vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: NJ

Complaint narrative:
Friday XX/XX/XXXX I was offered to do a job for someone that would start Monday XXXX XXXX. I was paid XXXX to do the job, and would be paid by check that I would deposit through my mobile banking app. When I received the check it was for XXXX and was asked to send XXXX to an orphanage through XXXX XXXX. I thought it was fine as everything looked legitimate to my knowledge and Im all for supporting orphanages. I deposited the check and kept XXXX for my pay and sent the remaining XXXX through XXXX XXXX. The next day I was sent another heck for XXXX which I deposited XXXX for my pay and sent XXXX to the orphanage again. However the next day I noticed my bank Wells Fargo had put a hold on the check and that my account was overdrawn. This has never happened to me before so I immediately called my bank to inquire about the check and as told why it was being held. The phone teller let me know that it was being held due to verification reasons. At that point I began questioning if I had been scammed. I contacted the person who sent me the check and they asked for my social security info and Id numbers, which after I know I had been scammed, and that they was not likely any orphanage. I called Wells Fargo on XX/XX/XXXX and XXXX of 2021 and reported the incident aswell as to file a claim for the reimbursement of the XXXX I had sent through XXXX XXXX. Several days have passed and on XXXX XXXX I called to check on my claim and when I got off the phone they said they would call me with any further questions. Then later that day I received an email saying that my claim was completed however I received no reimbursement as of late. I am a young adult who never experienced something like this, I have been a loyal Wells Fargo customer since I was a teen, and the way this was handled did not reflect that.

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 2021-08-09 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: NY

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint about harassing phone calls, bullying, calls at night and the attitude of the representatives who have contacted me when I've been close to the end of my forbearance period. I AM NOT IN DEFAULT AND HAVE NEVER EVEN ONCE DEFAULTED ON A LOAN PAYMENT. I filed a complaint about the harassing phone calls and apparently YOU, CFB, closed the complaint upon receiving WFargo 's response stating it had no record of my mortgage. Here is what ACTUALLY happened : 1. Wells Fargo send a letter to me stating it knew of the complaint. It sent to my mailing address and instead of taking the time to actually see that my mailing address is AND HAS ALWAYS BEEN different than my resident and property address, it simply pretended that it did not know this therefore affording them the excuse of 'gosh golly gee ... we have no record of a mortgage holder at <insert mailing address> ... '' 2. Wells Fargo provided a FAX # to which I was invited to send a response clarifying the property address. HOW CONVENIENT that said fax # failed to answer all weekend AND DURING STATED BUSINESS HOURS. The phone number of the individual listed in the letter ( along with the claimed hours of business ) also went unanswered. 

Reminder : Wells Fargo has a HISTORY of abusive and harassing behavior towards customers. Those of us who lived through several housing crises and have been on the planet for longer than 25 years remember it well. This is a tactic used to offset and justify its unacceptable behavior. 

FACT REMAINS that I have not defaulted EVER on my mortgage loan and am in forbearance and have adhered to every single term of the contract therefore the badgering, bullying, harassing phone calls and attitude of WF callers is completely unreasonable ... and frankly, would be unreasonable and uncalled for even were I in default. 

Lastly, NOBODY gets to dictate and name my 'feelings ' so please do not start with me on how my 'feelings ' are incorrect. Calling me on a Friday night to badger me about a payment not yet due or calling me on the weekend for such ( especially Saturday mornings during the hour when people of my faith are in prayer ) is absolutely unacceptable and are examples of harassment. 

Failing to provide an actual way to respond to the letters stating 'we have no evidence of such a mortgage holder ' is NOT A REASON TO CLOSE THIS CASE. This is deflection and frankly, straight up lying. 

I did my part in attempting to respond to their letters. They cleverly made response impossible by simply refusing to accept faxes via the fax # they provide for doing so and they very cleverly fail to pick up the phone during the hours and days they state they are available. 

There's a reason people hate Wells Fargo and it's not just past history ; it's current history too now.

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 2021-08-09 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:
Someone has been attempting to open accounts in my name without my authorization or knowledge. All the information on this ID theft report is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
According to 15 usc 1692a ( 3 ) ( 4 ), MEDICAL REVENUE SERVICES is aware that they are in violation of the FDCPA. MEDICAL REVENUE SERVICES has violated the consumer rights by sending the consumer deceptive forms to make it seem as if the consumer owes any allege debts with this company. MEDICAL REVENUE SERVICES is in violation of 15 USC 1692b ( 3 ) ( 4 ) by stating that they received my address from the original creditor when I, the consumer and original creditor did not give MEDICAL REVENUE SERVICES any data for them to contact me for an allege debt. MEDICAL REVENUE SERVICES failed to show where the consumer gave CONSENT for the company to contact the consumer. MEDICAL REVENUE SERVICES violated 15 USC 1692B ( 5 ) by using the phrase This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector MEDICAL REVENUE SERVICES assumed that I owe a debt when the FEDERAL LAW clearly states that a creditor, which is me, can not own an allege debt without any preponderance evidence. MEDICAL REVENUE SERVICES violated 15 usc 1692e ( 2 ) by reporting a false and misleading amount, according to the violation, there is no amount owed that can be in a positive amount. MEDICAL REVENUE SERVICES has seven ( 7 ) days to delete the false and misleading data or I, the consumer will be forced to place MEDICAL REVENUE SERVICES in FEDERAL COURT to demand monetary relief for all the violations and false credit reporting that is shown as PROOF on all three credit reporting agencies.

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 2021-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I applied for the Citi savings account online through my Citi credit card homepage around XX/XX/2021. I then electronically transferred {$50000.00} from my XXXX XXXX  account to the new Citi savings account. My account was then frozen. After calling them multiple times they said it was because I need to provide a physical address. I sent them the documentation they requested over multiple dates ( recent pay stub, rental agreement of my storage unit, etc ). The documents are always denied and when I call back ( they never call me ) they insist on a utility bill. I don't have that, I live on an oil rig. So at this point we have two options : unlock my account, or give my money back. But they won't give my money back unless I provide a utility bill, which I don't have. I don't think Citi can legally withhold my money that is rightfully mine. It's a lot of money and they've held onto it since XXXX. I've called them dozens of times and it's always 20-30 minutes and it goes nowhere. They just ready the same stuff from a script. All they have to do is transfer the money back to my XXXX account, or worst case scenario send me a paper check. I've already provided Citi with the reference # and trace # ( obtained from XXXX  ) of the original $ XXXX transaction. Next recourse will have to be legal action I guess.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Armada Corp.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I was on a Covid FB plan for a few months and in XXXX I accepted a Covid Deferral but I feel the deferral was not processed correctly as they did not defer the escrow payments ( which I read should be deferred on a XXXX  Loan ) I tried to contact them on the issue and have spent 15-20 minutes last week and 15-20 this week just trying to get to someone who can help me. I was told by customer service I need to speak to Loss Mit and then by Loss Mit that I need to speak to customer service all while not allowing me to speak to a sup about the issue with what they claim is an over {$4000.00} escrow shortage. I have been hung up and today while explaining my issue was transferred back into the call queue. I have asked for a Sup or anyone to assist with my issue and have gotten zero help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/2021 my card was hacked. My lender is netspend/XXXX. I attempted to make numerous dispute regarding my money being taken out of my checking account. They canceled my first card on XXXX the XXXX and sent a new one. That same day, we filled the first dispute. They took over XXXX of my money on international purchases not authorized by me. I made 3 disputes regarding the online purchases and they wouldn't give me my money back. The told me I would receive one payment on XX/XX/XXXX. The next payment was XX/XX/XXXX. My last payment with all my money was suppose to come today XX/XX/XXXX. I called to check if I received anything and I did not. I asked them about it and it was never filled. Now I'm filling this complaint in order to get the help I need. If you can follow up with me please contact me at XXXX or email me at 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 2021-08-09 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
As stated and confirmed in the attached emails from GM Financial, five of my scheduled monthly lease payments were deferred and approved as follow : - XX/XX/2020 & XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 It is to my total surprise that I found out that only 3 of those payments were in fact deferred, even though we have written notices confirming deferments. 2 of those approved deferment ended being reported as late payments. I of course made the payments the second I realized my account was reported as late. GM Financial recognized their mistake but refuses to correct the error with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good afternoon, I have summitted three complaints and disputes to Experian informing them of incorrect inaccurate credit reporting to them on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have forwarded them previous XXXX XXXX credit report highlighting the discrepancy of Date of Last Activity, ( DOLA ) with XXXX  is XX/XX/XXXX and Experian reported XX/XX/XXXX. XXXX  reported correct reporting in terms of Date of Last Payment on XX/XX/XXXX ( DOLP ), Date of Last Reporting and Date of Last Activity, ( DOLA ) as XX/XX/XXXX. However, Experian reported no last payment on record and their last Date of Activity was XX/XX/XXXX. I thought that the creditor reports the same information to Experian and XXXX. I even contacted XXXX / XXXX XXXX XXXX and obtained copies for the disparities of reporting between XXXX  and Experian. Experian did not carry out a proper investigation and provided copies for the same individual who carried out credit dispute. I am requesting this negative and inaccurate account to be removed from my Experian 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 2021-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
On or about XX/XX/2021 I received a notification that a bill from Wakefield & Associates had appeared on my credit report. I wrote the company and asked the for the required proof of the debt and also notified them that I had never received notice of the alleged debt. Because of that they should remove it from my credit report. When they hadn't responded as of XX/XX/2021, I wrote them again and requested the proof. On Friday, XX/XX/XXXX, I received a statement compiled by Wakefield & Associates showing an alleged debt from XXXX XXXX XXXX XXXX  XXXX. Still I have not received any proof and they have not addressed my complaint that I did not receive notice of the debt so that I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
Someone has my information and attempting to open accounts in my name. This is fradugelent activity & I attached identity theft 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 2021-08-09 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDFIRST BANK
State: SC

Complaint narrative:
My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by Midland Mortgage, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..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 2021-08-09 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: CA

Complaint narrative:
I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX  that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.

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 2021-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation