vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We responded to an ad on craigslist for a rental house at the address above. We set up an appointment with someone named XXXX XXXX XXXX to go look at it at XXXX on Monday, XX/XX/XXXX. When we arrived, he wasn't there and was told to set up an account on rently.com in order to access the key inside a lock box to view the house. 

We wanted to go ahead with the rental and that's when XXXX said we needed to XXXX him the deposit of {$1200.00} to take it off the market. We thought he was sending us paperwork in the meantime, but he wasn't. There was a limit of {$500.00}, so that's what we sent. We told him no more money until we have a contract signed. XXXX wanted us to send the rest of the money via XXXX, but XXXX would not allow us to send more the same day. He sent us the application finally. 
When we noticed the application did not match any of the information associated with the listing, we left and went straight to Wells Fargo as XXXX continued to call us. We demanded our money back, he said we had to finish our application. We did not send back any application. He sent us the application form via XXXX. The subject of the email said, XXXX XXXX. 

At Wells Fargo, they said the only way to resolve this was over the phone, unfortunately. We immediately called Wells Fargo and XXXX ( through WF ). After multiple transfers, we finally filed an investigation claim with the Online Fraud department of Wells Fargo with XXXX. ( XX/XX/XXXX ) I even tried to request a payment back from XXXX via XXXX XXXX XX/XX/XXXX XXXX and it was immediately denied. 
Next we called XXXX PD and they never picked up the phone. We even called XXXX PD and were transferred back to XXXX PD and they never picked up. ( XX/XX/XXXX ) I followed up with WF 5 days later ( XX/XX/XXXX ) and they said they could not retrieve the funds from the recipient 's account as of today. Because of that, there was nothing else they could do. If they had tried when we initially called on XX/XX/XXXX, they probably could have retrieved the funds. They just chose not to. 

Now we are out {$500.00} and still do not have a place to move to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title.

The title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. 
My original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. 

If this does not get resolved I will loose out on {$140000.00} and a happier retirement! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Contacted Equifax on XX/XX/21 spoke with XXXX. He gave me case # XXXX in regards to me not being able to file online dispute thru Equifax website as it states I have disputes already pending. I have no disputes pending. XXXX stated I would be emailed 48 to 72 hours on the results and with the issue fixed. As of XX/XX/21 no email from Equifax. I called Equifax on XX/XX/21 spoke to XXXX and explained my situation and gave XXXX the case # and she said she could not help with the case # and Equifax does not give time frames and issues from Equifax web site and placed me on hold in which I was disconnected. In both phone calls both representatives were rude and condescending and did not want to help. I asked XXXX to speak to a manager in which she stated she is as high up as I was going to get. When I informed XXXX I would contact the Consumer Financial Protection Bereau she laugh and said go ahead they cant do anything. I find this type of service I received beyond words and feel as a consumer I have rights to be able to go and dispute what is not accurate in my credit report per the Fair Credit Reporting Act. I feel as though I have not been treated fairly by Equifax representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One credit card changed my utilization credit reporting date from the XXXX to the XXXX without properly notifying me of this change. I usually pay my balance off by the XXXX of the month so when my utilization is reported on the XXXX it would reflect a XXXX balance. This has been my practice since I had the card these past 4 years. XX/XX/2021, I paid my credit card to a XXXX balance so it would be reported paid on the XXXX. Well. I then charged my card on the XXXX and Capital One reported it to the credit repositories and my score dropped 30 points! I called customer service to fix this problem and they refused. The supervisor kept repeating herself stating that they reported correctly so no changes can be made. I kept telling her that the issue is you reported it on the XXXX instead of the XXXX which caused me this issue but nonetheless. She refused to help me. I am sure they are getting multiple complaints like this from their customers. They claimed they sent me an email advising me of the change but I never received it. Everybody knows that email communication is not always guaranteed to go through. I could have had server issues, etc that day. Bottom line is. I was never advised of such a change to my utilization and for this I want my credit corrected. I worked too hard to restore my credit just for an incompetent company to ruin it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
I have repeatedly contacted Avant with the information concerning fraud, charges even for the same company went on new card that I havent even used, and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Diverse Funding Associates LLC
State: PA

Complaint narrative:
On XX/XX/2020 a collection letter was sent to me by DNF ASSOCIATES add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, DNF ASSOCIATES LLC has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XXXX XXXX Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sent me to collections on an amount that my insurance was late paying. My insurance did pay. XXXX XXXX XXXX  took that amount and applied it to other billings. Ones it was not for. Now I have a collection agency calling my " Progressive Management ''. on billings my insurance has paid, I have given proof of this,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 I saw an ad of a person selling a XXXX for XXXX dollars. After getting in contact with the person I was told to send them a total of XXXX dollars via XXXX. And after they received the payment Id receive a message with the shipping details. Since I bank with chase XXXX is something I am comfortable with since I thought theyd step in if something happened. But after the sent the money the seller stopped answering my messages and wont answer my calls. So since it finally clicked that this was a scam I tried to call chase to see if I could get my money back. But to my surprise chase told me that they couldnt do anything since XXXX is a 3rd party company and I should try contacting XXXX. So when I contacted XXXX XXXX was told that I would have to dispute it with my bank. When I recalled the bank I was finally told that chase themselves couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I got a replacement card for my XXXX credit card in XX/XX/2021. In XX/XX/2021, Experian reported that my XXXX credit account is closed under settlement, and because of that wrong updation, they dropped my credit score by 113 points. 

I raised a dispute on XX/XX/XXXX and got it resolved on XX/XX/XXXX in my favor, reversing my credit score drop. XXXX confirmed to me that they never reported a settlement. 

Again, on XX/XX/XXXX, Experian reported that the same credit card is closed under settlement and dropped my credit score by 103. I'm trying to contact Experian since then but seems that they will open their doors to receive a complaint only if I take some membership from them. What a pathetic way to upsell their products? 

I tried to raise a dispute online but their website says a dispute for this account can not be filed online. I tried to call the phone number the website asked me to call to file the dispute. 

However, the automated system doesn't connect me to a representative to file a dispute. Whenever I select an option that is not related to membership, the automated system suggests using their website and disconnects the call. 

I contacted XXXX and they said they didn't report a settlement and I have to contact Experian. Seems the only way to contact Experian is by taking a membership. I would have spent more than 10hours trying to resolve this from the start. Now, Experian is using tricks to make me pay for a mistake of their own. 

I'm trying to take a loan for the past 2-3 months, but because of Experian 's mistakes and unwillingness to help, I couldn't take loan ( I don't want to take a loan at exorbitant interest rates )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XX/XX/XXXXthat Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet Capital One continues to charge a high monthly interest rate on both charge card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MI

Complaint narrative:
Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XXXX XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XXXX  XXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XXXX XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet XXXX XXXX continues to charge a high monthly interest rate on both charge card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HomeLight, Inc.
State: CO

Complaint narrative:
We closed on our home on XX/XX/2021 with EAVE, dba Homelight Home Loans. They subsequently sold our loan to XXXX XXXX approximately one month later. 

On XX/XX/2021 EAVE, dba Homelight Home Loans pulled an unauthorized credit report on my wife and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
I contacted Transunion and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful.

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