vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the third complaint I've sent in about Wells Fargo erroneously cashing a check from me for {$4000.00}. I have followed all instructions on getting the funds back from Wells Fargo but they continue to hold that money on their side and refuse to return it. XXXX XXXX at the XXXX XXXX location in XXXX XXXX of Wells Fargo claims that they don't have the funds yet XXXX tells me they haven't seen it and they have sent wire instructions to Wells Fargo 's claims department as well as sent a claim to Wells Fargo for the reversal the check. Wells Fargo does not have a copy of the check as it has been destroyed. They have stolen {$4000.00} from me and refuse to return it.

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 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
On XX/XX/2019 when attempting to get pre-qualified for a home mtg. loan, I found that there was a collection on my credit report. I contacted the original creditor, and asked them what I owed their company. I right then paid the outstanding amount they said I owed. The company emailed me a receipt. I then rechecked my credit report after a few days, and not only is the debt still showing unpaid but another collection agency on XX/XX/2019 added a new collection from the same original creditor. I have asked and sent numerous emails to try to resolve the issue, with no response what so ever. I also called the collection company, was told someone would email me. I am trying to purchase a home, and this is an urgent matter. I need a response, and need my credit report updated showing the account has been paid.

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 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
The company contacted me on several occasions via phone and mail attempting to collect on an account that has exceeded statue of limitations. I have requested that they do not contact me for any reason but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: FL

Complaint narrative:
I was unaware of Perfection Collection having my account of debt they became owners of my debt XX/XX/XXXX. They never mailed me any notices about my debt prior to reporting me to the Credit Bureau on XX/XX/XXXX. Once it was reported to my credit report I became aware that this company Perfection collection had it. This account had been with 2 other debt collectors ( XXXX XXXX and XXXX XXXX ) and i was made aware of those because i was notified in the mail by them in the balance amount of {$3800.00}. Once I saw the company Perfection had my debt on my credit report with a balance of {$4400.00}. Which my debit also was reported on my mothers credit report as well as a joint owner which was false. my mother and I went round and round with Perfection Collection and the original debt holder XXXX that the account was wrong my mom was fraudulently added onto my account. Charges are in the process for the fraud against XXXX and I have an email from the original debt holder that my moms name is to be removed from the account and reported to be fixed on the credit report. That still hasn't been done but during all of this I sent a written dispute to Perfection collection that I didn't agree with the balance owed and to please send my written documentation showing my debt and how the balance has be increased for justification. After several attempts via writing and calls to get this documentation to me for my dispute they have refused to provide the evidence. The ding on my credit will continue to be on my report which I would like to resolve but don't feel comfortable to settle my debt with Perfection Collection till I have the documentation of my debt and the balance increase in writing to me in the mail for my files and justification. I feel this company is violating my consumer rights. Perfection Collection keeps trying to justify their actions by saying they are offering me a 25 % discount of my debt but how am I to know that I am being treated fairly if they will not provide me any documents to justify it all. Perfection also said that i would find the additional charge in my original contract with XXXX i read the contract let them know i couldn't find such wording of additional charges if account goes to collection and any $ amounts. I've asked for them to show me where it is in the contract but have not been shown.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Navient Solutions, LLC.
State: ID

Complaint narrative:
XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing.

XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact.

XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans.

XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers.

XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans.

XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport.

XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions.

XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain.

XX/XX/XXXX-Navientputthestudentloanonmycreditreport

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting on a debt I do not owe. I was forced to return this vehicle due to not qualifying for financing. I took that back and they didn't give me back the car I had originally had traded in. This should have been adjusted as I do not owe this debt and it never a repossession. They are in violation of reporting incorrect information on my credit file.

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 2019-03-15 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: TX

Complaint narrative:
I contacted transunion and XXXX  about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX  would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with The Bureuas THE BUREAUS # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/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 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Me and my late wife purchased a new truck together in XX/XX/XXXX. She passed away in XX/XX/XXXX while we were moving from XXXX to XXXX. She was XXXX and did not have a will. Everything went to an estate that I was the administrator to. I had to purchase her half of the truck from the estate and I did. The problem came when I was attempted to register the truck in XXXX. The bank has the estate of [ wife 's name ] on the title. After many conversations with the bank and with the DMV they sent a copy of the title to the XXXX  DMV [ where it was originally titled ] I had to sell it from the estate and myself and re purchase it as myself and then the DMV sent it back to the bank. They said it would remove her from the account. My XXXX registration expired XX/XX/XXXX. I have not been able to drive the truck, register, or even sell the truck because it shows estate of on the title. I communicated with the bank and they said they will not be able to remove her from the account. I have audio recording of them saying this. I informed them without being able to use the truck I can't make money with it. I do long haul pick up and drop offs for a friend farm. I informed them that I was not able to pay if I can't use the truck. They gave me one one month extension but that was it. They just repossessed the truck. When at the dmv I had the person there talk with the bank over the phone. This is not an exaggeration, the DMV was banging there heads on the table because of this. This bank made a difficult situation with the passing of my wife into a nightmare. Please can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
The company contacted me on several occasions via phone and mail attempting to collect on an account that has exceeded statue of limitations. I have requested that they do not contact me for any reason but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Since the inception of my loan with US BANK, I have been charged a {$5.00} fee for submitting my payment via the US BANK website if paid after the XX/XX/XXXX of the month. This loan was originated inXX/XX/XXXX the fee continued until the end of XX/XX/XXXX. This covers at least XXXX or more payments. I reached out to US BANK numerous times thorough out the years and they always said " too bad '' Nothing in any of my original loan documents supports such a fee and I feel that US BANK is and was in violation of the Responsible Lending regulatory rule, the violation would be that they didn't disclose all fee 's.

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 2019-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked that Equifax remove an incorrect collection from my credit report 3 times with no avail. I do not have a collection with XXXX. It is listed as XXXX XXXX, account XXXX amount XXXX on XX/XX/2016. I do not believe that they have even looked into this with progressive. My disputes are being ignored. This should not be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC
State: VA

Complaint narrative:
I made a mortgage payment through Reliance First Capital web site on XX/XX/2019 for {$1700.00}. The payment was sent by my bank and then pulled back. I contacted XXXX XXXX about the issue they told me I had the funds for this transaction but they did not know why it was returned. I went back to Reliance First Capital 's web site on XXXX-19 to complete another payment request. The Reliancefirstcapital.com web site is not secure. I tried on both XXXX XXXX and XXXX. Both said that their site was not secure and information could be stolen. I believe that is why the first transaction was canceled, because the connection was not secure. I called Reliance First Capital and spoke with a representative named XXXX. She acknowledged that Reliance First Capital was  having problems with their web site and they were working on it. She said she could take a payment over the phone but there is a {$9.00} fee. I said the fee should be waived if you are having technical difficulties processing normal payments. She said they could not waive the fee. I ended up making a payment over the phone because I could not make it after many attempts on their web site. They should refund the {$9.00} fee because the problem is on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We fell behind on our mortgage payments and after we realized we werent able to catch up we contacted Shellpoint Mortgage Servicing and submitted an application for borrower assistance. After being asked to submit and resubmit numerous documents finally as of XX/XX/2019 out application was considered complete, we received in the mail a letter stating they were reviewing our completed application and while application was being processed we would be granted relief from further action towards foreclosure. Then a couple days later we were served with a court summons stating that shellpoint had filed a lawsuit for foreclosure against us ... .the filing date was XX/XX/2019 the very day after they labeled our application for assistance complete. When I contacted shellpoint about this error / contradiction of what their letter stated I was told that foreclosure had actually begun XX/XX/2019 ... ..though nothing was ever filed with XXXX County court before XX/XX/2019. Even if they had begun moving towards filing a foreclosure lawsuit according to the letter Shellpoint sent us further action wouldnt be taken until a decision on loss mitigation was made ... ..its obvious the continued forward with steps towards foreclosure by filing lawsuit on XX/XX/2019. From research Ive done this is prohibited by federal law and is considered dual tracking which falls under fraudulent activity my a mortgage servicer. I maintained contact for weeks jumping through every hoop shellpoint reseated we jump through having faith they were truly out to help us find a resolution to move forward ... ... when all the while they were perusing foreclosure at the same time as they were helping us. I feel Shellpoints actions are deceptive and dishonest and dont follow the regulations set out in RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian failure to remove XXXX XXXX from report : this is not a request for an validation or investigation on this account the ACVD { 15 U.S.C. 1681-2 { b } you received the automated out come to remove this account just like the other credit  reporting companies please so so now NOTE if any account is Modified or deleted a carbon copy is sent to each CRA please remove 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 2019-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EMCC Holdings, LLC
State: MS

Complaint narrative:
on XX/XX/ 2019 I contacted XXXX XXXX  to clear up and installment loan that was acquired by XXXX XXXX. I paid XXXX dollars with a debit card, this payment has cleared the bank. when i made this payment my account read on my credit bureau that the original loan was for XXXX and my balance was XXXX, and that i was late XXXX dollars, now i paid XXXX, the next week the credit file had been update by them to show i was past due XXXX! after i just made the payment, that same week XXXX XXXX sends me a bill saying i owe XXXX for past due fees a monthly bill of XXXX for a total of XXXX not due til XXXX OF THIS YEAR?!. we called XXXX to see what was going on and you cant get any one on the phone so we called XXXX XXXX they tell us they didn't use the money we paid to pay our late fee THAT WAS INCLUDE IN THE TOTAL AMOUNT PAST DUE OF XXXX, THEY SAID WE ( XXXX XXXX/XXXX  ) CAN APPLY IT WHEREVER WE WANT. now XXXX XXXX wont even answer my husbands calls and the credit bureau STILL is reporting wrong. So we have two bills received in the same week that totally contradict what is really going on. The bills received also has two different balances than whats even reporting to the credit bureau! so that's a total of three different balances. We've recorded all these phone calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.

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