vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have had multiple hardships including the death of my husband I submitted a completed application for loss mitigation in hope of got ta modification when i came out of forbearance in XX/XX/2021. I was sent an acknowledgment letter from XXXX XXXX XXXX they assured me they sent my file to underwriting but they never answered the application the next thing that happened was they sold the servicing rights to Rushmore loan management company and they wont even talk to me they have been seeking aggressively to take my home, I was approved XXXX from HAF but they wont discuss a settlement with me. They motioned for summery judgement and I am still awaiting an answer on the modification I am a two hurricane survivor i experienced job loss due to Covid 19 right after my husband and co borrower died. I am receiving XXXX XXXX XXXX XXXX and could afford the payment now but they dont want the money. They mis placed funds i paid in lost my escrow a lot of violations have occurred please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FirstPoint Collection Resources
State: FL

Complaint narrative:
I am writing to inform you that I have yet to receive any information or documentation from your company regarding a wet ink contract stating that I own the debt in question. Despite my multiple attempts to reach out to your company for the original documents, I have been denied. 

As per the Fair Credit laws, I am requesting that this debt be removed from my record immediately. Failure to do so will result in me taking legal action based on related laws that pertain to this violation.

I have made three attempts to contact your company and request the original documents, but I have yet to receive a response or any information that would indicate that I am indeed responsible for this debt. The Fair Credit laws require that consumers have the right to review and dispute any debt that is reported on their credit report.

I understand that errors may occur, but it is the responsibility of your company to provide me with the necessary documentation and information to properly review and dispute this debt. By denying me access to this information, your company is violating the Fair Credit laws and my rights as a consumer.

I hope that this matter can be resolved quickly and efficiently, and that your company will take the necessary steps to provide me with the original documents and information that I have requested. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I left Wells Fargo in XXXX and have had an account with them since before XXXX. I left them because they would charge so many overdraft fees and take money from me repeatedly that I didnt even have ( making my- {$20.00} to XXXX or even less sometimes. It made it very hard to bounce back from not having anything. Frequently, I would file a complaint get them to reverse it, but most of the time, they were denied.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was having a mortage with bank of america bettowen XXXX to XXXX i want to make sure that dont take me more money and sure that i was the correct interest that they charge to 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 2023-01-22 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: GA

Complaint narrative:
During the span of the time i was with Wells Fargo, i had multiple overdraft fees that were charged to my ACCT. my acct was low but i never went over my available amount, by the time Monday hit all the charges made were now negative and i was hit with these " SURPISE '' charges of {$25.00} every charge. Most of these charges were less than {$2.00} at the most. I work weekends and would make several charges and by Monday several hundred dollars a week would put me in the negative thus taking most of my check for the next week. I was with them roughly from XXXX to XXXX, i could be wrong on the years.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo has not been in my town for a little while now I had to shut my account down because I went into cash a check it was almost {$1000.00} check past I asked them to deposit {$180.00} for a bill they deposited it {$180.00} and gave me {$180.00} in my envelope I will I drove right around went right inside they act like they didn't know where my money was I closed down my account and I've been trying to fight this case ever since it was like rough estimate of XXXX to 15 years ago that this happened Wells Fargo has not been in my town because of all the fraudulent stuff that they do they were removed from my town all of them

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 2023-01-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion XXXX XXXX # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion 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 non-monetary relief
Consumer complaint received 2023-01-22 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: OK

Complaint narrative:
There is a bankruptcy XXXX  XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There is a bankruptcy XXXX XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account last year 2022 got closed because I deposit a check it was so large suddenly got closed due to this check.

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 2023-01-22 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: FL

Complaint narrative:
I had a wellsfargo checking account from XXXX. When I opened my account I signed a paper stating that if my funds got low that any other payments would decline. Suddenly I'm trying to check my account and it's telling me I'm overdrawn {$280.00} and some change which is impossible because like I previously said no payments should come out if my balance was low. I called Wells Fargo and they tell me that it's payments I made and that I would have to pay that back. How could I have made payments if my account was set to decline if I had insufficient funds. They never resolved the issue and refused to give me back the money they took out of 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 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I recently read an article on XXXX RE : If you had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by " illegal activity, '' ranging from incorrect overdraft fees to wrongful foreclosures- I am XXXX of these people. I reached out to Wells Fargo, as the article advised and my information no longer exists in WellsFargo 's database. My loan and info was purged from their system. So, the article said to fill out this form next. 

I attempted to refinance and because of WellsFargo 's illegal practices, they stole my home and foreclosed. They had even advised me to stop paying the up to date and current mortgage. 

I want the damages that are owed to 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 2023-01-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. Experian, XXXX, and 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Back in 2011, we were struggling to make mortgage payments on our home in XXXX, ID due to the bad economy & my husband losing his job. We tried numerous times to get help to no avail. We had 2 separate offers for a short sale, & they refused. Instead, they foreclosed on us. It took almost decade for us to get back to where we could purchase another home because of this.

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 2023-01-22 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: MN

Complaint narrative:
I suspect that Wells Fargo has charged me overdraft fees when I had sufficient balance for the purchases causing it. I do not have any specific incidents to list. I only remember this having happened several times over the past XXXX years. I have been a wells Fargo customer since 1996, in good standing.

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 2023-01-22 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Our new cards were sent by Citibank ( XXXX XXXX ) mailed to my home address XXXX XXXX XXXX, XXXX, VA XXXX and forwarded to my old address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO, XXXX. Below are all the charges : XXXX XXXX XXXX XXXX XXXX Charges : XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX, KS for the amount of {$230.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$11.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$50.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX XXXX, MO for the amount of {$12.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX  XXXX, MO for the amount of {$12.00}

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 monetary relief
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
Experian removed XXXX XXXX XXXX from my report in XXXX for identity theft now its o back on my report as of today XX/XX/XXXX From the original creditor XXXX. They removed it and placed it back on my consumer 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 2023-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Submitted a billing error dispute with Capital One under title 15. USC. 16666 within 60 days of my last received statement. I notified Capital One that there was a billing error and Capital One proceeds to not only close the account, but charge the account off. Per 15 USC 1666 ( d ) this constitutes as a violation. There was a computation error as the disclosure documents specifically the document that details how the interest is calculated was not clearly and conspicuously disclose within the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
I would be overdrawn in one bank account transfer money from my other bank account to cover it and would still be charged a {$35.00} overdraft fee and when I would call the bank they would refuse to refund 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 monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my account without letting me know they also was letting people send money from my XXXX  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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX and don't have a contract with Gate stone & co. International inc . They did not provide me with the original application like I asked. Acct # 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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo opened a savings account Unauthorized in my name then closed my Checking and reported me to XXXX XXXX  now XXXX cant open a account at any other 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 non-monetary relief
Consumer complaint received 2023-01-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Back in XXXX XXXX of 2022 I opened a credit Builder loan through XXXX XXXX XXXX XXXX. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} credit Reserve my account States the {$400.00} was put back into my bank account and on the financial page it reads zero payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} Reserve paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my XXXX XXXX  account also known as my spending account {$50.00} on my credit account {$20.00} on my insta cash account and 10 on my investment and XXXX accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.

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 2023-01-22 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: NV

Complaint narrative:
I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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