vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I should be in the settlement with Wells Fargo mortgage I lost my house in 2019 after having it for several years because they kept going up on mortgage and escrow to where I just couldnt pay it. I had to sell my house for for little of nothing

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
being charged way to much overdraft fees i was getting charged double

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Reimbursement of over draft fees at Wells Fargo Bank.

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: UT

Complaint narrative:
I worked for XXXX XXXX XXXX in XXXX  over XXXX  years ago. I left the company around XXXX of XXXX. Since then I have not heard anything from the company until XX/XX/XXXX, over 7 years since I last worked there. They claim that I owe them half of a sign on bonus and it has affected my credit significantly. Under the statute of limitations in the state of XXXX, this debt which I do not owe because I worked for them and never used any of their services, it is illegal to try and collect a debt once it has passed XXXX years. I have tried to contact the company multiple times and have been in disputes with the collection agencies because this is a wrongful debt and illegal. I have also hired an attorney to assist, but they have not been able to get anywhere because neither the collections agency nor XXXX will respond.

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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Took back the money that I had got from a gig that I did from a job off of XXXX  More than XXXX close my calendar after hours a gold member valued member

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 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My husband and I live in our home XXXX XXXX XXXX, TN XXXX. It was sold to Mr. Cooper/NationStar on XX/XX/2022. Since the transfer they have purposely missed applied payments, refuse to do the VA modification loan. Instead they are trying to force my husband to do a modification with a higher interest rate. They have given my husband statements after statements with wrong amounts. We were only behind one payment, and we worked hard to catch it up. They stated to the VA liaison that one of our payments never cleared the bank when we show that it did with bank statements. They are constantly stating that if we don't get it caught up in 1 month they will start Foreclosure. VA has guidelines that help veterans and they are not following those guidelines. Even our escrow account is mishandled where it is steady growing negative since they are miss applying monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was with Wells Fargo for XXXX yrs. Now my accounts are closed because for some reason everytime I would mobile deposit checks, or just go to an ATM and put money in there when I would go back to check my accounts it XXXX always be way less than the amount I suppose to have had. And then when I would call to see what was going on with my money they could not explain, or give me a reason as of to where my money went. I dont remember the exact dates but I know they have took over {$100000.00} from me. So I got sick of it and closed my account.. Wells Fargo is not a good bank.and I wish I knew then there was someone besides them I could talk to instead of customers service to get things resolved. Please help me regain my money back from throughout the years. That has caused me a lot of pain because I was not able to keep my promise with bills an things knowing the money was In my accounts. But when I turn around it wasnt. Ive went with no water, no light etc..

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 2023-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Tried to close account and was told I could not unless going to a branch in person, I went to the branch to close the account and was denied closure due to security reasons and suspicious activity on my 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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just read about the Wells Fargo consumer mortgage settlement. In XX/XX/2013 I finally escaped the Pick-a-Pay mortgage nightmare by paying off the mortgage balance on a home at XXXX XXXX XXXX XXXX. XXXX in XXXX XXXX XXXX, XXXX, by borrowing the funds from my father. I was tricked into the Pick-a-Pay at last minute before closing by a team of XXXX employees XXXX before the Wells Fargo merger XXXX but was put through months of phone calls, letters, and incredible stress trying to rectify the situation. 
Please contact me with information on what is needed to pursue this complaint. I made the pay-off soon after XXXX XXXX, XXXX  by depositing a cashier 's check from XXXX XXXX  XXXX I closed out my checking and savings accounts at Wells Fargo soon thereafter. 

The insulting run-around I endured resulted in tears and extreme frustration as month after month, the amount of my mortgage payment climbed and no one at the bank would concede that the terms of the mortgage were changed without due process, ( my credit rating was sufficient to warrant the traditional mortgage interest rate I originally requested ).

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wouldnt let me deposit check some purchases wont go through and also they take money from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is in response to CFPB complaint XXXX. Company not allowed to collect debt in my state. Please see attached documents

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is in response to CFPB complaint XXXX. Company not allowed to collect debt in my state. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Many auto loan payments were not properly applied which resulted in late charges as if I wasn't keeping the account current. This auto loan also very seriously, adversely affected my credit score I was working so hard to repair in order to purchase a home. I had an auto loan with Wells Fargo between roughly XXXX. The car was ultimately totalled in a car accident. A white XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This is a continuation from CFPB complaint # XXXX. I am sending XXXX XXXX XXXX my hardship packet in order to go on a fixed monthly payment and in a effort to suspend or lower, the {$22.00} variable interest I am still adding to a {$3600.00} store card ( XXXX XXXX ) that should be in charged off status already. 

My name is also on a offset status with XXXX XXXX and XXXX is in charge of making sure any federal payments are held as well as my wages. I hope the packet gets approved and I will no longer be in that status and be allowed to pay {$300.00} monthly at {$75.00} weekly. At this moment the debt is at approximately {$4300.00} with the charged that XXXX charges for their service. I have attached the packed sent to them XX/XX/XXXX via USPS. 

According to the XXXX reply on CFPB complaint # XXXX, this debt is at over {$4100.00} on their letter inviting me to complete the hardship packet. They also sent a dues charges sheet with a total due as of XX/XX/XXXX of {>= $1,000,000}. I believe this 2nd one is a typo. There is also a statement dated XX/XX/XXXX of {$3800.00} for XXXX XXXX which I am not related to nor have I named him as an authorized user for the account, this must also be a mistake. Please make sure these mistakes do not get added to my debt for ANY reason as other cases that XXXX has been involved in the past. 

This card was originally opened in XXXX during my military service and in XXXX I was not able to keep up the debt due to the state of the world. I was placed on their hardship program and was debited from my XXXX bank account monthly until there was a missed payment which caused the account to go on default status. 

The debt around that time was {$2600.00} ( from a {$3600.00} limit that the card had ) and I was only able to pay {$40.00} monthly which was only covering barely interests which had gone back to accrue due to the default status ( this card never gets " charged off '' apparently ). 

I lost my XXXX account and this account went back up to over {$3000.00} and through XXXX and XXXX I have been trying to pick up the payments to try to settle but if this account is delinquent it should not be still accruing interest on the original limit of {$3600.00}.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a 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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo approved me for a used car loan back in XXXX. I had full coverage insurance thru the time of the loan but Wells Fargo still charged me for GAP coverage which caused me to fall behind on my payments. This resulted in some negative marks on my credit report. There was one month I had changed over insurance I believe to be in XXXX and picked up new insurance a month later. However Wells Fargo charged me the full GAP insurance and never gave me credit as to having insurance. Wells Fargo also misapplied some of my payments due to this GAP coverage they were adding onto my loan and caused me to fall behind and caused repossession request which again caused a negative against my credit report. I had the loan for a total of about 4 years ( XXXX ) and due to the negative reporting it caused me not to be able to get financed to purchase another vehicle. It started in XXXX and continued thru the life of the loan causing me to loose about {$3700.00}. Due to the misapplied payments and billing me for GAP insurance caused my loan to increase even more than what I originally was approved for. This caused me to turn upside down in my car loan with Wells Fargo and resulted to me buying a buy here pay here car that ruined my credit and I am still suffering from it now. This caused me to go into a deep XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I mistakenly submitted my account number of Discover Card which had not been activated. ( I have two accounts ),. Immediately an email was sent stating, the '' CARD WAS DECLINED BECAUSE IT HAS NOT BEEN ACTIVATED. '' Before I could make an adjustment, Discover Company charged the amount of {$54.00} to my account without my authorization or activation! 
I've made several calls to the company and each representative had a different story as to why the purchase went through despite the card not being activated by me. 
In my effort to get this rectified, I wrote on XX/XX/XXXX stating my dispute. 
XX/XX/XXXX I received an email stating they were not at fault and the {$54.00} would remain on my account. 
While still disputing, XX/XX/XXXX, I paid the amount in full only to avoid late fees or interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over charging fees

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
To whom it may catch their attention, on the end of the month of XXXX I started disputing and allege Account with Santander Consumer USA XXXX And XXXX XXXX XXXX in the city of XXXX CA, I have noticed Several illegal activities on the contract. I addressed this with the dealership and with santander consumer USA. I have asked for verification on the contract of the vehicle, I have also noticed that I am making payment to Santander Consumer USA. on the contract that I signed With XXXX XXXX XXXX Shows My signature. But not Santander Consumer USA. In order for a contract to be valid both parties Signature Needs to be in that contract. to me, this is considered fraud I would like to continue making my payments. as requested by santander, consumer USA. If Santander. Could provide me with a signed invoice I will be happy to pay it. But if Santander Consumer USA. Can not provide me? With that sign invoice I am considering this account as discharge and regarding XXXX XXXX XXXX. The {$5000.00} given for the down payment of the Vehicle which I Was not required to pay. Needs to be returned to the consumer Also, to my knowledge, Santander Consumer USA XXXX TENDER OF PAYMENT. 
If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Also, my understandings are the following.

Obligation to my knowledge the term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank. 
currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Company response to consumer: Closed with explanation