vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am being paid as a contractor through XXXX  and sent an international transfer using Wise app XXXX XXXX XXXX 

- On XX/XX/year> - I transferred {$10000.00} dollars to the XXXX XXXX  currency account of Wise.com - The transaction shows as 'completed ' on XXXX but has never arrived in the Wise account. 
XXXX Wise confirmed that the bank account it was sent to is owned by them. 
- Wise tell me they have no visibility on this transaction, despite me providing multiple tracking documents, a trace XXXX XXXX XXXX XXXXXXXX form and additional information. 
- I contacted the 'intermediary bank ' that XXXX  use ( XXXX XXXX XXXX and they confirmed that the responsibility on this matter sits with the remitting bank ( XXXX  )- It is XX/XX/XXXX and I need this money to pay my rent and taxes. I don't know what else to XXXX XXXX XXXX  tried to close my support claim and also told me the funds were 'missing " Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found multiple billing errors on my credit report that show late payments not in line with my usual payment history. Kindly correct them and update my account. 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed incorrect information on my credit report concerning 15 USC 1681c-2. Unauthorized inquiries are listed, which are affecting my credit, so I ask that they be removed.

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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Gemini Trust LLC has inappropriately collected commissions and expenses approximating {$700.00} for processing a bank transfer but failed to perform any of the requested services, failed to refund my entire principal balance as no services were provided, failed to reply to repeated inquiries and closed my account without any explanation whatsoever. The original principal was for {$10000.00} in Gemini but the exchange has refused to make me whole and inappropriately collected expenses even though none of the requested services were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Requested a wire transfer from Ally to my escrow service for closing costs on a home purchase last week. They have not verified my wire transfer and will provide no updates ; I am now in breach of my closing date and am scrambling to get approval for an extension.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system.

This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time.

Also we have been paying {$1000.00} additionally on each payment toward principle most months.

They told us that they would clear this up and still to this date we have had no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

Please provide me with the original creditor 's name and any supporting documentation.

A signature on an agreement stating that I have agreed to assume the debt.

A copy of the debt agreement, including the principal, interest, and any additional fees charged.

Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I noticed errors on my credit report under 15 USC 16c-2. There are inquiries listed that I didnt authorize, which are negatively affecting my credit. Please remove all unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
As a consumer, I, XXXX XXXX, believe that Credit Management Company is violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( a ) by reporting this debt on my credit report without properly adhering to legal requirements. Under the FDCPA, a debt collector must provide a written notice within five days of the initial communication, clearly outlining the amount of the debt, the name of the original creditor, and a statement of the consumer 's right to dispute the debt. In this case, Credit Management Company has reported a collection account related to XXXX XXXX XXXX XXXX on my credit report, but the original balance is listed as {$0.00}, and there is no record of the last payment. Moreover, I have not received any notification from them verifying this debt or informing me of my right to dispute it, which is a direct violation of 15 U.S.C. 1692g ( a ). Without this information, they have failed to meet their legal obligations, and their reporting of this debt is inaccurate and unfair under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Received a debt collection letter in the mail for {$5000.00} from I.C. System Inc. for XXXX XXXX. Reached out to I.C. System Inc. Stated that this was not my debt. Answered a few questions regarding having ever opened an account with XXXX XXXX, cosigning, or if I was aware of any data breaches that contained my information. The representative stated that this was likely a case of identity theft and fraud and directed me to a link for XXXX XXXX fraud department. The only information I was able to gather from the representative was the date the account was open. XX/XX/XXXX. I was also told that this debt would show on my credit starting XX/XX/XXXX. 

I did attempt to call XXXX XXXX with the account number provided on the collections letter. But the account is pin protected, the representative directed me to their claims department. The claims depart uses an automated voice system and I could not speak to a representative. 

I filled out an Identity Theft Claim on XXXX XXXX website and downloaded the Identity theft victims complaint affidavit forum. The forum is asking for personal information, including filling a police report. I attempted to file a police report, but was unable to do so as it does not show on my credit, and I am unable to get detailed information from the collections company, or XXXX XXXX. I have no information about this debt outside a number amount owed. 

So far, the steps I have taken. Froze my credit and placed a 1-year fraud alert with all four credit agency.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> I requested UMB Bank send my funds to my new XXXX XXXX. They waited till XX/XX/year> to close my account, in the closing process UMB took back the earned interest for XXXX in the amount of {$0.00} and charged a {$25.00} closing fee. They then waited until XX/XX/year> to mail the check. As of XX/XX/year> the new institution has not received the funds. I have asked that they reissue a check. I was told that they will charge additional fees for this. At this point they are stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a letter in the mail today, XXXX XXXX, XXXX, from a company called XXXX. They are saying I owe a company by the name of Washington Mutual Bank {$6300.00}. I looked up Washington Mutual and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I took out an auto loan from Santander Consumer USA in XXXX, which had extremely high interest rates and predatory terms. Despite attempts to refinance, Santander provided no assistance. I was forced to surrender the vehicle, and now face a judgment against me in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , ruled in favor of the plaintiff on XX/XX/XXXX, for the remaining loan balance. 

I believe Santander engaged in unfair lending practices, and although they were part of a XXXX XXXX XXXX  for similar issues, I was not included. I request CFPB 's assistance in investigating their predatory practices in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to dispute the account # XXXX reported by Ally Financial on my credit report, as I believe this may be a case of identity theft. I do not recall taking out any loan or having any obligation with your company. Additionally, I have received no prior correspondence regarding this alleged debt, nor have I been sent any debt validation documents confirming its legitimacy.

My personal information was involved in a documented data breach, and I have attached supporting evidence for your reference. Moreover, I have not received any documents bearing my signature or identification that would bind me to this debt, which is typically required for loan agreements. 

I am requesting the immediate removal of this account from my credit report. Even if your investigation were to conclude that this account is mine, which I firmly believe it is not, the reporting of this account violates FCRA regulations. There are clear discrepancies, such as inconsistent reporting of the " date last active '' and signs of re-aging. Additionally, the reported payment history is inaccurate. You claim that I was 30 days late in both XXXX and XX/XX/year>, followed by a 60-day late payment in XX/XX/year>, and then another XXXX late payment in XX/XX/year>. This pattern is highly inconsistent and clearly erroneous. The payment history indicates that the account was charged off after being 90 days late. However, per standard industry practice, an account should not be charged off until it is XXXX days past due. This discrepancy suggests that either the law was violated by not allowing the appropriate time, or my consumer rights were infringed upon by reporting inaccurate late days. 

Your failure to accurately report this account constitutes negligence and is a violation of my consumer rights under the FCRA. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation