vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am hoping I can get some help. I am a XXXX XXXX XXXX in the City of XXXX XXXX. I have a XXXX XXXX XXXX and I bank with Wells Fargo. The only 2 individuals who have access to this business account is me and my wife. On XX/XX/XXXX someone hacked my business account and made a debit of {$15000.00} which I had saved to clear XXXX   checks. The very same day ( in a few hours when I was checking my account if the checks cleared I saw the debit transaction and immediately contacted Wells Fargo to stop this transaction ( the transaction was initiated at around XXXX PST ) and we contacted Wells Fargo at around XXXX while we pleaded to stop this transaction it was not. When we contacted Wells Fargo again we were told that there was no claim opened and a complaint was filed with Exective Office. After about 2-3 weeks we are told that the claim has been closed. We have begged and pleaded with Wells Fargo Claims department and Executive Office for more information and have always reached a wall of " it is internal '' when asked more details and information. We are then provided with " Right to documentation package '' and when we have questions on how this Direct Pay was setup we are given the same answer of it is internal, because if it was online then there has to be a record and an IP address associated and if it was done in person then there has to be an approval. 
My wife was at the bank that day making a deposit and she was there only for the deposit and did not setup the Direct Pay. 
Wells Fargo refuses to share information citing it to be " internal '' while expecting us not to question the {$15000.00} and how it left my account. 
Based upon the login information shared by Wells Fargo it clearly shows that we logged in on XX/XX/2020 at XXXX and logged out at XXXX and the next login was on XX/XX/2020. 
All this is so baffling and frustrating but in the end I am short of {$15000.00} and am pleading to your office to intervene and help us get some clarifications and answers. 
I have to pay my lease, utilities, employee and XXXX  and to loose that big of an amount for any small business is a huge blow and especially during these tough times. I will be more than happy to share any information or documentation that I have from Wells Fargo. 

Thank you XXXX 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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NV

Complaint narrative:
Not only was I never given the chance to dispute the debt before it went on my credit report but the information they have now provided is insufficient. 

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX  to Gregory Funding. I was in the middle of a loan modification - and was assured that Gregory Funding would honor the terms of my loan modification with XXXX XXXX. 

I have tried on 6 occasions since XX/XX/XXXX to have my loan terms correctly applied with Gregory Funding and have been given excuses as to they need more time to setup my account and or they dont have the loan modification agreement. I have sent them the loan modification agreement via fax that Gregory Funding provided on XX/XX/XXXX, emailed after getting no response on XX/XX/XXXX, and then uploaded to their website on XX/XX/XXXX. Not to mention that every call takes a minimum of 20 minutes on hold before you speak with anyone! 

All I want is for Gregory Funding to accept the terms of my loan modification, which they must legally honor in accepting the transfer of my account from XXXX XXXX. I have placed XX/XX/XXXX payment in escrow as they have refused to accept the funds and will do the same for XX/XX/XXXX if this is not resolved quickly.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I received my stimulus money in form of a Debit card from Money Network Cardholder Services on XX/XX/2020. I tried to call their Customer Service number XXXX. 
I wanted to speak to a customer service person, but was not able to do it. The machine said that you can reach customer service, main menu or to activate your card by pressing " XXXX ''. I did, but was never able to reach the main menu or customer service. I was forced to enter my card number, 6 digits of my Soc. Sec. and had to select a pin to get on with the system. If I did not do it, I was disconnected. After activating my card I was not able to do anything else and was disconnected again. 
I wanted to transfer the money into my checking account, but to do this I had to have a computer and sign in to the Money Network Cardholder Service. They are not the government and I have no idea what they will do with my information I had to give them. 
I am retired and receive Social Security. I have my Social Security directly deposited into my bank account. Why has the government created this obstacle for us retired people when we were promised to receive the stimulus money through directly deposit into our bank accounts?

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called the bank on XX/XX/20 and was told the bank closed my checking account without my knowledge. They called it a administrative decision. Was told the only way I would get my balance was via mailed check or wire transfer. Called again on XX/XX/20 to ask if bank transfer was an option. Told by customer service, it was a flat out no. My new account doesnt take wire transfers and I am unable to use mobile deposit without being enrolled in direct deposit. I should be allowed a bank transfer from a closed account to my current open account. This bank makes customers wait months to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
This is in re : Cash App My email : XXXX Date : XX/XX/2020 Cash App name is : $ XXXX  This happened to me XXXX XXXX and money was sent to me by another person who is my client who uses me for XXXX XXXX XXXX XXXX. She normally sends {$80.00} to me every week for over 9 months todate. Her name is XXXX XXXX whom sent me money that I never received. XXXX sent {$80.00} twice to my assigned name and I never received neither to my account with Cash App. 
It seems to me Cash App needs to have someone answer their phones but does not have a person to do this. For whatever the reason I dont know why this is not a part of being in business, but this is a very detailed part of being a trusted and trustworthy company to be found and to get a real person on the phone to help you with any amount of money that may be in question. Cant see how they got licensed without the protocols of handling customers money with a live person to answer phones. We live in a sad world today with many loopholes and modern technology but folks still dont use their brains on common sense areas. 
If someone can please get back with me in this respect in getting my money back. 
And if you may need to contact me in anyway possible, please dont hesitate to call me at XXXX. 
I would appreciate to see things worked out and if possible changes could be implemented in a seemingly good business that started out good but somewhere down the line someone possibly had a better idea of stealing from the company for themselves from their clients. 
Thanking you very much in these regards. XXXX XXXX XXXX, customer to Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I authorized a money transfer of {$5500.00} from my HSBC Premier checking account XXXX to the account of my relative in XXXX on XX/XX/18. This money was never sent, nor did it reappear in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-05-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}

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 2020-05-27 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}

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 2020-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary  damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TN

Complaint narrative:
XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-27 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  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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