two issues. First, I am a father and a husband. If one of my children had bought a bike for college, they could have easily fallen prey to such chicanery. Second, I was charged a late fee for the first payment despite never receiving any details about the bill and who 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 monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I have not applied for loan. Everything that is reported is inaccurate from dates to account number In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the refit report. This grounds for removal they also violated my rights under 15 US C 1681 section 602 states I have the right to privacy. 

15 U.S.C 1641 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writer instructions. 

Also the Credit bureaus took more than 30 days to complete.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation