vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I was promised a rate when conducting a transfer US to XXXX, which was guaranteed for 3 business days, not including weekends. 

They reneged on their rate, then I was assured on the phone the difference ( ~ {$150.00} XXXX ) would be compensated and placed in my XXXXXXXX XXXX account. I was offered XXXX XXXX of " credit '' so if I use their service again, both short of the difference and not put in my account. 

I can not even speak to anyone who has any power to issue a refund or even put the compensation into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently refinanced my auto loan with PenFed credit union upon signing the docs on XX/XX/23 I noticed there was no disbursement date listed so I could determine when interest would begin to accrue. After calling in to the service department an agent told me the loan would begin to accrue interest the moment I signed loan docs ( XX/XX/23 ) even though the funds were sent via check and not cashed for 12 days. I requested a call back from a supervisor and the second I picked up the phone it was disconnected and I received a message stating my call was returned. UDAAP My old finance company ( XXXX XXXX XXXX ) confirmed the funds were received an applied on XX/XX/23 which is the actual and correct disbursement date. 

I should not have been charged interest for the 12 days as no funds were disbursed to me or the previous financing company. I also think trying to charge consumers for interest on a loan the company knows will not disburse for 10-15 days is an unfair, deceptive, or abusive act and practice. ( UDAAP )

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: NV

Complaint narrative:
My phone and wallet were stolen in XX/XX/XXXX. I lost ownership of my phone number linked to my email account and my Cash App account. 
My cash app account was the account designated for my direct deposit. My employers deposited a paycheck on XX/XX/XXXX that was sent to my old account. Ive been trying since then to recover my funds. Ive given Cash app every detail possible for my account, and they wont assist me in recovery and often hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Payward Ventures Inc. dba Kraken
State: CO

Complaint narrative:
XXXX On XXXX, XXXX  XXXX, I sent XXXX dollars to Kraken XXXX On XXXX  XXXX I received their notification that my funds could not be deposited > I asked for that money to be returned to my account, the one where the funds came from XXXX On XXXX  XXXX, Kraken informed me that my bank had bounced the money back > They deposited in my Kraken acc XXXX dollars >I asked them about the other XXXX missing >Their response was that there were some fees included XXXX I asked them to either return my money or give me valid and legal proof of all the fees in the way > They are saying that they can not get that -Attached : Email thread and proof of deposit

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
This is not my debt it is supposed to from XXXX XXXX XXXX. I have no knowledge of this account as I have had a att cell phone open active and current for over 20 years. I sent this company a debt validation letter and it was removed from my credit report only to reappear a month later. The first notice I received of this so called debt is when it appeared on my credit report, no letter or phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX XXXX, XXXX XXXX, XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a claim against Innovate Loan Servicing Corporation, also known as Innovate Auto Finance, for their failure to report my auto loan to the credit bureaus. On XX/XX/XXXX, I took out an auto loan for {$34000.00} to purchase a XXXX XXXX XXXX XXXX, with an annual percentage rate of 20 %. 

Since then, I have made on-time monthly payments of {$830.00} through the platform ils.theinnovatecompanies.com. 

However, when I attempted to refinance my auto loan with a different company in the first week of XX/XX/XXXX, I was informed that my auto loan did not appear in my credit report. 

Upon checking my XXXX XXXX account, I discovered that Loan Servicing Corporation had not reported my auto loan to any of the three credit bureaus - XXXX, XXXX, or XXXX. 

I contacted the company on XX/XX/XXXX, and spoke to XXXX XXXX, who assured me that they would send emails to the credit bureaus to rectify the situation, and that they would call me back in two days. 

After a week passed without any communication, I called Loan Servicing Corporation again and spoke to XXXX XXXX, who provided me with the same response. She told me that the company would call me back, but they never did. As a result, I continued to lose money as I could not refinance my auto loan with a better interest rate. 

I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who informed me that the company had already sent emails to the credit bureaus. However, when I contacted XXXX and XXXX, they confirmed that they had not received anything. 

After speaking with XXXX XXXX, I requested to speak with his supervisor, but he refused to connect me. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who provided me with the same information that they would contact their supervisor to resolve my situation. 

On XX/XX/XXXX I submitted a claim with the XXXX XXXX XXXX, and they tried to reach the company in several occasions, with no success. 

I am frustrated with Loan Servicing Corporation 's lack of responsibility and inability to resolve a simple issue. It is their responsibility to report my loan to the credit bureaus and follow the law, so I can refinance my car with a different company. 

I called XXXX again, and they opened a case number XXXX so that Loan Servicing Corporation could send my loan information via fax to resolve my situation.

I have made multiple attempts to contact Loan Servicing Corporation, and I am no closer to resolving this issue. I feel as though they are mocking me and disregarding my situation. I need to resolve this issue as soon as possible, and I request that the Consumer Financial Protection Bureau intervene in this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS IS NOT A DISPUTE : THIS IS A COURT ORDER BY A UNITED STATES MAGISTRATE JUDGE. SEE THE ATTACHMENTS AND COMPLY WITH THE ORDER. THE ORDER IS FOR PLAINTIFF ( XXXX XXXX ) TO FORWARD A COPY OF THIS ORDER TO ALL THE DEFENDANT ( S ) WHICH IS TransUnion, LLC., IN THIS CASE. UPON RECEIPT OF NOTICE SERVE AS YOU HAVE RECIEVED A COPY OF THIS ORDER. THE INSTRUCTIONS IS WRITTEN IF TransUnion, LLC., FAILS TO COMPLY. THANK YOU FOR YOUR TIMELY COOPERATION. XXXX XXXX All Rights Reserved.

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 2023-04-14 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: GA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was offered a loan by a man who asked me to go to XXXX XXXX and get XXXX cards to prove that it was me. The total sum of the XXXX cards were of {$800.00}. 
So I gave him the XXXX numbers I called to ask him how the loan was going. He said he needed {$100.00} more. I said I didnt have it. I disconnected the phone call I knew it was fraud at that time because he was asking me for money, and then I looked on my online banking and there was a provisional credit because before I had a chance to understand what was happening and go to XXXX XXXX  and get the XXXX cards, they pulled the money back out said that they had a dispute My bank is charging me the fraudulent activity amount when they know the whole process is fraudulent. 

The dates of the fraudulent activity was from XX/XX/XXXX to today XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Company My mortgage was just sold by XXXX XXXX  to PHH Mortgage in XX/XX/2023 XX/XX/2023 Sent paperwork via email per procedure listed on their form from their website for Bi-weekly payments. 
I didn't hear back from them so I called requesting information about 3 weeks later and was told I didn't fill out the paperwork correctly ... no specifics given. 
XX/XX/2023 Re-sent same paperwork again for bi-weekly payments highlighting applicable section for bi-weekly payments. 
Called a week later verifying everything was in order. This time I was told my mortgage needed to be paid up a month ahead to start the process for bi-weekly payments. 
I paid the normal monthly payment via automatic payment on XX/XX/2023. On XX/XX/2023 I paid an additional payment to start the bi-weekly payment. 
On XX/XX/2023 I talked with XXXX in the XXXX Department ( XXXX XXXX ) and she said she was going to get it taken care of and call me on Wednesday XX/XX/2023 once she could verify that the process was complete. I didn't get a phone call so I called again today, XX/XX/2023. The agent tried telling me that I didn't have the paperwork in and that I needed to be paid up a month in advance. I showed him that I was paid up a month in advance. He said that payment was mis-applied and now it needs to be reclassified and that'll take up to 5 days and when that's done, XXXX will contact me ( like she contacted me before ). Every time I call I get an excuse that something isn't right with the paperwork or the paperwork was misread. Every time I call I'm left with no solution, just a " wait and somebody will get back to you ''. 
There are two things going on. One, they advertise a bi-weekly payment option, but don't want to do it through a discouraging process. Two, they took an extra payment from me illegally to pay down a loan if they have no intention of fulfilling their end of the process by implementing a bi-weekly payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX YEAR OLD THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXXXXXX XXXX XXXX XXXX XXXX  XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: FL

Complaint narrative:
Someone applied for a credit using my name, information, and address. They were unable to open as I have a freeze on all three credit reporting agencies but I was told to still report the attempt to FTC. 

Elan FinancialXXXX said they did not have the resources to figure out who applied for credit 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
i filed a dispute with XXXX about an account with credit acceptance whom violated my rights. XXXX done the investigation and said that it was true and accurate. However, I disagree on there investigation. please see all of factual documentation in enclose including the letter to credit acceptance letter as well all XXXX credit bureau with all the federal laws that they had violated

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 2023-04-14 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: GA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 - I tried to withdraw {$100.00} in {$1.00} and {$5.00} bills from the ATM of the Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX. The ATM did not give me the cash or a receipt. Immediately I filed a complaint over the phone. They gave me a temporary credit while investigating. 

On XX/XX/2023, without completing the investigation, the credit was reversed. And I called again, they say the investigation is in progress, and the branch has not responded. 

On XX/XX/2023, I went to the branch in person, after waiting over 1 hour, the associate called the phone line from Chase and they said the investigation is still in progress and they will credit my balance again. 

As of today, XX/XX/2023, I have not received a credit and don't have a status about the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I have contacted XXXX XXXX about the late payments on my account. This happened around the beginning of covid-19 where I missed a payment and they reported it. By law, the payment was incurred due to the coronavirus outbreak and I was unable to make the past payment.

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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
on XXXX XXXX, saw a XXXX 2014 on sale for {$19000.00}. Made contact and person was representing his Aunt and directed us to XXXX and XXXX XXXX XXXX at XXXX. We communicated with the seller, XXXX and decided to purchase she had turned the sale over to XXXX XXXX at that time we were directed to wire transfer {>= $1,000,000} from our bank XXXX to Wells Fargo to the account as follows : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I got a copy of my credit report and asked the Transunion and XXXX to do an investigation to make sure everything was complete accurate according to 15 USC 1681i. 

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; Transunion is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.

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