vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
A Special Needs young man, entered XXXX XXXX XXXX on XX/XX/XXXX located at XXXX XXXX XXXX XXXX NY XXXX to ask questions about a car and left with a XXXX XXXX XXXX XXXX. XXXX from the sale of the car has the dealership as : XXXX XXXX XXXX XXXX XXXX. XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX NY XXXX. The dealership convinced an Intellectually & developmental disabled young man that he could afford a XXXX XXXX XXXX XXXX. He told them that he only makes about {$20000.00} per year, has coop maintenance fees of {$640.00} per month, has electric payments close to {$100.00} per month, along with other bills. They told him he could afford this car if he traded in his current car ( a XXXX XXXX XXXX that we purchased just 2 months ago for {$18000.00} from another dealership ). They traded his car for just {$12000.00} ( yet they put in the paperwork that they gave him {$11000.00} for his car trade & as if he gave them {$500.00} cash. That is false. No cash was given. He didn't even have the title to his XXXX with him, as he just went there to ask questions. I have proof of the XXXX XXXX, the exact vehicle listed online at {$30000.00}, yet the paperwork shows a sale price to my son at {$40000.00} ( & says " total cash price '' of {$47000.00} ). His credit score is at about XXXX, showed XXXX student loans ( & I also showed the dealership a collections agency letter received on XX/XX/XXXX ). They gave him an interest rate of 22.9 % for 72 months ( that's almost {$900.00} per month ) and had him sign a " no cooling off '' form claiming that by law it had to be signed. I was told this as well by them & I have proof of them stating this to me. They also told my son that he had to take a picture with the vehicle and leave a review on their website before leaving the dealership. I ( his mom ) returned to the dealership within 24 hours of the purchase ( I have proof of this as well ). We brought the car with us, asking if we could leave the XXXX XXXX on their lot so it wouldn't be touched or driven until we received the new title, & we asked if we could then have his XXXX back. We were told its not their problem & if someone wants to buy his XXXX, they're selling it. I showed my son 's IQ score, medical diagnosis ', disabilities and explained that I am in the process of getting Guardianship. This dealership is 1 month old. They took full advantage of this young man and offered no help. Shame on them! They purposely had him sign a " No Cooling Form ''! They know exactly what they did! Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have initiated a domestic wire transfer of {$12000.00} on XX/XX/XXXX and I still don't have access to that money even today which is XX/XX/XXXX. Initiating bank is Wells Fargo. I am both sender and receiver of the wire transfer. 

I called ten times on the status and all I got for the first 4 business days is that it can take 1 to 3 business days and I have to wait until that period is complete. I asked them multiple times to tell me if there is a problem and I can verify information is needed. No knowledgeable rep answers and all they tell you is it can take 1 to 3 business days.

They let me open an investigation after completing 3 business days and still no answers. I asked them to provide wire transfer confirmation page which lists all the details including the account and routing numbers and they said they will request the appropriate department to email me the copy and I still dont have it. 

I called the recipient bank ( XXXX bank ) multiple times and they said they dont have any info of that wire with the given federal reference number and I need to talk to Wells Fargo bank who initiated the transfer. 

Its been exactly one week now and I dont have acess to my money nor I have any information. All I can do is to wait for the bank to finish the investigation which can take 10 business days. 

This is unacceptable as both are domestic banks and as a customer I need to be able to get answers. Wells Fargo charged me {$30.00} on the same day and I still dont have access to my funds.

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 monetary relief
Consumer complaint received 2022-06-28 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: PA

Complaint narrative:
I opened my loan in XX/XX/XXXX when I closed on my new home. I was told that if I did not use the bank to escrow my taxes I would have to pay a fee. So I let them escrow my taxes. I was told that the additional escrow funds collected at closing could be used to pay interim tax bills. I sent 2 interim tax bills to them in late XXXX. In XX/XX/XXXX, I receieved notices from both agencies with late fees. I called and was told they do not pay interim tax bills. I asked what the procedure was to pay my own taces and get the funds back that were in my escrow account. I had to pay a fee of $ XXXX and fill out some forms. I paid the fee, and a few days later, was approved to pay my own taxes on XX/XX/XXXX. At that time, I was told by Union Home Mortgage that I would receive a check for the {$4700.00} in my escrow account within 30 days. I called last week for an update and was told the check was being mailed by end of week. As of today ( XX/XX/XXXX ), my account still shows that full amount in escrow account meaning the check is not even in process. I emailed the company today ( XX/XX/XXXX ) for an update, no response yet. I also tried calling today but was told they were having system issues. It is now past 30 days and I do not have check in hand as promised. Please help me to get this resolved. Thank you!

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 2022-06-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: MN

Complaint narrative:
i refinanced a home equity loan with my local bank, who in turn wired the payoff to Bankof the West. Bank of the west would not apply the payoff and close the loan down because they said it was not enough money to close the loan. They had calculated the payoff out another month for a payoff for XX/XX/XXXX, and my new bank sent the payoff for the correct amount on XX/XX/XXXX, and Bank of the west would not apply the funds. After another 5 days passed, Bank of the west debited my checking account for the regular monthly payment, then XXXX days after that, they applied the payoff my new bank sent them and closed it down. I have emailed and called bank of the west numerous times and can not get a response from them. Bank of the west has taken an additional {$1300.00} from me and will not put it back into my checking account. Bank of the west received a payoff from my new bank, and held those funds for over a week even though my new bank instructed them to payoff the home equity line.

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 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-06-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX and # 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 and account without my written instructions.

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 2022-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX and # 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 and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a debit card in the mail on XX/XX/22 issued by Navy Federal Credit Union, this was not an account I opened or authorized to be open. I called the financial institution on XX/XX/22 at XXXX advising them the checking and savings accounts listed with the debit card were not opened by me or anyone I authorized. They submitted the claim to their fraud department and I received a confirmation number. I also submitted claims to the credit bureaus as well as indentitytheft.gov, as advised by my local state representative 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation