vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
As an addition to open case # XXXX, I, XXXX XXXX XXXX v Champion Mortgage Inc. 
This morning, XXXX, I opened my online checking account information with XXXX XXXX, to see if Champion Mortgage had posted my payment of {$140.00} made on XXXX, it still had not. I called Champion to see why they had not received my payment. They ( I talked to several customer service reps on as many calls ) told me payment was not made because there was a block from XXXX XXXX, preventing Champion from deducting payment from my checking account. I immediately called XXXX XXXX again, asking if there was a block anywhere on my account. They said there was no block, at all. Adding, if Champion re-submitted payment request there would be no problem. Needless to say, when I call Champion again, they claim after several attempts to get payment, they only get an error and no payment. My bank information has not changed and is the same as it has been for many years of paying Champion Mortgage by auto deduction. Please help straighten out this confusion. If left unresolved, Champion could call in the entire loan amount, risking my home ownership. 

PS On XXXX, I received another monthly statement confirming my payment was made on XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX land line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the debt and settled the account with XXXX XXXX through XXXX XXXX XXXX and it is being reported incorrectly in 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 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A bank teller at the Wells Fargo XXXX XXXX Wells Fargo branch helped me file a complaint for a fraudulent wire transfer, as a result to a hack to my email account where the hacker impersonated one of my vendors and gave me fraudulent bank information in order to re-route a payment to them. The case was assigned to Mr. XXXX XXXX at the Wells Fargo Fraud division. I called every day for 2 1/2 weeks and the customer service people at the bank transferred me to a different online department every time and told me that they were still awaiting a resolution, but that they were optimistic as far as the outcome because the wire transfer was the result of a fraud. Every day I called, got transferred a few times, then got the same response and they told me to keep calling. Today I called again and the representative at Wells Fargo online wire transfers told me the case had been closed 10 days ago and that they would not recover my funds since the beneficiary 's bank had refused to refund the money. I have all my accounts with Wells Fargo and as a small business ( I own a small, woman-owned translation business in XXXX XXXX ) this affects me profoundly. The bank 's treatment of a valued customer is horrible. The stress and time I have invested in this is endless. Can you please do anything to help? It would be much appreciated.

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 2020-12-21 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: CA

Complaint narrative:
I sent another dispute to the bureau regarding unvalidated, inaccurate accounts ( XXXX XXXX CARD SERVICES XXXX and XXXX/XXXX XXXX ) on my report that has many inconsistencies. I also demanded that they validate the accounts but they didn't do it. I haven't received any documents that shows that the creditors validated the accounts to me. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate accounts and all the discrepencies. I will be forced to file with the FTC if these inaccurate accounts don't get deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today I contacted y'all dispute department about my claim Date,XX/XX/XXXXTransaction. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX CA XXXX CARD XXXXAmount, $ XXXXClaim Number,XXXXStatus : Closed because I never received my refund check in the mail yet I told. She told me that I would decide in the mail in 10 days because she will have someone look at it. I told her what the other agent told me last month that she will have them send me a check in the mail for {$9.00}, and my claim was approved because she couldn't refund it back to my account. After all, my wells Fargo account is closed.

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 2020-12-21 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 — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Rushmore LMS is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I received a call supposedly from XXXX XXXX ( and it came up on my phone as that ) They got my checking account #, some how went through Zelle and took {$500.00} dollars out of my checking account. 
My bank said that they tried to recover the funds from Zelle and were unable to. 
So now I am out {$500.00} and my bank doesn't do lending and I don't know why when CLEARLY IT WAS FRAUD that even Zelle can't refund me the money. Its alot of money plus the holiday but I just need to pay my bills and not bounce my checks. XXXX dollars is one thing but XXXX is ridiculous. If there is any way in helping me get my money back I would appreciate it. If you need any other info let me know. Or if you can't help who am I suppose to be contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: MI

Complaint narrative:
I requested in writing through certified mail for Equifax to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail ( report # XXXX ) stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party vendor named XXXX. They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. XXXX has also deleted this record off my file and I have confirmation from XXXX  attached showing the deletion. I also reached out to XXXX and they have deleted this record off my file in which I have attached proof of it. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like EQUIFAX and they said NO they dont. I have this letter attached as proof of equifax violation and failure to accurately and completely verfy this record with the original furnisher the bankruptcy court they have listed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I finalized my mortgage with Bank of America and upon making my first payment, they required a BofA checking account to make payments. I used the account only for payments to my mortgage account throughout the life of the mortgage. On XXXX I refinanced my mortgage with another bank. BofA closed my mortgage account as expected. I received no notices in my mail or email regarding the checking account ( that I believed to be closed. ) On XXXX I was charged a {$25.00} dollar " Advantage Monthly Maintenance Fee ''. True to the charge description, I felt taken advantage of. I called in on XXXX and spent 36 minutes on hold before the call dropped ( from a landline so it was an issue on BofA 's side ). Life got the best of me and this issue dropped off my radar. On XXXX I was once again charged another {$25.00} " Advantage Monthly Maintenance Fee ''. I called in again on XXXX and spent another 38 minutes on hold before I had to leave to pick my son up from school. Finally on XXXX after spending another 22 minutes on hold, I was able to speak with a representative that refused to reverse the fees and explained that there was no way for them to be removed from the account. They also said they could not close the account until the balance was paid. I repeatedly requested the account to be closed and they finally relented and did so. But I fear they may be sending me to collections over these absolutely ridiculous charges.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-21 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: FL

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer {$10000.00} from my Chase checking account to my account at XXXX. The transfer was initiated from my XXXX account via my online account, and {$10000.00} amount debited from my Chase account on XXXX, but no amount was ever credited to the XXXX account. XXXX first claimed to have rejected the transfer, and most recently, is claiming that they never received the credit from XXXX, the third party bank intermediary for the transfer. Over multiple days and hours, I have been bounced back and forth between the various ACH and Claims departments at each of the banks, each bank telling me that they can not do anything in this situation and that it is the other banks responsibility to file a claim with XXXX because they do not hold the chargeback and/or recovery rights. It is now XX/XX/XXXX, and I am still without access to the {$10000.00} or any resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Here is a time Line of the Wire that was sent and activity since. 
Parties involved include XXXX XXXX XXXX XXXX XXXX XXXX ( owned by XXXX XXXX ) and XXXX XXXX XXXX ( representing XXXX XXXX ) 1. On XX/XX/20 XXXX received Wiring instructions from XXXX XXXX ( Exhibit # 1 ) XXXX XXXX XXXX sends over Wire Instructions via email 2. On XX/XX/20 XXXX/XXXX wired {$150000.00} from XXXX XXXX ( Exhibit 2 ) XXXX XXXX XXXX is wired $ XXXX from XXXX XXXX. EX # 1 & EX # 2 are highlighted in green to show they match On XX/XX/20 XXXX XXXX confirms wire is Well received ( Exhibit 3 ) 4. On XX/XX/20 Randomly XXXX XXXX, XXXX XXXX XXXX, confirms they received the funds. ( Exhibit 4 ) 5. Between XX/XX/20 and current we have been communicating with the XXXX XXXX, our bank ( XXXX ) on a resolution to correct this matter. Well Fargo will not correct. XXXX states that they are not going to correct. $ XXXX sent to an account that does not belong to recipient. 

6. On XX/XX/20 XXXX XXXX Communicates to me via phone that they, nor Wells Fargo, should be liable in this instance and that we have the Wrong Wiring Information ( EX # 5 ) Wells Fargo is not communicating, nor are they returning the funds to our account. They are supporting this fraudulent activity.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I believe a credit card account with Comenity-Wayfair ( XXXX ) was opened in fraud. I have contacted XXXX and Comenity fraud dept. with no help in the matter. 

I did open an account with XXXX-Wayfair but not Comenity-Wayfair. 

Please help me solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I applied for Public Service Loan Forgiveness ( PSLF ) and was denied and then applied for the Expanded ( TEPSLF ) and was also denied. This was done in the fall of XX/XX/XXXX. I have well over 120 payments required and have actually been employed as a public prosecutor for almost 16 years. However they refuse to count the majority of my payments claiming they or not the correct type of payment. But they are now counting my payments even though I never changed my payment plan. I moved my loans back to the Dept of Education in XXXX/XXXX once I could to take part in PSLF. No one ever told me that there was a specific repayment plan needed to qualify even though I specifically asked. I also thought the TEPSLF was intended to correct this issue but was denied under that as well. I have been paying back my student loans for over 21 years and have been in public service almost 16 years. If anyone is deserving of this program it is me. Please look into this and help me. I have continued to make my payments every month even through the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. 

The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. 

I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. 

I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. 

Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2020 on XXXX eastern Credit Corp Solution 's called my phone which was recorded and asked for X name. The person said on the phone what is the regarding. they explained a personal business matter- are you X - to which was replied i am not giving that information. the company credit corp solution 's then stated can i get your SSN. TO which was replied i am not giving you any information. CORP solution then said well i have XXXX as the last 4. The call then kept going to which they asked for the birthday- which was replied i am not giving you that information. Corp solution then gave out my full birthday. they then said this is for a XXXX credit card. 

So all in all they gave to an identified person on my phone my last 4 of my social- my full birthday, and that it was regarding my XXXX credit card ( which is obviously it is for debt collection. )

Company response to consumer: Closed with explanation