vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I am a first-time home buyer and I started on my home purchasing journey in XX/XX/XXXX. In this process, I have dealt with two loan officers. The last Loan officer I was introduced to by way of a realtor I was working with at the time. The loan officer 's name is XXXX XXXX, she works for IberiaBaknk/First Horizon. Her NMLS ID # XXXX. I was Pre-Approved through XXXX XXXX for a loan amount of {$230000.00}. After being pre-approved through XXXX XXXX I begin house hunting with my then realtor XXXX XXXX. My experience with XXXX XXXX as a first-time homebuyer was frustrating and produced no results for me. After expressing my concerns and frustrations with XXXX XXXX I decided at that time to sever our relationship but continue my financing with IberiaBank/First Horizon. 

After I discontinued my relationship with XXXX XXXX, I informed XXXX XXXX of my new realtor. After she was informed that I would be working with a new realtor there was a shift in her communication with me, her approach with relaying information to me, her attitude changed for the negative overall. I continued to search for a home on my own and after I had found a home within the pricing of my pre-approval from XXXX XXXX, I informed her of the realtor that would be assisting me with the closing of my contract. At this point, its technically 10-15 days until the expiration of my pre-approval letter. XXXX has received all documentation she has requested from me and has not mentioned any issues as she is receiving requested documents. My closing date was set for XX/XX/XXXX, XXXX XXXX has not called me to provide any updates related to financing issues. On XX/XX/XXXX she called me to inform me that now, I do not qualify for any loan due to my income decreasing by {$270.00}. As I would think any good, reliable, and savvy Loan Officer would present the Buyer with options on how to work around the minimal change in income to secure the contract that has been put in place. She has made it clear to myself and the new realtor team that I have been working with that she is against the idea of me being approved for a loan to make a home purchase due to personal relationships that would not be gaining from my home purchase. She has displayed unprofessionalism by not communicating properly, intentionally giving misleading information to discourage the purchase of a property. I ask that XXXX XXXX be investigated and have all of her DENIED applications audited to see if there is a trend in her behavior with past clients. She needs to have a neutral position in the home purchasing process as the Lender, and not favor a specific realtor to ensure commissions for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/2021, I contacted XXXX XXXX, Fiduciary Administrator at Wells Fargo XXXX XXXX to begin the process to request a distribution from an XXXX trust fund. I completed and submitted all the forms on XX/XX/2021. I emailed XXXX XXXX on XX/XX/2021 to ask how long the distribution process generally takes. He replied, It usually takes about two weeks to do the paperwork and get approval and then depending on the transaction and the amount maybe a couple extra days past that time to raise cash or to coordinate the payment to the payee. The last email I received from XXXX XXXX was on XX/XX/2021 to request clarification regarding the recipient of the distribution funds, I replied immediately. XXXX XXXX has not responded to several phone calls asking for an update on the process since the XX/XX/2021 email.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
I fully paid off my mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/2021. UWM sent me an email on XX/XX/2021 acknowledging that my mortgage was paid in full. On XX/XX/2021 UWM erroneously processed another payment and took money out of my bank account despite the fact that my loan was fully paid off. As of XX/XX/2021 ( XXXX days after loan payoff ), they have not returned the money they stole nor my remaining escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Our house was damaged by hurricane ida on XX/XX/XXXX. We were without power for 20 days, during that time the water damage incurred became mold damage. The insurance company agreed to pay for the mold remediation at a cost of approximately XXXX dollars. In that time our mortgage was sold to freedom mortgage company. We received the insurance check and sent it too freedom mortgage and only received XXXX back on XX/XX/XXXX. Now freedom mortgage is holding an additional XXXX dollar check from the insurance company that is meant for the actual repairs to the house. They are stating the money cant be released until the work is nearly complete. I dont understand how Im supposed to get the work done if I dont have the money to do so. Weve tried repeatedly to speak to a supervisor and cant get a call back. We are out of options at this point.

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Phoenix Financial Services contacted me in earlyXX/XX/XXXXregarding an emergency physician bill from XXXX ( I think ). I disputed the bill and asked them to send information regarding this account. Information was sent to me and I had questions about the supposed debt. I was contacted again in XX/XX/XXXX and I made it clear that I had questions about the information that was sent to me and would need time to review and requested no more calls until I had an opportunity to do so. Even though I made this request, I continued to receive collection calls from Phoenix Financial Services ; somewhere around XX/XX/XXXX I received three collection calls in one day! I made it clear to the agent that I considered it harassment that I continued to receive calls regarding this account after I requested an opportunity to review their documents and told them I would call back. My credit score has been negatively impacted by Phoenix Financial Services from their reporting of this supposed debt as a collection account on my credit report. They reported an origination date of XX/XX/2021 even though I requested an opportunity to review the information in advance of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: NY

Complaint narrative:
I was checking my credit report when I saw that it said I owed {$75.00} on an auto loan by KeyBank. I have never heard of this company. My auto loan was taken by XXXX and was closed in XXXX of XXXX. It is now XXXX and KeyBank has reported to creditors that I owe {$75.00} and have XXXXmissed payments. Never once have I heard of this company. Again my account was closed with XXXX and I never heard of KeyBank. When I called first they never heard of me, have no records of me. Then I call again after I gave some information and they tell me I owe fees that were waved by XXXX. Then I was told they see notes that the fees were waived and they will waive the fees as they should have been. Then I call back again because now there is a lien on my vehicle and they tell me I have to pay fees and interest. Again never heard of this bank until nowXXXX! I been closed this account and they are saying I owe this money. One : I was never contacted by XXXX  ( also I asked what is my payoff amount and I paid that in full ) .Two : I never even heard of KEYBANK until this year XXXX!! XXXX was an awful year since its when I lost my mother. Now I have to go back and relive that year because this random bank is ruining my life for {$75.00}. A bank that never even heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At XXXX pm on Friday XX/XX/ I received a phone call from an unknown number ( XXXX ) .Caller said he was from some dept. at XXXX and noticed strange activity on my Wells Fargo checking account.He had me open my XXXX, then HE downloaded an app " XXXX '' onto my computer as well as my XXXX.As soon as I hung up, I saw that a wire transfer was made from my checking account for {$5400.00} without my knowledge or consent. 
I took me a long time to delete this app. At XXXX I reported this to Wells Fargo XXXX they closed my account, and opened new one. They saw the wire transfer had gone to XXXX, and said they put in a request to rescind this transfer but said they are not hopeful.I was able to then check my emails and texts, all from Wells Fargo, asking me to sign on to my account and verify my mobile number.They then provided an Advanced Access Code to hacker and allowed him to add his name, XXXX XXXX XXXX XXXX XXXX XXXX, as an online wire transfer recipient.Other notifications were sent confirming that a wire transfer was made from my checking account. Wells Fargo apparently using XXXX to make wire transfers using mobile phone number.I am somewhat elderly, and this has rattled me very much!!!! My bank said they reached out to XXXX within a few hours, but claims they are not responsible to see that I am reimbursed.I have the times, date, texts, and emails I received from hacker and Wells Fargo if you need them. 
I have banked with WF for many years... I did not know they use XXXX automatically as I never would have agreed to this. They stated that the bank is not responsible financially for this fraudulent wire transfer, so unless XXXX returns my money, I will lose a lot of money, which I can not afford. Can younplease help? 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 monetary relief
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-14 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:
VIOLATIONS OF THE FDCPA -- -FTC XXXX -- -- -RE : XXXX XXXX XXXX  Received report that the company certified the accuracy of an account that's not mine and I also certified that the account was not mine. I included and affidavit and well as my FTC report. Experian did not send me what they validated as accurate. Because if I certified it was incorrect and they claimed the company also certified it was accurate what method was used to do so because I did NEVER VALIDATED THIS DEBT which as a CONSUMER according to the FDCPA 15 USC 1692g I can ONLY validate this debt. WHo did they speak with what documents that I signed were used to come up with this accuracy they claimed. YOu also claimed I lived at XXXX XXXX XXXX and stated the company gave you that information I never lived at that address so that's innacurate. 
15 USC 1681 ( a ) 4 I have right to privacy and according to 15 USC 1681 ( b ) ( 2 ) nothing can be reported furnished on a consumer report without their signature.I never signed anything or gave XXXX or experian the right to share my information. 


THESE ARE ALL VIOLATIONS OF THE FDCPA. NEXT YOU WILL FILE THIS IN COURT.

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 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I sent Santander a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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