vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I believe Mortgage Research Center, XXXX Veterans United Home Loans, in particular the Underwriter ( s ), has sought to arbitrarily deny my loan by utilizing disparate treatment. 

Disparate treatment happens when a lender treats an applicant differently based on one of the protected characteristics ( such as race or gender ). This type of discrimination can be obvious and blatant, or it can be subtle. The lender does not issue an actual denial, but disparate treatment creates barriers, making borrowing more difficult. For example, let 's say Bank A requires evidence of one month of verified income for a mortgage. XXXX, a XXXX mortgage applicant, must provide more extensive income documents than XXXX, a non-disabled person, in a similar situation. Proving disparate treatment does not require showing that the lender was motivated by prejudice. It only requires that the lender did not have a nondiscriminatory justification for the difference in treatment. 

Veterans United Home Loans required I sell my home and provide a Closing Disclosure in order to be issued a Clear to Close. After the home was sold, the Final Disclosure was sent. The lender then required I provide payoff quotes from XXXX of my lenders that do not provide payoff quotes. This is a concern because my debts were prevalent when I applied for financing and I was pre approved on XXXX separate occasions, with the second pre approval resulting in me being approved for {$500000.00}. 

It appears the Underwriter ( s ) at this company do not wish to approve my loan but are unable to deny it with legal justification. Instead, it has sought to cause unnecessary requirements and delays by disparately treating my loan request with unreasonable and unattainable barriers to approval. 

Had this company simply denied my loan request before pre approving me for {$500000.00}, I would not have sold my home and would not be homeless in the middle of a Chicago winter. This behavior is unprofessional and egregious and as a veteran of the United States, I demand fair and equitable treatment. 

I request an investigation into the business practices of Veterans United Home Loans.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WA

Complaint narrative:
Hello, Im contacting you regarding chime bank. ( online only bank ) I have an account there. 
I have not had a deposit in over two years but I have never made a withdraw, transfer, payment or otherwise. I have also never close the account. 
Periodically I get on the app and check it. I tried to get online recently and it said I do not have an account. 
I tried repeatedly and received the same message, so I sent an email to chime support. 
The following day I received a email stating someone would respond to me in XXXX hours., I sent another more detailed email stating that I have not touched the account. 
I received another email stating I should hear back from them in about XXXX days or so. 
I attempted to make a local police report, but was told that there is nothing local enforcement can do.The bank will handle it with their internal system. 
Being in somewhat of a panic about the situation I started scrubbing through all of my emails to see if they had written me regarding anything pertaining to my account. I did not find anything from them but inadvertently found XXXX letters XXXXXXXXsent in 2020 about a lawsuit regarding Chime. 
XXXX versus chime The paper stated that I was one of the people Who could claim benefit due to issues with Chime. This is the first time that Ive ever seen this mail. The other was 1 year later from the same sender stating that because I neglected to contact, I was no longer eligible for any proceeds incurred during the suit. 
I do realize these are XXXX separate matters, but I am hoping for advice and direction regarding both. 
Thank you so much for your help and your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
AS OF XX/XX/2022 - EXPERIAN CONTINUES TO DENY ANY ACCESS TO A LIVE TELEPHONE AGENT BASED IN THE USA - AT THE NUMBERS GIVEN TO BE CONTACTED TO THE CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

EXPERIAN HAS A ROBO-BLOCKER ON THEIR NUMBER AND GIVE THE BOILER PLATE REASON AS STATED BELOW ON THE NOTED ACCOUNT THAT HAS BEEN DELETED FROM MY CREDIT REPORT FILE AS OF XXXX. 

EXPERIAN HAS SHOWN IT ITENDS TO VIOLATE MY FCRA AND FDCPA RIGHTS. I WILL BEGIN INTENSE AND AGRESSIVE LITIGATION AGAINST EXPERIAN - TO PROTECT MY CREDIT HEALTH AND EXPOSE THE ACTIONS OF EXPERIAN TO THE COURT TO RECIEVE FINANCIAL RELIEF. WHILE IT SEEMS THAT NOTIFICATION TO THE CFPB WOULD HAVE A POSITIVE EFFECT - THE LACK OF ENFORECEMENT OF THE FCRA AND FDCPA IN MY CASE HAS GIVEN ME NO OTHER OPTION THAT TO PURSUE AGRESSIVE LITIGATION AGAINST EXPERIAN FOR THEIR CONTINUED MIS-REPORTING AND VALIDATION OF PREDATORY LENDERS- WHO ARE THE DELETED DATA FURNISHERS. 

BECAUSE EXPERIAN HAS EXHAUSTED THEIR TIMEFRAME WITH ME- THIS NOTICE AND COMPLAINT TO THE CFPB SHALL SERVE AS PROOF ( EVIDENCE ) IN MY LITIGATION PROCEEDINGS AGAINST EXPERIAN TO RECIEVE RELIEF FROM THEIR ABUSIVE CREDIT REPORTING PRACTICES REGARDING CONSUMER DISPUTES. 

THANK YOU. 

XXXX XXXX XXXX - CLAIMANT - 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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have a crypto trading account on the Binance.US platform. 
Yesterday ( XX/XX/2022 ), I received an email from Binance.US informing me that they mistakenly distributed the wrong amount of the XXXX XXXX to my account on XX/XX/XXXX, giving me XXXX XXXX instead of an unspecified lower amount that they should have sent. 

Binance.US informed me that they need to withdraw the excess ( estimated at about XXXX XXXX ) from my account to correct their XX/XX/XXXX error, and told me that all trading and withdrawals on my account would be disabled until they make that withdrawal. The message provided no estimate of how long this might take. 

Unfortunately, in the more than one month between their error and them notifying me of the error, I sold the crypto coin in question and as a result no longer have enough XXXX in the account to cover their intended withdrawal. My account was frozen anyhow, along with over {$14000.00} in USD and other assets that I have there. 

I immediately attempted to contact Binance.US customer service for instructions and/or an estimate on the duration of the suspension, but was only able to submit a ticket requesting a contact by their support team. I submitted that request with full details of the issue, but as of today XX/XX/2022, I have not received any response whatsoever from Binance.US. As a result, I remain unable to trade on the account or access the funds that I have stored there, and have no idea when I'll be able to access my money.

TL : DR : Binance.US made an error in depositing $ XXXX {$60.00} worth of excess XXXX to my account on XX/XX/XXXX. They froze my account until they can withdraw the excess coins resulting from their error, but due to them not notifying me of their error for over a full month the account no longer has enough of that specific coin to cover their intended withdrawal. My account valued at over {$14000.00} USD remains completely locked and my funds inaccessible to me, but they have provided no additional instructions, estimated date of resolution, or any response whatsoever to my customer support inquiries. 

As a result, I risk substantial additional financial damage due to my complete inability to access the account during a period of high market volatility. 
The poor service and communication displayed by Binance.US is completely unacceptable for any financial institution or trading platform, and more than 24 hours after contacting Binance.US about the matter I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In XX/XX/XXXX contacted Wells Fargo to setup payment plan arrangements with them for my current ( not past due ) closed XXXX  XXXX card that was closed in XX/XX/XXXX while I was having technical and other issues and was locked out of my account. 
A week later my oldest XXXX  credit card was closed because I made payment arrangements with these people, which makes absolutely no sense. That account was also current and not past due. 
This will reduce my overall available credit and adversely affect my credit score and I absolutely did nothing to deserve this outcome! I was being a responsible and diligent customer and they close another account. HOW XXXX  IS THAT!?

Even more atrocious is the fact that they didn't even put the outstanding balance of the newly closed credit card account on a payment plan since it was closed due to the payment plan arrangements I made for the other card. This is some of the most backward and almost malicious thinking and practices that I have ever heard of! 
WHY WOULD THEY DO THAT!?!? 

They are refusing to open the account citing the false excuse that it was not closed due to bank error when it absolutely was because they didn't state what the logic of doing so was and both accounts were in current and good standing. This was absolutely a bank error! 

XXXX  card XXXX Unrelated illogically closed card 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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: GA

Complaint narrative:
This debt is a collections account that was placed on my credit file. It is from Phoenix Recovery Group on XX/XX/2021 for the amount of {$1500.00}. The original creditor is XXXX XXXX. This account is not mine and I have no knowledge of this account. I have never had any business dealing with Phoenix Recovery Group or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OH

Complaint narrative:
Today Trans Union dropped my credit score XXXX points today for paying off over {$2000.00} in debt. Really!!!! 
XXXX XXXX needs to get a handle on Trans Union and XXXX. As a matter of fact I have paid off more than {$20000.00} in debt in the last 3 months and my score keeps dropping. Even was denied a loan because of these XXXX groups in XXXX. 
XXXX XXXX needs them to report correctly. 
They are quick to lower your score and take months to raise it after a mistake. 
Clean up your business! 
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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Trying to pull up my business report from Experian and they are reporting incorrect information. Far as my business address and business name I tried to fix this problem but Experian will not update your business credit report unless you pay {$180.00} to update for them reporting incorrect information. My business legal name is XXXX XXXX XXXX DBA : XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX location is XXXX XXXX XXXX XXXX va XXXX Experian has my business listed as XXXX XXXX XXXX XXXX XXXX XXXX  va

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My account was closed with out me being properly notified. I didnt receive a email nor mail that my account was closed. I called capital one to solve the issue. I was told that they couldnt open my account back up. By law protecting the customer using the far reporting credit act I should be properly notified any changes to my account. I should be notified in 21 days.which I was not. I am enrolled into paperless documentation and I dont have emails being sent to my email to any changes to my account. As of today I still get statements about my account still being open. Now I have a late payment reporting to my account as well from this. Im in the middle of buying a house and these are red flags for me. This shouldnt be a fight due their negligence from capital one sadly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: AVANTE
State: TX

Complaint narrative:
AVANTE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: MO

Complaint narrative:
Received a letter from Revco solutions in attempt to collect a debt for a XXXX  ( utility ) ( letter was dated XX/XX/XXXX ) but I received it XX/XX/XXXX. I called XXXX and verified that account was for an address that I never lived at ( or owned property in that city ). I asked XXXX representative to contact their billing department and report the error. I sent Revco a letter ( with proof of receipt ) stating that I do not owe the debt in question. I asked them to provide proof of the bill. I got the signed proof of delivery back from the letter. I then received another collection statement ( offering a 30 % discount ) on the debt that I do not owe. ( with no additional documentation ) Letter is dated XX/XX/XXXX. Revco Solutions is the company sending these letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Hello this is XXXX XXXX. 
I am a Wells Fargo Customer since XXXX. 

I am sorry to write again but I have left emails and voices mails for two Wells Fargo executive employees for the last seven days and no response. 

I was dealing with XXXX XXXX and XXXX XXXX. 

XXXX XXXX was passing me over to do more mediation and I called him seeing if I could have my representative on the call when we meditate. XXXX  passed me over to the fraud department and XXXX My call to XXXX was about the home equity loan that was part of my last mediation. XXXX XXXX who was mediation for XXXX said he did not know what was the correct process to apply for home equity loan. 
His words it is not a process I am familiar with. He is your mediator and does not know the process? I spoke to the fraud department XX/XX/XXXX the lady said it was not necessary XXXX employees that process a credit card application in my name. Also she told me to go back to the branch and speake to the manager or the associates and see if they knew who might have applied for a credit card with my information. Is this a real representation of your employees to tell a customer to return the the XXXX location after seven years and see if they knew anything. Half of the associates are probably not around anymore plus they would think I am delusional. 
I want to speak to management at XXXX that can help me. 

Respectfully, 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 2022-02-11 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I'm am not XXXX XXXX XXXX I am not affiliated with 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 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
numerous calls XXXX received 6 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 5 calls from Navient at XXXX no voice mails left, no one talked when answered. found out the calls were from Navient after doing a reverse number lookup.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OH

Complaint narrative:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation