vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
Closed my account; charging fees

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: AL

Complaint narrative:
I was over charged for over draft fees on my bank 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 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Not receiving Capital one venture x card XXXX travel credit. Tried contact the company XXXX times. They Said it will take up to XXXX billing cycles but it has been XXXX billing cycles. 

On XXXX, I made a travel purchase qualified for XXXX dollar cash back at capital ones travel portal. Iast time I called them I XXXX  They said they file the complaint and credit should show up within 10 days but not. Therefore seeking outside help! Thanks

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was getting off hang up Miss directed or solitary unknown transactions fine basically I want to go through or have you guys go through to see if he's okay

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX delete the following inaccurate employers : XXXX  Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Georgia Mortgage assistant that I will need to have SLS sign a Workout Agreement to be considered for Partial Reinstatement. I emailed the letter to SLS on Tuesday, XX/XX/XXXX to XXXX. I spoke with XXXX XXXX number XXXX, he stated they received the letter and transferred me to the loss mitigation team. I spoke with XXXX and I told him I would complete a request for Mortgage Assistance. The Mortgage Assistant application, workout agreement and other supporting documentation was sent on received on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, HUD counselor XXXX XXXX and I spoke with XXXX, SLS representative concerning documentation received from Georgia Mortgage Assistance for Partial HAF Agreement to loss mitigation department. I informed him that I completed an application for Request for Mortgage Assistance on XX/XX/XXXX and I must have the Loss Mitigation Manager complete the Partial HAF Mortgage Agreement to be considered for HAF Assistance. The letter states they will pay {$50000.00} ; however, SLS will have to sign the agreement for the remaining balance of {$16000.00}. He stated he could not transfer me to the manager because they were busy with other applicants. He also stated I was denied the loan modification because of the amount of {$65000.00}. I informed him that if SLS signs the workout agreement that will help me stay in my home because I received a letter from SLS and attorney that the have stated the foreclosure process. He attempted to transfer us to the department and also gave us telephone number XXXX to call if we get disconnected. I left message and have not received a call back. I have been attempted to get a modification from this organization since XX/XX/XXXX. It seems as if they do not want to assist me in the reinstatement of my home. I lost my job with XXXX on XX/XX/XXXX. As I stated to SLS, I would like to stay in my home. The main reason that caused me to be late on my home is loss of job and income. XX/XX/XXXX, I found new employment. In XXXX, XXXX XXXX XXXX, certified HUD counselor, called on my behalf to speak with SLS and he was informed that I was denied modification because I defaulted on a modification. This is untrue. On XX/XX/XXXX, I spoke with XXXX, and she stated they were unable to provide modification because they could not apply the amount owed onto the back of the loan and it was nowhere SLS can put the monies owed. Also, XXXX stated I had a loan modification in XXXX and XXXX. I have made payments to SLS until XX/XX/XXXX ; however, they state I owe for XXXX. I feel my account has been mishandled by SLS. Georgia Mortgage Assistance is willing to assist with getting me back on track with my mortgage ; however, SLS is stalling. Please assist me with this matter. I do not want to loose my home.

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: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am requesting inclusion in the Wells Fargo settlement as a result of the CFPB complaint. I was a mortgage customer who was unfairly turned down when I requested a modification to the loan to avoid foreclosure. 

The loan was initiated on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Approximately one year later Wells Fargo took over the ownership and management of the loan. The property address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. 

Due to a reduction in household income as a result of my retirement and a divorce, I found it necessary to request a modification of the loan in XXXX. Although repeatedly assured that I qualified for one of their modification programs, I was repeatedly denied a modification, from XXXX through XXXX. During that span I was frequently encouraged by the bank to reapply for a modification and then denied. The property went into foreclosure and was sold. 

Had I been told, when I first requested a modification in XXXX, that I did not qualify for any modification program, I could have taken alternative actions to avoid foreclosure and bankruptcy. 

Wells Fargo claimed that the type of mortgage I had could not be modified, and used that as the reason for denying the modification. Despite that denial I was encouraged to reapply for a modification. During my bankruptcy hearing it was proven that the mortgage I had could be modified if Wells Fargo chose to do so. Wells Fargo did not deny this judicial conclusion. 

I have previously filed a complaint with CFPB for this same issue.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX # 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 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: AL

Complaint narrative:
We received an {$800.00} check for wrongful foreclosure during the government order but never received the compensation that was court order in the lawsuit. Wells Fargo denied loan modification and independent adjusted said we did under class action lawsuit we still have the paperwork we got with check. Wells Fargo decided not to honor settlement saying they thought they were right

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: AL

Complaint narrative:
Keep getting over draft fees

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: TX

Complaint narrative:
They would post my deposits after any checks on the same days and then charge me numerous over draft fees. I finally ended up closing my account and they still charged overdraft fees on 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/23, I opened a Rewards Checking account with Upgrade Bank, under the guise that I would be able to utilize all the promised features of this new exciting account including mobile check deposit, cash deposits, and debit card deposits to my new account. 

Upon opening, I was distressed to find that I was unable to use any of these aforementioned and promised features even after receiving an email stating these features were available to me. Appalled, I phoned in to Upgrade three times and was advised by a supervisor that he has no idea why these features were unavailable and could tell me no more. 

At this time I remain appalled and shocked at this companys horrific false advertising as well as abhorrent customer care with managers who refuse to speak to their customers and are clueless as to the inner workings of this bank. As such, I demand immediate access to the mobile check deposit feature as guaranteed to me on a recorded call with an agent on XX/XX/23, as well as urgent contact from Upgrade Executive management.

This matter is extremely time urgent, and this bank must be held accountable for the false pretenses under which they draw customers in and immediate resolution is merited. 

Thank you kindly.

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 Credit Card # XXXX ). 
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 Credit File # 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: 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 Credit Card # XXXX ). 
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 XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Being charged a monthly fee

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 — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The information is incorrect. The original creditor received payment and requested termination of the lease. This account continues to show up on my credit as an active collection and needs to be removed. I have filed 4 different disputes none in which a signed agreement was provided. I need this removed from my credit immediately to secure safe housing. The apartment complex failed to repair and requested my move out prior to accepting funding from the XXXX rent relief. Funds have been sent in full prior to the open date of collection.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My Wells Fargo account was closed due to identity theft and instead of the fraud department assisting me I was charged over and over for things I never did many times

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged for a purchase I never received. Bank card was closed for undisclosed reason

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