vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I filed another complaint # XXXX XXXX earlier today. 

I know found out that they did have my insurance info, but for some reason did not upload it or properly acknowledge it in the system. 

I asked why, after spending XXXX hours on the phone with various voicemail trees, various people, on hold, and filing complaints, and they could not answer. 

I want this complaint to continue. The issue is not resolved. 

They had no explanation as to why they didn't acknowledge the insurance I provided. 

Also, they did not confirm they will issue a refund. 

The only way I was able to finally reach someone in their insurance department is to call the main UWM #, tell them I was filing a complaint with the CFPB and tell them that I'm elderly and contacting an attorney, and speaking to someone at UWM who was able to connect me with someone in the insurance dept. This is a total waste of time and a total abuse. I wonder how people who don't have the ability I do to deal with this ever get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting a credit card with me as an authorized user but I have never had a XXXX XXXXXXXX XXXX before

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 2024-02-28 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: FL

Complaint narrative:
I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation

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 2024-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was doing my bank statements and noticed a withdrawal from my trust account of {$8500.00} that happened on my XX/XX/XXXX bank statement. I was starting to catch up on my bank reconcilations. My bookkeeper had been sick with XXXX XXXX XXXX and just started back to work. We immediately notified the bank of this. They called their fraud department but to no avail and they denied my claim. We then appealed their decision and asked for proof I did authorize it ( dispute # XXXX ). The bank sent me back information that did not contain any of my information so we appealed it again. It is clear from their proof that it is not my authorization. ( I can provide the proof ) I reported and made a complaint with the OCC. The OCC forwarded it to Santander Bank ( XXXX ). Santander Bank then forwarded me a letter that said they did not have any person to contact regarding this matter at XXXX XXXX so they said in the letter " if they heard from XXXX XXXX they would contact me '' {$8500.00} is a lot of money and it was taken from my account fraudulently. 

I am a real estate agency so by law I must maintain a Escrow ( Trust ) Account that holds other peoples money separate from my Business Account- I have a fiduicary duty to keep all monies separate which I have done. This Trust Account where the money came from was other peoples money, NOT MINE- I have had that Trust account since I opened the account in Santander Bank since XXXX, XXXX, no one else has authorization to take any monies out of my Trust account. 

I need to get that money back as It was not my money- the Bank 's proof is not me. 

They said I did not report is soon enough so they were denying it -- but when I opened the account in XXXX with them I received nothing saying anything about wrongful electronic transfers- They don't seem to understand it wasn't my money to spend!!

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 2024-02-28 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: NV

Complaint narrative:
I was scammed out of money. It started on XX/XX/XXXX. Someone contacted me on XXXX claiming they could help me out financially. They sent me {$1800.00} on XX/XX/2024 and they asked me to send {$1300.00} of it to a church for charity. They sent me the XXXX  information for that supposed church, and they said to already send the {$400.00} to the XXXX  info given, an amount that would be available to me instantly. 
I had already sent the money via XXXX  on the same day XX/XX/2024 when I realized it was a scam, after being advised by my parents. 
I called my bank on XX/XX/2024 and a claim was made on my behalf same day of both transactions being fraudulent and a scam. 
My bank didn't update me for about 9 days on the claims. I had to call to check on it today on XX/XX/2024. And when I did they said they did an investigation and the {$400.00} sent out via XXXX  was not fraudulent and that they aren't reliable for scams. 
But previously they did not even gather any of the evidence I had, so how could an accurate investigation be done? 
They only asked me what happened. But I have screenshots of everything, and I had even gotten a death threat by the people scamming me and they had my number and claimed to know where I live. I received that death threat on XX/XX/2024. I am currently overdrawn, my account balance is- {$12.00}.

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 2024-02-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies. I attached the letter together with the FTC.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing in response to a complaint file XXXX. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2019 ] on Account : XXXXXXXX XXXX XXXX XXXX XXXX. On my XXXX. I have NO late payments which is CORRECT, but on my TransUnion and XXXX its showing different days which are NOT correct. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot 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 non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}

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 2024-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I logged into the Transunion website to report an incorrect address but the dispute section was not working. I never lived in GA so this incorrect address needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have had the same address for the past decade XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See attached files.

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
i was conected by a women via phone call pretend an expert trader she ask me open coinbase wallet account wich i did then she ask me to open account with XXXX  trading platform.i link my XXXX XXXX account with coinbase and purchase XXXX  then tranfer to XXXX for trading. trading was very successfull i make about XXXX.once i try to withdraw from XXXX they refuse sending money.And ask me to deposit XXXX more for authenticate my id that time i realise its all scm and frud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Time & Date : XX/XX/year> around XXXX Location : Bank of America ATM ID : XXXX. Near Gates XXXX of XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} of cash into the ATM, an error occurred with the machine. Cash was not returned. It didn't reach my checking account either. It just took my money. Here are the actions I took : 1. Called the number on the atm immediately : XXXX XXXX XXXX to report the incident. No one picked up as it was XXXX 's XXXX. 
XXXX. On XX/XX/XXXX, called the BoA customer center and reported the issue. Got a claim number : XXXX. They told me they would give me credit for the missing cash deposit. They also told me that researching would complete in 45 days. 
XXXX. On XX/XX/XXXX at XXXX, I visited a bank branch in XXXX XXXX WA to report the issue once more. They told me that ATM department is separate from the banking department, and there was nothing they could do for me. The banker tried calling internally, but no one picked up as it was late in EST. 
4. Deposit didn't come through. No pending deposit sign. No credit granted. No further action taken by the bank. The status of the investigation is still " researching claim ''. 45 days of research is way too long for the amount of money at stake.

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 2024-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$0.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
Experian Recently, I did an investigation on my credit report which caused report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

On my Public Record Bankruptcy XXXX  XXXX-discharged US Bankruptcy Court has also assured me that it is not within their policy or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law.

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 2024-02-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage is actively trying to con a XXXX person out of their home based on its market value and current equity Have reached out to local news regarding the entire situation We applied for forbearance 6 months ago or more due to hurricane idalia damages home has been and still is not livable they never got us approved no explanation not even a hey you weren't approved communication several managers have been contacted saying oh we'll get it fixed but they never have now i'm getting default letters for a home i've spent the last 6 months investing over $ XXXX in personal funds in repairs and can't live in the 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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 non-monetary relief