vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I purchased two {$500.00} each money order from XXXX XXXX XXXX XXXXXXXX. Western union money orders put in my bank and bank charge me back {$1000.00} plus fees I can not get a hold of anyone at Western union for help XXXX XXXX XXXX wasn't helpful I spoke to the manager and he was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from Experian nor XXXX XXXX in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.

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 2021-08-13 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: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, XXXX, and Transunion. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.

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 2021-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor.

Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO
N, or PROPERTY of any person.

GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house.

They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be
my vehicle.

Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, can % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. 

This extension needs to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened Wells Fargo checking account with the offer. Within first 90 days get direct deposit of total {$2000.00} or more and then get {$200.00} cash advance. I have the minimum balance of {$500.00} into my account but even after 2 months of meeting that criteria, Wells Fargo hadn't credited {$200.00} into my bank account. I tried calling Wells Fargo multiple times but it's a very long wait after the confusing menu based IVR. there is no secure message or chat available once somebody log into the 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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for Amex XXXX  card and received the welcome offer -- XXXX points will be posted to my account within 12 weeks ( this is the max time ) I have reached the required spending. However, it's been 12 weeks already and their customer representatives have also confirmed that the spending has been met. I still haven't received the points. I have contacted their customer representatives more than once regarding this. It hasn't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX Inquiry : XXXX. XXXX 2020 XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX, 2020 XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This bank is crazy has nothing better to do than be bothering me I was declined initially for my freedom card their executive office got the account opened with lending since my credit was not established enough but it got approved then I get notice after they mailed me my card how is this fair what their doing is illegal I started using my account ans they mail me letter closing my account for the same reason as they insitallt declined my application telling me my credit history is too short when I have a paid auto loan and this is why I got approved their crazy they closed my card for the same reason they didnt want to approve me for credir reasons and its not negative my credit history is too short for them when I contacted lending they told me they want to reinstate my card but havent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: FL

Complaint narrative:
On my Equifax XXXX XXXX, you recently remove an account from XXXX XXXX and recently, you put their information back on my file because they gave you a different name to file it again to XXXX XXXX XXXX. It's the same account. 
I need you to remove this account immediately. 
XXXX  still needs to remove the account all together for falsification information. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am making an formal complaint against Rocket Mortgage and XXXX XXXX. This formal complaint against XXXX XXXX of Rocket Mortgage. I have been with Rocket Mortgage for 2 years now and my point of contact was XXXX. 
However, every since Rocket Mortgage appointed XXXX to me it's been issues. From his uppity attitude towards women to his ghosting behavior ; he has been just worst. Rocket Mortgage just allow this occurred as well.In addition, he misrepresent the fact that he could he help me with my home equity loan and send out an ratchet appraiser to my home. 
Then after receiving an email that everything was paid off on XX/XX/XXXX. Then decided his team wasn't going to even though an cash out of my own home equity. I want the equity to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from XXXX  nor Wells Fargo in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.

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 2021-08-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 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 explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I paid my credit card off XX/XX/2021 the company BB AND T BANK did not post it to my account and reported that it was 30 days late on payment, I showed them and sent a copy of the receipt where it was paid off I would like this removed from 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 explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.

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 2021-08-13 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: MD

Complaint narrative:
I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX  XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It has been well over 90 days and neither of these agencies have responded to my disputes. I am under severe distress. I am a victim of unfair, unlawful, and inaccurate credit reporting. These companies have violated FCRA 15 U.S. Code 1681b and 1681i. They have been negligent in there reporting and in their investigation. My right to privacy has been breached repeatedly and I have yet to receive any corrective action from them. I even contacted the courts to see if they gave them verification of any accounts or bankruptcies and they provided me in writing that they have never nor will they ever verify this information with credit reporting agencies therefore it is invalid and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It has been well over 90 days and neither of these agencies have responded to my disputes. I am under severe distress. I am a victim of unfair, unlawful, and inaccurate credit reporting. These companies have violated FCRA 15 U.S. Code 1681b and 1681i. They have been negligent in there reporting and in their investigation. My right to privacy has been breached repeatedly and I have yet to receive any corrective action from them. I even contacted the courts to see if they gave them verification of any accounts or bankruptcies and they provided me in writing that they have never nor will they ever verify this information with credit reporting agencies therefore it is invalid and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda Financial is openly not reporting my account # XXXX that was paid in full a few months ago reporting it accurately to the three credit bureaus it still shows open after 5 months later I also spoke with there representative XXXX XXXX on XX/XX/XXXX on a recorded voice line who stated that they Honda financial under case number XXXX supposedly deleted the trade line on XX/XX/XXXX of this account on there end but didnt update it to the XXXX credit bureaus which is against the law and I the consumer should be entitled to a fair and accurate credit report of which Honda Financial is not reporting correctly i herby request Honda Financial immediately to delete this account from the three credit bureaus and report accurately or I will further escalate this matter to a higher authority

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I was told by my coworkers that fnc control calls my job everyday around noon time. They told my coworkers I owe them a debt and could they get a number where I can be reach. I work 3rd shift so I am not at my job during the day. I dont owe this company nothing and dont know who they are. They call 2 times a day on 1st shift and 2nd. My supervisor have already ask them to reach out to me in another way but they continue to call everyday. They told them this is a business and not her home phone.? They are harassing my coworkers and trying to get info like a phone #. They told them that they are trying to collect a debt. This company is Fnc control XXXX XXXX XXXX phn #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NY

Complaint narrative:
They stole my money my opening deposit and lied to me and said they would mail my debit card I havent received anything from them by mail as promised and when I call they refuse to tell me why my account is blocked they wont tell me whats going on by mail or phone how is this fair

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 2021-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN DOES NOT WANT TO DO ANY DISPUTE MORE THAN ONE TIME.NO MATTER WHAT DEVELOPS, NO MATTER WHAT EVIDENCE IS PRESENTED, NO MATTER IF THE ACCOUNT BECAME CLOSED AND PAID THEY WILL CALL ANY SECOND DISPUTE BY ANYONE ANYTIME FOR ANY REASON ... FRIVOLOUS ... THEY STAND BEHIND THE FCRA THEN THEY BREAK THOSE LAWS CONSTANTLY ... THEY SHOULD BE REMOVED AND REPLACED BY XXXX OR ANY RESPONSIBLE BUREAU AND NO LONGER BE A BIG THREE MEMBER.THEY HAVE PROGRAMMED THE FRAUDS ON CONSUMERS INTO THEIR AUTOMATED SYSTEMS AND WILL CONTINUE UNTIL LAW ENFORCEMENT, THE CFPB OR CONGRESS STOPS THEM. THEY HAVE NOT A SHRED OF INTEGRITY LEFT AS A FUNCTIONOING COMPANY AND SHOULD BE FINED EVERY SINGLE TIME THEY BREAK THE LAW UNTIL THEY DECIDE TO STOP BREAKING THE FCRA.

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