vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/20 while checking my bank account, I noticed a charge that I did not authorize. There had been the same charges attempted twice in XXXX, but Wells Fargo blocked the attempted charges and alerted me and there was no adverse action against my account. However, on this occasion Wells Fargo honored the charge which left my account with a negative balance for the amount that was honored by Wells Fargo. I filed a dispute with Wells Fargo for the transaction in question. But there were other charges for bills that I authorized that were processed before the fraudulent transaction. I have a linked savings and checking account with Wells Fargo. Although I was reluctant to deposit any funds into my checking account, due to the outstanding fraudulent charge, I deposited an amount that would cover the 2 charges that I did authorize to cover those transactions. Additionally, I deposited a large amount into my savings account expecting that Wells Fargo would reverse the fraudulent charge by the end of the business day. Wells Fargo 's policy regarding linked accounts is that they will cover charges from checking account overages with funds in a linked existing savings account. However, there was no need to enact this policy for my account because around XXXX XXXX on the same date ( XX/XX/20 ) I transferred a large amount from my savings account into my checking account even though the fraudulent charge still appeared, and the issue was not resolved. I did this because I was expecting other bills that I had paid to be presented for processing. On XX/XX/20, my account was charged 2 separate fees of {$35.00} each, totaling {$70.00}. Wells Fargo 's explanation for the assessment of these fees was for insufficient funds in my account when the 2 charges I authorized to be paid were not paid due to the fraudulent charge being honored before those. I feel this is an unfair and predatory banking practice in order to generate revenue for Wells Fargo. Wells Fargo selectively paid and processed this charge to assess 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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. 

I received a letter from TraunsUnion dated XX/XX/XXXX, requesting documents about my identity. It states that I need to provide two documents in the list below, including a driver 's license or state ID and utility bill. 

The letter also states that electronic documents printed from a website are not acceptable. That can be a problem because every company INCLUDING TransUnion tries to get their customers to use electronic documents when possible. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

At the end of XX/XX/XXXX I received a credit report denial letter dated XX/XX/XXXX. The letter stated that one or more of the documents were not qualifying. It also stated that only one form of proof was provided. The letter requesting documents did not state that there needed to be two forms of proof of address. The letter provides a list and requests two documents from that list. I provided two documents from that list plus extras.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I received a letter from Select Portfolio Servicing saying effective XX/XX/2019 they would be taking over servicing my mortgage. I was in the process of re-financing, which closed on XX/XX/XXXX. The closing payment was sent to my previous mortgage servicer on XX/XX/XXXX, and they had to wire the amount over to SPS. SPS didn't acknowledge the payoff amount until XX/XX/XXXX, and charged me for the 9 extra days of interest. 

This seems like a clear violation of RESPA, and in the transfer letter sent to me by SPS says : " During the 60-day period following the effective date of the transfer of the mortgage account servicing, an account payment received by your old servicer before its due date may not be treated by the new mortgage account servicer as late, and a late fee may not be imposed on you. '' Although this is not explicitly a " late fee '', they are charging me for extra interest because of the situation of my account being transferred which RESPA is supposed to protect me from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: NV

Complaint narrative:
I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to equifax data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

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 2020-02-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

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 2020-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX XXXX in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, XXXX XXXX reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called XXXX XXXX a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.

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 2020-02-25 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is reporting that I was 90 days past due in XX/XX/2019. I called Navient several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check issued to me by the XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of XXXX into my Wells Fargo Everyday Checking Account. I followed up a week later because the funds were not in my account yet. I had a problem with them in regards to the check I deposited last month from the same entity for XXXX. I was assured after that problem was settled in XXXX that I could deposit checks with no further issues. That was not the case! They declared the check I deposited on XX/XX/XXXX counterfeit without verifying the account or availability of funds! They didn't even submit it for payment!!! Some XXXX in their risk management department marked it counterfeit so they kept my check, and refused to give me the money. After multiple calls to and from them, they keep telling me the check is counterfeit and I keep telling them they are wrong and they need to either submit the check for payment or give me the check back. They refuse to do either. The first few calls I was civil but stern because of the ridiculousness of the situation. After that, I was fed up & dismissive. To this day, this is the 6th person I've talked to, I told them they need to submit the check and gim me my money or give me the check & how this is ridiculous because I deposited an identical check with a different amount last month and that one was verified, submitted & paid after a 3 week, unnecessary hold & a lot of XXXX & phone calls. I have contacted the XXXX XXXX XXXX to cancel & reissue a new check. They are in the process of doing it & it will take almost a month! This check is to reimburse travel that was charged on my credit card which has a very high interest rate, I am now going to have to pay additional interest because of Wells Fargo 's stupidity. JUST TO BE CLEAR, WELLS FARGO NEVER EVEN CONTACTED THE XXXX XXXX XXXX TO VERIFY THE VALIDITY OF THE CHECK. THEY ARE DECLARING IT COUNTERFEIT OF THEIR OWN OPINION WITH NOTHING TO PROVE THEIR CLAIMS!!! They should not have the power to declare checks counterfeit and confiscate them without having to provide concrete proof. At very least they should be forced to refuse the check by mailing it back to the consumer and advising them why. I was sent a letter and a photocopy of the check. The photocopy didn't have any marks or examples of what made them declare it counterfeit. Just a simple photocopy. The letter did not state what reasons they are using to classify it as counterfeit either. The customer service reps don't know either. They simply say it's counterfeit whether I like it or not and I need to contact the maker of the check. It's downright ridiculous that they are allowed to treat people like this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
They contacted a third party that is not on this loan. This is the third complaint I have filed. Their last response was that they will no longer contact any of my " references '' but they contacted one by phone today, XX/XX/20. I am currently only 10 days past due. They call and leave me messages daily beginning on the day my loan payment is due. Previous complaint number is XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: LoanCare, LLC
State: NJ

Complaint narrative:
Hello Loan care and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my 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 2020-02-25 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:
XXXX is reporting that I was 90 days past due in XX/XX/2019. I called XXXX  several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.

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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Lvnv Funding LLC tried to collect on a debt that wasn't mine. I had to take them to civialm court. The debt was dismissed in court as not mine. They are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Our home was destroyed due to Hurricane Harvey. we moved into these apartments as an emergency shelter. I have XXXX, and my husband has XXXX. we were unable to go up and down the stairs due to our XXXX XXXX. we were told we can give a 30-day notice and lease because it was during a natural disaster. however, they sent our bill to collections for {$3500.00}. 

we can not pay this. we are on a fixed income and this occurred during a state of emergency.

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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and fraudulent accounts were opened in my name with One Main Financial. I spoke to the branch XXXX and she said they could handle it in the office. I didn't speak to her my husband did. My husband explained to her that I work in the XXXX, and I am not able to receive phone calls. I am not allowed to bring my phone into the XXXX. They have recently started calling me at my place of employment, even though I told them I cant receive phone calls at my job. I have provided them with my Police Report, FTC Identity Theft Report and also an Notarized Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: IA

Complaint narrative:
Hireright told a possible employer there were discrepancies in my education information. Stating that i lied and i did not receive XXXX  but a diploma. In the application i completed under question " what degree recovery ''. It does not provide the answer DIPLOMA and it does not provide a space to type in DIPLOMA so i choose the best option. That is their error and they shared falls information with company who did not hire me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: GA

Complaint narrative:
I have fraudulent data on my XXXX  credit report. XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently filed a complaint in XX/XX/XXXX with CFPB ( Complaint # XXXX-XXXX  ) whereas B of A alleges they sent a " declination letter '' to me on XX/XX/XXXX, which is an absolute fabrication. They say this was based on a telephone conversation on XX/XX/XXXX where as they claimed the loan was withdrawn from modification review .. another fabrication. 

In 2012, I modified my first mortgage with Bank of America, and once that was complete, my B of A Counselor, XXXX XXXX, ignored my repeated requests to modify my 2nd mortage ( see attached communications ) and ultimately told me that because my ex husband, who is on the loan, declared bankruptcy, that the debt was no longer collectible. Of course, I was naturally suspicious that this was either the best gift ever or that he simply lacked the time resources to help me ( again - his email says he's " real busy '' ). Bank of America also advised me not to pay the 2nd mortgage if I wanted a modification - which was a common myth being communicated by lenders back then who didn't know how to deal with this huge problem. 

I have more documentation that I can provide that demonstrates that I was absolutely interested in refinancing my 2nd mortgage, but was not getting any results or progress from B of A - likely because they were drowning in 1st mortgage modification processing.

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