vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
Your Information Full Name ( s ) XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, WA XXXX United States Physical Address ( if different ) United States Phone ( XXXX ) XXXX Email XXXX Preferred Method of Contact Email If you are submitting this complaint on behalf of someone else can you provide a signed authorization from that person? 
Yes Against Whom Are You Filing A Complaint? 


Name ( s ) XXXX Address United States Phone ( XXXX ) XXXX Who You Contacted XXXX support representatives, XXXX Are You A ( If Applicable ) Buyer Transaction Details Type of Transaction Wire/Money Transfer When did the transaction occur? 
Sun, XXXX Amount of Transaction {$2200.00} Complaint/Problem Provide a description of the problem ( remember to include : who, what, when, why and how the event transpired. ) XXXX sent {$2200.00} of my customer 's payments from my business account to an unknown third party out of state who supposedly claimed that I owed them money. There is no court orderer garnishment, no court order for money judgment and no notice either. This is amount to stealing.When I called they said someone filed a lien against my business for a money claim and in response to a debt collector they are not sending all my business transaction funds to that debt collector instead of my business bank account. How can I get the {$2200.00} back? 

Thank you. 

Can you provide copies of documents relevant to the complaint? 
Yes Have you tried to resolve your complaint?

Yes Date ( s ) of Contact XX/XX/2020, XX/XX/2020, XX/XX/2020 Method of Contact Phone Who You Contacted XXXX  representatives Phone of person you contacted ( XXXX ) XXXX Have you filed a complaint or contacted another government agency? 
No What do you think will resolve this problem for you? 
To get my {$2200.00} back in my business bank account How did you hear about XXXX? 
website Attorney Information Do you have an attorney? 
No Declaration By filling in my name and date below, I declare, under penalty of perjury under the laws of the State of Washington that the information contained in this complaint is true and accurate and the information may be used to further investigate the complaint. 


Full Name XXXX XXXX Date XX/XX/2020

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 2020-03-11 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: TN

Complaint narrative:
I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, 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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit reports shows I owe a debt of {$5000.00} and XXXX ( Account Number # XXXX and XXXX ) I repeatedly disputed this claim with Navy FCU several times via mail over the past 5 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from Navy FCU debt is belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AZ

Complaint narrative:
I have sent several request to have Equifax remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and Equifax will not remove account. I would like this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This account was reinserted without a proper & required 5 day notice. 

No notice was sent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
I purchased as-is house ( second-home ) on XX/XX/2017 ; Guild Mortgage did not give me a non-disclosure form before the closing stating the landscaping problem and I was never told that there was a drainage problem with the property before the closing. Water enters the home in two difference places that I have seen after a heavy rain. I have written to the Home Owner 's Association because they are responsible for the gutters and landscaping.

After seeking help through the Association which they replaced the gutters when there is a landscaping problem. I have spend money buying drainage pipes and sand and tools.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
My credit reports shows I was late several times, which is not true. I was in school and all my loans was deferred and in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Southern Auto Finance Co
State: AZ

Complaint narrative:
I have sent several request to have XXXX remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and XXXX will not remove account. I would like this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had an offer from my credit card company to do a balance transfer to pay other credit card, they send me three check to use it for the transfer with 0 % interest for one year, that was on  XX/XX/2020 company name TD CREDIT CARD I call the company to find ask about the offer, and they told me they can do the transfer for me and told me I have enough to cover the transfer for the amount of {$7200.00} plus a fee the charge, without letting me know or asking me about it they place a hard inquiry on my credit report, and they wasn't supposed to do that because I was already a customer, so I call the company when I did find out about it and the company representative told me that they don't do that because is was a balance transfer I was already a customer and will start an investigation to take care of the mistake, so I call back on XX/XX/2020 and the company told me that they won't removed from my credit report because I agree to that, which I didn't, I ask for a copy of the recording conversation to see if I agree to that and told me they won't give to me, this is unfair because they blocking me for two year if I want to apply to another credit card company that offer balance transfer I want the hard inquire to be removed from my credit report so I can have the choice in the future to pay any debt with 0 % interest from other company which I did before with other credit card company without any problem I didn't requested a new credit card to place a hard inquire on my credit report just a balance transfer this was an unfair business practice from the credit card compay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 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: SC

Complaint narrative:
There are two collections on my credit report that do not belong to me ; I noticed them today XX/XX/2020 when I was denied from getting a personal loan. I wasn't aware of these accounts because I never opened them. I did not allow anyone to open these accounts on my behalf nor do I have any written/verbal contract with these companies. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the CFPB regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX  XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports shows I was late several times, which is not true. I was in school and all my loans was deferred and in forbearance

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports shows I was late several times, which is not true. I was in school and all my loans was deferred and in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports shows I was late several times, which is not true. I was in school and all my loans was deferred and in forbearance

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 2020-03-11 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: CA

Complaint narrative:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken Loans would not provide a rate or fee information via phone on XX/XX/20, instead requiring an application. After an application was submitted on XX/XX/20, the rate shown was higher than my current mortgage with XXXX. I asked online about the rate and fees, yet the online experience said working to close on my loan on these worse terms. Further, I received an email on XX/XX/20 to formally confirm my intent to proceed on these poor terms. 

On XX/XX/20, after repeated requests for the rate and fees, I received an email from XXXX XXXX that the rate is 2.75 % for the 10 and 15 year fixed. However, I later received an email from his manager XXXX XXXX that the rate was 2.99 % with {$3100.00} in fees. When asked about the 2.75 % rate, he responded that rate wouldve required points of another $ XXXX in fees. 

This lack of transparency and communication on basic information risks leading consumers to make incorrect or suboptimal decisions. 

Lastly, on XX/XX/20, I received a text message Hello my name is XXXX from Rocket Mortgage. I realized that none of our discounts and promotions were showing on your application. We have a better pricing. Please let me know when we can talk to go over goals. When prodded further, he responded I understand that you were speaking with my director XXXX. I apologize I sent this text to you by mistake. did you want me to have my director reach out to you? This is terrible customer service. 

Quicken needs to be transparent on the fees and rate associated with its loans with better documentation in writing. There are other lenders with transparency and disclosure. Market less, be transparent more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I found some one used my credit record and open accounts under my name.

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 2020-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
In XX/XX/XXXX, we contacted AmeriSave to get pre-qualified for a home loan. 

On XX/XX/XXXX, we entered into contract to purchase a home in XXXX, OR stating that we were planning to purchase the home using a VA loan that we had been pre-qualified for through AmeriSave. AmeriSave told us the entire month that " the numbers were there '' and " we would have no issues '', so we proceeded with paying for home inspections ( {$510.00} ), sewer line inspection ( {$150.00} ), etc. on top of the {$500.00}  application fee charged by AmeriSave. 

XX/XX/XXXX We received an email from Amerisave that included a letter and the Closing Disclosure showing the closing date of XX/XX/XXXX as well as a Loan Terms Agreement. We had no reason to believe or think the loan would be denied for any reason. The verbally told us on this day that they will still shooting to close on Tuesday. 

XX/XX/XXXX The morning we were supposed to close ( I had followed up and left messages and emails for multiple AmeriSave contacts but nobody was returning my calls on XX/XX/XXXX ), we got a phone call from AmeriSave stating that underwriting did not approve our loan. Nothing changed regarding our employment status or credit between our loan application and denial. We have a Statement of Denial dated XX/XX/XXXX. This complaint is directed at AmeriSave, XXXX XXXX and XXXX XXXX. 

Now, in addition to the money we spent on inspections and the application fee to AmeriSave, the sellers are preventing us from getting our earnest money deposit back, so this whole charade that AmeriSave plays, is costing us over {$5000.00}. 

Nothing changed regarding our employment or credit situation from the loan application to the Statement of Denial, and we believe AmeriSave was negligent in stating multiple times that we would be approved for the loan, AND not letting us know until the morning of XXXX ( the day we were supposed to close ) there was even a potential issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
on XX/XX/2020 XXXX I called XXXX debt collection to check to see if I had a debt with this company due to harassing phone calls. 
The customer service rep went over who I was and while I was explaining why I was calling this evening, I wanted a statement mailed to me as I did not receive any information or mail prior to today 's phone call. 

The customer service male was extremely rude over the phone using profanities and abruptly hanging up the phone, saying he would not send a paper statement because I was being " Paranoid '' and that I can reprint online. He gave me a website that was not secure to see my information which was false. I was not able to access my alleged bill with this company online or by mail. 

He than said because I wanted a physical bill that he had no choice but to mark me down as a refusal to pay. which I've never refused to pay just want to have proper proof of alleged debt owed. 

I personally don't give my bank information to companies that will not send me a statement or give me any kind of information when companies demand payment over the phone by strong arming people that come through the company. He told me he was not going to waste his time on a " paranoid 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 2020-03-11 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: SLM CORPORATION
State: CT

Complaint narrative:
I already reached out to SALLIE MAE BANK INC and notify them of their error posting of information on my report. I requested for Method of Verification but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XX/XX/XXXXand XXXX XXXX XXXX XX/XX/XXXX CB/VICSCRT XX/XX/XXXX and XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief