vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Hi, My client sent payment to my account on XX/XX/XXXX via XXXX. It says there will be 1-2 days delay. I've waited but 2 days has passed. Wgen my sender checked the transfer, it shows that the money will be on my account on XX/XX/XXXX. XX/XX/XXXX has also passed and it's still not credited to my account. I started to reach out to XXXX. But their customer service is so slow! And the only response I am receiving from them are generic and they are keep on telling me that they are not disclosing any transfer details to the recipient. That I need to ask my sender directly. My sender reached out to XXXX, but he has not gotten any clear response and updates from XXXX. They already take the money to my client 's account. They just keep on telling people to wait but has no reason why we need to wait for our money. They are saying that they need to do additional checks. We are asking for what and they can not even explain it to us. Additional check from XX/XX/XXXX?? That's too long. They didn't even send updates to inform the customer what's happening to our money! When my sender checked the status of the transfer on XX/XX/XXXX ( the date which XXXX promises that my money will be here ), it shows that they removed the date. Now, me and my sender have no idea where the money is and when will it be credited to my account. They are making fool of people! I have all the screenshots for proof. 

Look at their XXXX page, many people are complainig. There are some that have been waiting from almost a month and haven't received their money. That's horrible! 

I, myself, has a family and kids to feed! I have bills to pay that are already over due and have to pay for penalties for late payments. The amount I am expecting is around XXXX and my husband is expecting to receive around XXXX. Both of our salaries are being held by XXXX! Very disappointing! 

I hope you'll do something about this ASAP. My kids are starting to starve! And WISE DID NOT TAKE THIS MATTER SERIOUSLY! 

Looking forward to your prompt response. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate information on my consumer report and notified Experian via certified mail with proof of my identification and location information. Experian was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.

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 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
STATE COLLECTION SERVICE at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Wi XXXX has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
send anything this time because I wasnt trusting of his intentions anymore. Within a few business days I was notified by my bank that these checks that were deposited were fraudulent. I immediately called my bank and explained everything with as much detail as I could about this man. He provided a phone number to me recently asking for me to send {$400.00} because his bank account is locked. At this point I definitely know that this man is not who he says he is. I acted along asking for a number that he could provide to me to do this transfer he gave me the number belonging to an XXXX XXXX ( XXXX ) XXXX. Which I had not used to contact at all because of the situation as I am trying to obtain the most information from this person without creating suspicion that I am aware of his plans. I did call my bank account filing a claim and will contact my local authorities about this crime. This is the most I am able to obtain from the conversation I have had with XXXX XXXX. All through the social media application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

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 2022-05-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A reinstatement check was mailed to the Foreclosure Attorney in the amount of {$24000.00}. This dollar amount was good until XX/XX/2022. 

1. Received an e-mail from the Foreclosure Attorney on XX/XX/2022 stating the reinstatement check was received and it was mailed to the Servicer. 

2. On XX/XX/2022 a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX. She confirmed receipt of the reinstatement check but it has not been posted to the account yet. 

3. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX. After waiting on hold of 1 hour and 5 minutes, XXXX said we were not authorized on the account, she is in the foreclosure department, we are only authorized in Loss Mitigation. 

4. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX, Loss Mitigation Department. After 1 hour on hold, she said we are not authorized. 

5. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX, she is in the Foreclosure department. The reinstatement check still has not been posted to the loan. She said it can take up to 20 days. She advised that the client 's first contractual payment of {$1300.00} is due XX/XX/2022 and it must be mailed in. 

6. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX, she had to transfer me to the Foreclosure department, waited on hold for 45 minutes, got disconnected. 

7. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX in the Loss Mitigation Department. She confirmed the payment of {$1300.00} was received on XX/XX/2022 but applied to XX/XX/2022 payment. She then transferred me to the foreclosure department. Spoke to XXXX - ID - XXXX. I explained that the payment of {$1300.00} should go towards XXXX 's payment. She said she did not see any payment being made and she can't see any notes from Loss Mitigation. She went on to say Loss Mitigation does not see Foreclosure notes and visa versa. She said it was up to the client to settle this issue. THE PAYMENT OF {$1300.00} MUST BE APPLIED TO XX/XX/2022. THE BORROWER WAS FOLLOWING INSTRUCTIONS FROM LOSS MITIGATION AND FORECLOSURE AND THIS ISSUE MUST BE RESOLVED IMMEDIATELY. THIS IS SERVICER ABUSE.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After receiving my credit report, I am not happy to see the below items they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After receiving my credit report, I am not happy to see the below items they are in violation of the Fair Credit Reporting Act.

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 2022-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During XXXX, Bank of America charged late fees on our loan account 2-3 times ( for a total of {$890.00} ) when we were a few days past the grace period. We asked to change the due date on the loan to better match the timing our self-employed income was received during the month and the bank later complied & changed our monthly due date from the XXXX to the XXXX of the month -- at that point I asked the bank to waive the prior late charges & was told by a bank representative that I would need to show a new track record of no late payments and to make the waiver request later after a good record was established. I was not told at that time that I must make the request within 12 months of any charged fee. I did not make a request during XXXX because of covid distractions & assumed a longer track record would help the request when made. This year XXXX I have made the request several times to the bank -- we have not had a late payment since the due date change -- but the bank reps now repeatedly tell me the policy is : such fees can not be waived unless the request is made within 12 months and they will not waive the fees. We have been banking customers at Bank of America for over 26 years and we are frustrated that the policy was not disclosed to us in XXXX ( if it was in effect then ).

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate information on my consumer report and notified Equifax via certified mail with proof of my identification and location information. Equifax was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a notification that a collection account had been added to my credit report. The company is IC Systems, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this IC Systems account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that IC Systems offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform IC Systems that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against them and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

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 2022-05-05 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I received many calls from Ford Motor Credit Co for XXXX XXXX, who I am not, am not related to and have no knowledge of. I called the number they told me to in order to get off the list, the calls doubled. I called again yesterday, and I'm receiving more calls today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
Took a loan out for {$1000.00}. Made six payments of {$260.00}. Called today XXXX to pay the loan off and was told the pay off amount was {$1100.00} because of interest. What interest I'm paying off the principal. I fear they will continue to charge and try to bleed money out of me and others if not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is and I am filing a complaint regarding the recent experience I had with Bank of America 's mortgage loan department. 

I applied for a mortgage at Bank of America, and my loan officers are XXXX  and XXXX. 

On XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I received a phone call from XXXX saying I need to provide additional information within the next 2 hours or I will receive the " Notice of Incomplete ''. I told XXXX this is unrealistic and unheard of because I am currently at work. 

A few hours later, I received an email saying I have received such notice. My application is getting delayed. 

I have never received a request like this before from other companies. I am really surprised, confused and unhappy. 

I think I am being treated unfairly. 

Regards,

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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I'm filling this complaint against this company CBE GROUP who reported that I own them XXXX dollars for Cellphone bills from XXXX XXXX. First of all I never had XXXX cell phone service. my services has always been with the following companies. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I Been a victim of Identity theft in the past I truly believed someone had open an account under my name. I'm asking for this company to deleted this false report from all three credit bureaus Immediately otherwise there will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there as negative. An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
A tree fell on my car and XXXX my car insurance company paid the car off but credit acceptance put my account in collections anyway, I had the insurance company pay it off

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