vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is additional information for complaint # XXXX. 

Today, I spoke with WF Home preservation. They said that HUD was demanding payment of my COVID EM partial claim now, and to read the details of my paperwork. Further, they could not give me any HUD information and had to contact HUD. However, their system lists that they completed the partial claim process on XX/XX/XXXX. 

After I spoke with HUD. HUD reports that WF did not process the paperwork for the COVID EM partial claim and had 90 days to complete from the date of closing XX/XX/XXXX. HUD did authorize the funds for the partial claim. Further that HUD is not demanding payment of the partial claim now as WF ( home preservation ) told me today. HUD said it was up to my new lender if they wanted to do conventional or FHA and subordinate the HUD claim. 

It is just as I thought. They have not completed the process and trying to get me to pay it because I am refinancing.

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 2021-04-13 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have contacted XXXX numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both XXXX and the collection agency and they have failed to provide adequate documentation. I have attached a copy of XXXX XXXX decision to this complaint. Please remove this account it does not belong 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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was charged overdraft fee twice for {$36.00} each on XX/XX/XXXX and XX/XX/XXXX for insufficent fund. I was never opted in overdraft when I signed up for the checking account. Once I found out that I had a negative balance on XX/XX/XXXX and I immediately pushed money into my U.S. bank checking account and the balance became positive on XX/XX/XXXX pending final clearance on XXXX. Then I called and spoke with the U.S. Bank representatives for requesting to waive the fees because not only I did not opt in overdraft but also it was my first time for being charge overdraft fee. Both representatives said they cant refund the fees because my refund limit is {$6.00}?! I questioned why there was a refund limit in my account and they said it was based on my activities which dont make any sense to me. I had a recent direct deposit of {$3000.00} from my work. Also, for example, if I used my debit card to buy something over {$6.00} and decided to return it, I would have only got a maximum of {$6.00} back?! Both representatives refused to increase the limit and said the fees can not be refunded. That is very disappointing. I would like U.S. to refund the fee 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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have had several issues with Td Bank. One problem is because I had my account overdrawn right around the time we were all supposed to get the {$1400.00} stimulus they decided to credit my account when I didnt authorize them to credit anything on my account and now it has screwed my account up because now they said theyre going to pull this money back out of my account within 30 days they didnt talk to me first about it at all. Another issue is I had specifically told a motel hotel that they are not authorized to use my card any longer I even told Td Bank this prior to them using the card because I wasnt staying there any longer they credited me the money then they turn around and found that there was no fraud when there was because its basically like stealing my money when I told the motel manager that I didnt have the funds there so please dont run the card well because I had overdraft the bank allowed it to go through twice then I called the bank and they were supposed to cancel my card but the young lady did and they allowed a third charge to go through they refuse to reverse that either. Now because of all these issues they have screwed my account up so bad that my account is over {$500.00} overdrawn and I dont know what to do at this point. I also think I was just probably been able to get something out of that recent settlement About the overdraft accounts because I had that too. TD Bank has fraudulently I feel done things with my account that they should not have done that has caused me problems because I dont look at my account on a daily basis and for them to credit my account then pull money back out it makes it where I have no way to keep track of stuff and I feel have violated quite a few laws with everything theyve done on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
It has been over 30days and not a response TICKET # XXXX associated with XXXX for BinanceUS XX/XX/2021 phone broke and could no longer access two-step verification to access the account. 
XX/XX/2021 created a ticket to request removal of two-step verification XX/XX/2021 received an automated response stating : " Thank you for contacting us! We've received your request # XXXX. 
Don't worry ; we can assist you manually. 
To help you with your request, please provide the following requirements to continue : Step 1 ) : Attach the same photo of your identification that was used to register your account. 
Step 2 ) : Attach a selfie photo of yourself, holding the same proof of identification. 
Step 3 ) : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link ; we don't accept documentation within Google-Drives After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 
We appreciate your cooperation and look forward to your reply. 
XX/XX/2021 I reply with the three things being asked for and wait for response XX/XX/2021 I create a second ticket same automated response email. NEW TICKET # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off a cc for the full amount and requested it to be removed and it has not been and it is reporting inaccurate. I have a right to privacy and I did not give permission to any organization to put information falsely on my credit report on my behalf place and capitol one is violating my consumer rights. 
XX/XX/XXXX {$200.00} Closed XXXX Just reported negative payment history XX/XX/XXXX Reported 90 days late XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
DMI claims that we did not make one of our mortgage payments ( for XX/XX/2020 ). We have made every payment on time ( we do it through automatic payment through our local bank ) and have done so for the past 8 years on this mortgage. I provided proof of payment as well as tracking numbers for the payment as soon as I was notified by DMI. However the problem is still not resolved. I have been trying to work with DMI customer service for months ( calling in near weekly ) to resolve the confusion. Always the answer I receive ( week after week ) is that the research department is working on it, but nothing ever gets fixed. Our credit scores have fallen due to DMI misreporting that we've missed a payment. This has large financial consequences anytime I want to apply for other financial services and credit is pulled. I have asked that this be fixed. I also do not have a correct 1098 form to do my 2020 taxes. I have spent so much time on the phone with DMI trying to help, and again nothing. The problem persists. I have given up working with DMI as no matter who I talk to ( customer service reps and 'managers ' ) nothing is fixed or progressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: IN

Complaint narrative:
I did not receive any notification from this company about any debt of any kind. I only saw this when they put a collection on my credit report. I have no knowledge of this debt and they have never sent me any information of any kind

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 2021-04-13 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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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:
I purchased a vehicle from XXXX XXXX of XXXX located at XXXX XXXX XXXX, XXXX, MD, XXXX on XX/XX/XXXX. The purchase was in cash. However the dealer performed a hard credit inquiry without my permission and without legitimate business purpose. The dealer said they would submit a letter to XXXX to get the hard inquiry removed however to date it has not happened. I contacted XXXX as well as Experian and they have been unhelpful thus far.

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 2021-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both Equifax and the collection agency and they have failed to provide adequate documentation. I have attached a copy of Equifax 's decision to this complaint. Please remove this account it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1 ) On XX/XX/2019 I bought a car from : Carite of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX ) XXXX secured my loan for a total of {$21000.00} ( including GAP coverage and warranty ) from : Capitol One Auto Finance XXXX XXXX XXXX Pk. 
XXXX, TX XXXX XXXX ) At the time of purchase of the vehicle, I was offered an extended warranty ( service contract for {$1600.00} ) and GAP insurance ( {$890.00} ). I signed up for both. The GAP coverage was provided by : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Claim # : XXXX fax : ( XXXX ) XXXX XXXX XXXX ) On XX/XX/2019 I was involved in an MVA. My car was totaled. My insurance company, XXXX - as I was conducting my part time business as an XXXX driver en-route, paid for {$19000.00} minus {$1000.00} deductible or {$18000.00}. The remaining balance was provided for with the refund of my warranty and the GAP insurance I paid for. AHiS insurance was made aware of my use of the car with XXXX upon filing my claim. 

5 ) I was in contact with Capitol One, XXXX, and AHiS throughout the claims process. Eventually I became aware through contact with XXXX that everything of my entire loan balance was paid for. However, when I contacted Capitol One they told me they had not received payment in full from the GAP insurance and possibly the refund of the warranty. I called XXXX again, and I was told that checks in the amount to cover all expenses were paid to Carite, for what reason I do not understand. XXXX gave me the runaround for months until I stopped calling. I stopped making car payments when I was told the covered everything. 

My credit report indicated that I owed Capitol One. I filed a fraud complaint with the credit reporting agency, and the charge with Capitol One was removed from my credit report. This was more than a year ago. I thought everything was finished. 

I recently got emails from Capitol One, and a private investigator from a recovery company left a calling card on my vehicle 2 days ago. This has gone on for too long, and now Capitol One is going too far. They know what happened with their loan manager, or broker, and the dealer. One of them, or both of them, or all three of them if you count AHiS, is committing fraud by knowingly being involved in the issuing of and, or, cashing of an insurance check that does not belong to them. There may be fraud involved just by being aware of the situation and being in a position of authority to resolve the problem but choosing not to. I tried the best I could to resolve the issues. My best bet is the manager of XXXX kept the money, and Capitol One is aware and possibly an enabler. AHiS never gave me a reason why the check was mailed to XXXX, but according to the person I spoke to - it was, and there was enough insurance to pay for more GAP coverage if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: LA

Complaint narrative:
I was so stressed when I saw those inaccurate and unknown accounts on my credit report. DELETE the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: LA

Complaint narrative:
I was so stressed when I saw those inaccurate and unknown accounts on my credit report. DELETE the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
A notice was placed on my consumer report that I owe Professional Collections Services {$3500.00}. I have never done business with this company before and I never authorized nor consent for anything to be furnished on my consumer report. 

From the research that I have done, Professional Collection Services is a third-party Collection Agency.

According to 15 U.S.C 1692 FDCPA, Noone is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy.

Nothing should be on the consumer report that will ruin my reputation, deny me credit, or a way of living.

According to 15 U.S. C 1681a ( d ) Consumer Report.

( 1 ) In General- The term " consumer report '' means any written, oral, or other communication of any information by a consumer 's creditworthiness, credit standing, credit capacity, general reputation, personal characteristics, or mode of living is used or expected to be used in whole or in part for purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) Exclusions. -- the term " consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

This collection, Professional Collections Services placed on my consumer report is a violation and is an exclusion that does not belong on my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
midland credit management owns XXXX XXXX  debt {$860.00}. 
also they own XXXX XXXX debt {$360.00} also i cant afford to pay these debt at all i dont want to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: TX

Complaint narrative:
Was contacted about a medical debt owed by a third party collection company contacted via telephone to send a list of debts owed and amount was sent an amount owed with original creditors name and account number and collection agency name and new account number with an amount but no breakdown of what services i received and their costs I have a right to privacy did not authorize any organization to report any information falsely on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX  reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I sent correspondence to Portfolio Recovery Associates, LLC. I asked them to provide a VALIDATION BY NOTARIZED STATEMENT by a person with original knowledge of the alleged debt and if they could not provide that within 30 days then they were to delete the item from the 3 major credit bureaus. They are not to send statements or verify they have my address. I have no contractual obligation that ties me to Portfolio Recovery Associates, LLC and if they can not provide a Validation by Notarized Statement then they must delete the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA is trying to collect on a debt, that was initially settled prior. In agreement with original company XXXX XXXX XXXX. This is a XXXX XXXX. In which, account was suppose to be an {$500.00} pay-off at the Primary account holders time of released ( 2018 ). 

It was agreed to pay two payments of {$250.00}, that was paid prior to collections. In addition, I was not suppose to be the co-signer of this bond. My bank information was only suppose to be used to pay this debt/bond in full at the time of service. Furthermore, this bond is on a case that was never committed or fault, or guilt. 

XXXX XXXX XXXX and AWA Collections. Refused to acknowledge such agreement. I feel my rights and personal information was used to furnish this debt/bail and that original company completely mishandled, mislead, and fraudulently obtained my information. If In fact, I legally owe this. I am requesting the right to properly dispute. As again, I was unaware of such matter.

Company response to consumer: Closed with explanation