vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To XXXX XXXX regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
We experienced discriminatory and unfair under calculating of our income. Continuous denials of recipes of documents in support of our application. They can not be reached via calls, emails. They were not open and fair with the whole process. We were getting inconsistent feedback regarding our application among the staffs. 
We were told that we could close within the 30 days and we were assured that it was going to be smooth since all or most documents were already in place. Unfortunately, a week before the closing when they were supposed to deliver a mortgage commitment to the seller, they claimed they had not received an employment verification from my wifes job. Meanwhile, the letter was already in their possession. After much back and forth and lying, they gave a makeshift closing document to our realtor which according to them was not final. Then, a day to closing, they came up with new conditions which had not come up from the time they approved us for a loan. From these, it is clear that we are being used, discriminated against and treated unfairly based on our race, ethnicity and income.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: I.C. System, Inc.
State: UT

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this 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 explanation
Consumer complaint received 2021-10-14 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 just noticed that there have been several inquires that have been added by someone that have stolen information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was tricked into Wells Fargo 's mortgage program. My mortgage officer over-promised on discounts but can't keep her promises. Most importantly she didn't lock in my rate intentionally. She had more 14 days to lock in my rate after receiving the executed contract but she didn't do it. Now my interest rate has gone up from 2.875 % to 3.125 % and that I have to pay more on my mortgage. If I want to have my interest rate at 2.875 %, I have to come up with more money to buy more points. My closing date is approaching on XX/XX/XXXX and I don't have time to find a new lender as my apartment lease is also about to end. I don't know what to do?

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 2021-10-14 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: NY

Complaint narrative:
I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX and I brought my home on XX/XX/XXXX and I was with a different a mortgage company when my difficult times begin. then my loan was transferred to another company. I lost a client due to Covid-19 and that was extra income on the side that helped me covered the mortgage payment. my husband and I separated therefore he is no longer in the household. Then my daughter is XXXX  and her son been trying to come since she was XXXX XXXX XXXX so they end up her on bed rest which result in her being place on XXXX XXXX with no pay. I started a new job as a XXXX XXXX XXXX but I ' m just getting started, I hoping that the company can do a forbearance for the two payments that I missed on XXXX and XXXX of XXXX so I can start fresh. XXXX I didn't plan or expect any of these to happen but things to do happen in life. I have XXXX and I had it since XXXX and in result I have two XXXX XXXX XXXX but I know one thing is that I don't want to lose my house. It took me six months to get in house then the week of closing my house catch on fire along with five other house, someone decided to smoking and throw the cigarettes but it was still lit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XX/XX/21 call TransUnion XX/XX/21 call TransUnion XX/XX/21 call TransUnion to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call XXXX about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response

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 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Made a few transfers from XXXX to Wells Fargo. Three went through. I have since tried to transfer funds but Wells Fargo is blocking me receiving funds. Ive called them but they give run around. They are unprofessional rude dismissive and disrespectful. The so called supervisor XXXX  was just silent et refusing to help. She has poor customer support skills. She would not take any action to see about and fix block on my account. She is not the only one. In general the staff is dismissive disorganized and disrespectful. They do not inform customers. They are unwilling to help and are not upfront. I want my funds and should not have to go through this harassment. They are a sneaky institution that had very little regard for their customers. Why do they make things unnecessarily difficult. I want my case settled et for them to be pro-active

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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number. We called the bank on or around the XXXX to see why it has not been credited to her account. At that time a representative indicated that that had happened to them before and that I should just let the normal process take place and that the bank would recognize the On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number instead of her account number. We called the bank on or around XXXX the XXXX to see why the funds had not been credited to her account. At that time a representative indicated that I made a mistake and indicated the same had happened to them before and that I should just let the normal process take place and that the bank would recognize the error and that would activate a return of the funds. I waited several days and the funds were never returned. With the assistance of a member agent, on XX/XX/XXXX, I was instructed that the next step was to request to dispute the transfer. On XXXX, XXXX I received a denial and the dispute was closed. Today I talked to specialists, managers, etcI am being told there is nothing they can do. The information they are willing to provide is limited. I cant tell if the account holder where the {$7100.00} accidentally went to is denying the return or what. Essentially the account holder is keeping funds that do not belong to them. I do not know where to turn at this point. Here 's to hoping you can help me in some way.

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 2021-10-14 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 — Investigation took more than 30 days
Company: Prizm Financial Company, LLC
State: IA

Complaint narrative:
I have reached out to this company several time prizm financial since XXXX this problem been going on a good thing you saying that I missed a payment I have not missed one payment with this company I have put in a complaint with the XXXX  and a problem still haven't gotten solve this been going on since XXXX and here it is XXXX and they still won't fix it they continue sending that marks to XXXX on my credit report I'm constantly losing every time I build my credit report up somehow this pop up and it takes 20 some points off of my credit report constantly I had asked him several times I have put this in dispute several times and they still won't fix it and it's getting old and I'm tired now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NY

Complaint narrative:
I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.

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 2021-10-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
HI Team, I have made international money transfer through transfer wise ( Membership number : XXXX. I transfer money from my overseas account of amount {$5000.00} on XXXX ( Reference enclosed ) and ask them send it to my XXXX account for family maintenance. But they rejected the payment and suspended my account and confirmed me to refund it to origin bank from where funds were received. 

Since then i am waiting for my funds into my bank account till now i wont received it and if i try to mail customer care they said payment already transferred it on XXXX but i dint received it in my account till date. And Customer Care people giving different answers when i try to mail multiple times. i am literally worried about my hard eared money i had lot of expense to paid off. could you please help me in this regard. 

Mail id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid someone XXXX through XXXX XXXX for a service that never was fulfilled. The day of the service I never heard Research the person more and come to find out they are a scam. I called my bank, which is navy federal right away and explained to them the terrible outcome they explained to me they cant give me my money back because it was on XXXX XXXX, and XXXX XXXX is liking giving some cash. I explained to them I was scammed, I never had to deal with something like this before. And they just apologized and kept saying try to get my money back through XXXX XXXX. XXXX XXXX didnt give me my money back because the person I send the money to erased they XXXX XXXX. And XXXX XXXX told me to reach out to my bank they will send me my money back but they didnt. And now Im out of XXXX, and my bank couldnt even help me. I still have navy federal but I barely use them now, they dont help their customers thats in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XX/XX/21 call XXXX XX/XX/21 call XXXX XX/XX/21 call XXXX to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call equifax about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response

Company response to consumer: Closed with explanation