vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: SD

Complaint narrative:
We have been trying to get a mortgage assumption application package from AmeriHome Mortgage since the last week of XX/XX/2022. We received from them Form XXXX which we completed and emailed back the same day, on XX/XX/2022. Their website states that once this completed form is received, there is an application package that is sent out. We have called several times to check the status and each time, they send the blank Form XXXX to us for completion. We have received this form six times now and sent it back completed XXXX times. We still have not received the correct package to start our mortgage assumption. Ive asked that they email it and/or post it in the document center that is in my online account profile. They refuse stating that it must be mailed. This form should be available either in a customers document center or on their website. We have moved out of the home in XXXX and relocated to South Dakota. We are currently paying our mortgage as well as rent for our apartment, which is as much as the mortgage. We are out of money in our savings and need to get this process moving along before we are forced to foreclose on the mortgage. We have a family that wants to assume this mortgage who have already been approved for an amount greater than the balance on our mortgage, so there shouldnt be anything holding us back. This is a VA mortgage, which as a benefit to XXXX, is assumable. We have both called multiple times and each time the customer service person that we speak with tells us something different, from someone will call you within three days ( which has not happened yet ), to weve mailed it to you, to we dont do mortgage assumptions. This is the worst customer service Ive ever received anywhere. Sadly, customers dont have a choice when banks buy loans. If wed had a choice, wed have done research on them first. There are horrible reviews online about AmeriHome. They have reported that an assumption takes XXXX days, which I understand, However we are now approximately 30 days in from their initial receipt of our completed XXXX form and nothing is moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo reported a charge off on my credit report for a car that was totaled, I had GAP insurance to cover the full amount.

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 2023-01-23 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: OH

Complaint narrative:
Equifax Broke The Law!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: SC

Complaint narrative:
In accordance with the FCRA, Equifax has violated my consumer rights. 

15 US Code 1681 States I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

I have even requested documentation proofs ( HARD COPIES ) of my written consent and never received them, only to be sent a copy of my consumer report as they have with each complaint. 

Please see attached...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I needed to transfer money from my Marcus savings account to another account I own at different institution so I could request a cashiers check for a new car. My external account was already linked and verified to Marcus, and I have completed other transfers to this account from Marcus in the past. I called Marcus around XXXX ( XXXX ) on Friday, XX/XX/23. The representative took my instructions over the phone and submitted the request. Later that afternoon, the money had not arrived, so I called again just before XXXX ( XXXX ). The representative saw the request, but told me it was under review. She would not provide any additional information or identify any particular point of concern. 

From Marcuss customer FAQs posted on the website : Your money should arrive the same business day if the transaction is requested before XXXX XXXX XXXX. If there's an issue verifying an account or with a PIN verification, it could take between 1 and 3 business days for your funds to arrive in the external account. 

On Monday morning, XX/XX/23, the funds had still not arrived. I called Marcus again around XXXX ( XXXX ). I spoke to the representative, and she transferred me to her supervisor. Then the supervisor sent me to the Fraud Department. I learned there were two stages of reviews, and the first round was completed on Monday with no issues identified. And the second review was being expedited ( to be completed within 3 hours ). But there was still no information on why the first review was not completed on the same day that I submitted the instructions ( Friday ). As best I can tell, I submitted my wire instructions well in advance of the
same-day cutoff, and Marcus took no further action that day. Is the review team not equipped to handle the volume of daily requests? Or did Marcus decide to intentionally sit on the request to avoid having to disburse the funds ( and continue to receive a few days interest on the funds I needed access to )? 

This whole experience has been incredibly disappointing. I was unable to pick up the car I was scheduled to purchase. Why is Marcus making it so difficult to access my own funds??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
FCRA Violation : hard enquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello, I tried working with WellsFargo Mortgage for the longest time for a loan modification back between XXXX. I got laid off and it was difficult finding another job so I try to apply for a loan modification with the income that I do have. It was denied. The second time, I got a job but it was paying/salary was lower. I then again apply for the XXXX loan modification for a much lower monthly payment but it wasn't approve either. By the third time, I try to apply again for the another loan modification and again it was denied. 

I had to pay an attorney in the amount of {$45000.00} in an installments to file for bankruptcy to protect my home. After XXXX years long of continuous efforts, I work with the bankruptcy attorney to help with the loan modification and again it was denied. Even though, I try to maintain my payment to upkeep the mortgage along with the prior balances, it got snowball and went spiral into a higher balance along with interests and fees. With the bankruptcy filing, it was not helping me to resolve and able to keep my home to which I love very much. I need this home to be a home for my children to continue their schooling but without the help of Mortgage dept to help with the loan modification, I was not able to live but to do a quick sell to avoid foreclosing. 
I feel that the Wells Fargo Mortgage was not doing their job in helping me to avoid the pain/suffering of loosing my home and in the mean time it was the most stressful event ever in my life. I do feel that it wasn't fair treatment as I did try in so many ways to protect my home and only to find out that I can't save it. I do feel I was discriminated b/c my XXXX language barrier. 

I feel that I was not treated fairly and none chooses to help me in saving my home. 

Sincerely, XXXX XXXX

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed this account numerous time there is still no resolution

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 2023-01-23 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: PA

Complaint narrative:
I have disputed this account numerous time there is still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
I have disputed this account numerous time there is still no resolution

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
We have a business checking account at Bank of Oklahoma under the name XXXXXXXX XXXX XXXX  XXXX. We have been a customer since XX/XX/XXXX and have had a average balance of over {$800000.00} this year. XX/XX/XXXX I was doing bank reconciliations for quarterly financials and I noticed that the bank processed 6 checks written on XX/XX/XXXX that were fake. Completely different check stock, different company name, different signature, only the bank account numbers were the same. The original checks written to those check numbers were cashed by the correct people. Not sure how they got our account number. I went to Bank of Oklahoma but they were closed and told me to come back on Monday. We talked to multiple people at the bank and they said there was nothing they can do. The 6 checks totaled {$19000.00}. I have filed a police report, but they said it was mobile deposits and out of XXXX XXXX 's jurisdiction and there was nothing they can do. We had our attorneys contact the legal department at Bank of Oklahoma and BOK again said they would not reimburse any of the fraudulently cashed checks. I have copies of the fraudulent checks, police report and communications from our attorneys and BOK 's legal department. Please help, the lack of help from BOK has been shocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a mortgage with Wells Fargo in XXXX and sold the home in XXXX. I would like to apply for settlement funds for any improper denials/ transactions/use of funds related to my mortgage. 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( acct XXXX ) : XXXX XXXX  XXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), MERCHANT XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( acct XXXX ) : XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
In XX/XX/XXXX, my Mother noticed there were deposits coming into her checking account via XXXX. These deposits were from companies that my Mother has never had any type of relationship with. 

We spoke with XXXX XXXX at the XXXX XXXX. He suggested that we reach out to the three companies that made the erroneous deposits. These companies were SC XXXX XXXX, XXXX XXXX XXXX XXXX SC and XXXX XXXX. No one at these companies was willing to assist me as I could not supply an account number for them to reference. 

We went back to XXXX XXXX who said all he could do was request the ACH deposits be returned. 12 of the original 15 were reversed on XX/XX/XXXX. Before the returns were processed, a fourth company began depositing by XXXX. More deposits from various companies continued to be made, totaling over {$30000.00}, through XX/XX/XXXX. 

We opened a new checking account on XX/XX/XXXX. It took several months to transfer all direct deposits and automatic drafts for bills to the new account. During this time, numerous deposits continued, as mentioned above. 

In XXXX, I came into the XXXX XXXX and met with XXXX XXXX, with whom we had continued to communicate. We transferred {$3900.00} which was rightfully my Mother 's, into the new account on XX/XX/XXXX, leaving over {$10000.00} in the old account. 

During that visit, XXXX and I compiled a list of the deposits that should be returned in order to close the old account. After months of worry and believing the bank would do their due diligence, we moved on. 

In XXXX, I received a call from XXXX XXXX. He stated that the bank had exhausted all avenues in returning the remaining funds but there was still {$8700.00} remaining in the old account. We could take a check or the bank would retain the funds. We took a check. 

On Monday, XX/XX/XXXX, there were XXXX separate transactions from XXXX XXXX, totaling {$9400.00}, which were debited from my Mother 's new account via XXXX, with no authorization from either my Mother or myself. These amounts were some of the deposits that the bank should have returned in XX/XX/XXXX. We believed, in good faith, that " all attempts had been exhausted ''. 

A fraud claim was filed for each of the 24 transactions on Wednesday, XX/XX/XXXX, as soon as we were notified that a check my Mother had written was going to be returned and we learned of the unauthorized debits. The old checking account has nothing to do with the new checking account and is not linked in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I ordered monthly phone service from XXXX XXXX XXXX per month. They couldn't port in my old number and after XXXX days of trying I returned their equipment. Now XXXX XXXX XXXX claims I owe them {$XXXX}. They sent me to Radius Global Solutions for collection and they reported the " debt " to the XXXX credit bureaus. I want this account removed from 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 explanation
Consumer complaint received 2023-01-23 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: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX

Company response to consumer: Closed with explanation