vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
We were on automatic payments from Santander for our auto loan. Without our knowledge, the company stopped the automatic payment for the last payment that was due. They did not send us a notice for this, nor did they send us a bill and never sent us a collection notice. We only found out when we tried applying for a mortgage and this came up in our credit. We called the company and apparently they only tried calling us which did not seem legitimate as we receive hundreds of spam/scam calls. The company is being very difficult about removing this from my credit history even though it is completely not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I applied for the TXHAF program in XXXX of 2022 and the agency began correspondence with Midland Mortgage to ascertain information pertaining to my loan. They have requested the I-record every week since then and according to multiple agents from Midland Mortgage they haven't received anything asking for documentation. I have repeatedly called to get this resolved and have been met with rudeness and dismissive attitudes. Midland Mortgage is notorious for foreclosing on homes and I have assistance available but they aren't doing anything to assist me. I reached out today again to Midland Mortgage and asked to speak with XXXX XXXX and was again stonewalled and given a po box to correspond with the corporate office. Midland Mortgage reps stated they have sent a ticket to get information for the TXHAF program. They consistently lie or deny preventing assistance for mortgage relief. One rep stated they receive thousands of applications and I will just have to wait my turn. I spoke with 5 reps from the TXHAF program and they stated Midland Mortgage isn't responding to any other their requests and if they don't receive something soon they will deny my application and close it. This is so wrong. Agents for Midland Mortgage 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 explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Had XXXX XXXX XXXX in XXXX indiana to transfer {$52000.00} to Jp morgan Chase bank in New York for piece of equipment. Done transfer on XX/XX/2022 that morning. Canceled it out that afternoon same day. I've been taking with bank back and forth to see if they have heard anything, but they have not heard nothing. I know Chase bank had gotten cancelation because gentleman called me and said his account was frozen. Bank said it could take up to 90 days and may not ever get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
This is an ANNEXE to my already filed application for assistance. 
Thank you for your quick response to my request regarding my foreclosure of 2012. I am glad that the Company had received my application and find out that we haven't given the opportunity to receive due process. 
Documents that were missing in my previous application are today submitted in Annex in order to have completed.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hi, I was harmed by Wells Fargo illegal activity from XXXX to XXXX from the *continuous* incorrectly charged over draft fees and frozen from my bank account. The total amount was {$5000.00} was taken. Ultimately, I closed the account from the unlawful banking activity and the amount of mental and physical stress it added to my life.

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 2023-02-03 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My original home mortgage loan was with XXXX, and taxes and interest were always paid separately. My payments were never late while with Wachovia. After the loan sold to Wells Fargo, Wells Fargo started charging me for the taxes and insurance with my principal payments even though those were already paid separately. When I sent a principal payment, Wells Fargo kept charging me extra for the taxes and insurance ( even though they were paid ) and reporting the entire payment as late plus they continued to charge me interest and penalties on the entire amount including taxes and insurance that was already paid. This made it nearly impossible for me to catch up. These late payments are the only ones on my credit report. I do not have any of these problems with any other creditor, including a car loan I have had with Wells Fargo ( never late on those ). I even borrowed money from a friend to pay the home mortgage account in full.

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 2023-02-03 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: NY

Complaint narrative:
I just received my reinvestigation back from Equifax They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
I was initially contacted via telephone on XXXX XXXX XXXX  from a representative from Hunter Warfield stating that they were trying to collect on a debt that I owed from XXXX XXXX which I told them that I had not been contacted by XXXX nor had I received anything in writing from their office. After speaking to several agents via telephone and being told that my asking for clarification on this matter was my refusal to take care of their alleged debt. The only thing that I was told was that I owed {$1300.00} for painting, repairs and trash removal. 

In XX/XX/XXXX I received a letter from Hunter Warfield stating that I owed a balance of {$1300.00} to XXXX XXXX. I sent them a letter dated XXXX XXXX  stating that I disputed the validity of this debt and requested that XXXX and Hunter Warfield send me documentation of all claims for repairs, painting etc. as I occupied the premises in XXXX XXXX  when the area suffered severe tornado damage. 

Hunter Warfield responded and reduced the amount of the alleged debt to {$840.00} per a conversation that I had with XXXX. XXXX XXXX is still charging me for XXXX and XXXX rent and property Admin fees when I no longer occupied the residence. 

I ultimately submitted several more letters with the documentation to Hunter Warfield proving that XXXX XXXX submitted false statements about the damage to the home, utilities that they claimed were unpaid trash that had not been removed. I have not heard Hunter Warfield since my XX/XX/XXXX letter until XX/XX/XXXX via telephone. At this time I learned that they had submitted a collection report on my credit which shows me they have no intention on correcting this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax reporting errors credit inquirys date XX/XX/2023 companys XXXX Bank / XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MD

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MD

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We had a mortgage with Wells Fargo when the real estate market crashed in XXXX. Since my husband is a builder and I was a real estate agent we were hit very hard with this crisis financially. We were advised to go through the " XXXX XXXX XXXX XXXX '' in XXXX, MA to tried to get a " Remodification Loan ''. Wells Fargo kept coming back asking for additional paperwork over and over again, which i believe was a stall tactic as Wells Fargo had been instructed to cooperate with those struggling financially. Despite providing them with every document they requested they declined to do the loan modification. I honestly don't think they ever had any intention of going along with this and was simply stalling then denying us eligibility since the government was now watching them. After wiping out all our savings, cashing out both of our Roth accounts and selling anything we could including jewelry, we became desperate and put our house on the market. But during this crash we put our house on the market and eventually had to take a substantial hit on the value and lost a lot of equity. No the house wasn't taken in foreclosure but we were forced to sell due to the denial of Wells Fargo to amend the loan. We had NEVER missed a payment with them and they would have no reason not to allow the modification other than the fact that as usual for this company ONLY puts their best interest into consideration. Even XXXX, who ran the XXXXXXXX XXXX XXXXXXXX XXXX, admitted not a single account he worked on actually got a modification loan. Now I see Wells Fargo is being forced to pay for their illegal deeds and hopefully we should be included in this settlement.

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 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.

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 2023-02-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: NY

Complaint narrative:
I applied for a secure credit card with a {$200.00} balance. My account was closed with a full balance and there was never a refund issued. I called and spoke with a customer service representative and was told a refund should have been issued because 10 weeks have passed since the account was closed. I was then told to send a fax with my name and account number for a refund. I sent the fax and also mailed a letter with my information to obtain a refund. It has been more than 4 weeks since and I have not received the {$200.00} refund. I called customer service, and the representative could not provide any updates or information regarding the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
THIS IS A FOLLOW UP COMPLAINT REGARDING XXXX XXXX XXXX AROUNG XX/XX/XXXX I REQUESTED THE INFOMRATION BELOW : I PREVIOUSLY CONTACTED XXXX XXXX CREDIT CARD FOR THE PURPOSE OF OBTAINING ALL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY XXXX XXXX  WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. XXXX ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST LAZEGA AND JOHANSON LAWFIRM. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Per their website calculator I applied for a personal loan on XX/XX/2023. See screenshot with my circumstances, I entered the amount I need, the length of time I needed and my XXXX XXXX. they offered 10.99 % APR, so i went ahead and provided all my personal information and was told that my XXXX XXXX XXXX. I have an XXXX XXXX XXXX and very decent income, pay my CC on time and in full. I believe they either false advertise or discriminate. 
Then when I told them I was not interested and that please remove all my personal information from their website, they staff said she was not able and that I might be receiving advertising from other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
late payment showing on my report but not showing on capital ones side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
We are senior citizens and have received between XXXX robo-calls during the last month, all using the same voice ( a male with an XXXX XXXXXXXX accent, name and subject matter usually unintelligible, sometimes claiming to represent American Express, with whom we have never done business, insisting that it is important and demanding that we call back, usually from ( XXXX ) XXXX. Some of the phone numbers showed by caller ID include : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Calls come at all times of the day or night. Especially intensive bouts of calls frequently occur after we have used the Internet and have accidentally ended up on XXXX sites. We have never done business with American Express, and we never intend to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I disputed two small charges in XX/XX/XXXX. Chase cardmember services, resolved the disputes and sent me a letter stating they have resolve the dispute and credited my account. They did not credit my account. I kept calling them and they said it would show up later. It never did, I called them today XX/XX/XXXX and they said its too late to dispute now they already sent me two letters saying that they have credited my account when they in fact did not they are giving me a courtesy {$15.00} for being on the phone for two hours with them. That is not acceptable they told me the merchant credited me at other times for different amounts. Those were for different returns and not related to these. They sent me clear letters, saying they credited my account when they in fact, did not say then lied to me, and said it would show up when it never did.

Company response to consumer: Closed with monetary relief