vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an inaccurate account on my credit report with Experian for XXXX. I have sent both the Experian and XXXX a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.

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 2023-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this inaccurate and unverifiable with Experian on numberal occasions and Experian continues to report this account # XXXX by XXXX XXXXXXXX XXXX On XX/XX/XXXX, Experian say they contacted the furnisher and the account is verified and accurate. How can this be when inaccurate and unverifiable things are still reporting wrong : Last Reported Dates inaccurate, XXXX and XXXX reporting inaccurate, Payment History inaccurate. In comments Experian reports account sold to XXXX, Question then, why XXXX not listed on consumer report. Why are you reporting 120 days late then CO, CO on XX/XX/XXXX and XX/XX/XXXX. I'm writing this dispute letter because you failed to legally verify this account. I may not be an attorney, but I'm aware that you can't just tell me what the creditor tells you and that you must actually furnish the documentation to prove that my claim of inaccuracy is incorrect. Section 609 states that you are required to furnish the documentation that I filled out when this account was opened and if you can't prove legal ownership, the accounts need to be removed. Continuing to report these accounts is a violation for false reporting. Once again, these are the accounts I am disputing and I need to see everything with my signature immediately.

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I have been trying to work with my lender XXXX ( XXXX ) about my PMI insurance. The company absolutely refuses to eliminate my PMI NO MATTER WHAT prior to the year XXXX. I currently owe XXXX on a home worth XXXX ( Their estimate ). 

Please let me know if there is anything that can be done, they are extremely rude about it. 

My cell is XXXX. 

XXXX XXXX XXXX ( XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XX/XX/XXXX, I RESPONDED TO AD IN MY EMAIL FROM CAPITAL ONE FOR A XXXX XXXX CREDIT CARD. THE OFFER HAD 3 COLUMNS WITH 3 PROMOS AND 3 APPLICATION TABS. I APPLIED FOR THE {$200.00} BONUS, {$500.00} SPEND WITH XXXX APR FOR 3 MONTHS. I RECEIVED ON XX/XX/XXXX LETTER- APPROVAL WITH {$3000.00} LINE AND XXXX CARD RATE. THERE WAS NO MENTION THAT THIS WAS NOT APPROVAL FOR THE CARD I APPLIED FOR. I RECEIVED A XXXX XXXX CARD ON XX/XX/XXXX AND ACTIVATED IT ON XX/XX/XXXX. WHEN I RECEIVED AND ACTIVATED THE CARD, I ASSUMED THAT I GOT THE PROMO APPLIED FOR. CAPITAL ONE SENT A CARD WITHOUT NOTICE THAT IT WAS NOT APPROVED FOR THE CARD PROMO APPLIED FOR. THEY JUST SWITCHED MY APPLICATION WITHOUT THE PROMO ( BAIT AND SWITCH ), A CARD WHICH I WOULD NEVER APPLY, WHICH HAD MONTHLY BALANCE DUE OR XXXX PERCENT XXXX. ON XX/XX/XXXX, I USED THE CARD SPENDING {$650.00} ( WHICH MET THE BONUS AND THE 15 MONTH XXXX INTEREST REQUIREMENT ). I RECEIVED MY MONTHLY STATEMENT ON XX/XX/XXXX AND FOUND THE BALANCE DUE AND INTEREST CHARGE CALCULATION SECTION DID NOT SHOW THE PROMO. I CALLED XXXX XXXX AND CUSTOMER SERVICE SAID NOTHING COULD BE DONE, THAT THE BANK RESERVED THE RIGHT TO SWITCH THE PROMO. CERTAINLY THE ACCEPTANCE SHOULD HAVE INDICATED FOR A DIFFERENT PROMO. ON XX/XX/XXXX, I HAD TO PAYOFF THE BALANCE WHEN DUE ( XXXX ) TO AVOID XXXX INTEREST RATE. I THINK THE BANK SHOULD RETURN MY PAYMENT LESS THE MINIMUM PAYMENTS THAT WOULD HAVE BEEN DUE IF THEY DID NOT BAIT AND SWITCH AND APPLY THE PROMO I APPLIED FOR. THIS REMINDS ME OF THE XXXX XXXX DEBACLE OF A FEW YEARS BACK - OPEN A CHECKING A/C AND THE REP ALSO OPENS A CREDIT CARD NOT APPLIED FOR. PAYMENT ADDRESS IS : CAPITAL ONE, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I APPRECIATE ANYTHING YOU CAN DO FOR ME AND ANYONE 'BAIT AND SWITCHED '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: LA

Complaint narrative:
Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report

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 2023-01-23 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: LA

Complaint narrative:
Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: LA

Complaint narrative:
XXXX XXXX XXXX is reporting XXXX confidential non public personal information. Consumer Law is dependent on privacy. Truth in Lending does not Include Transactions and Experiences between consumer and person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had some money coming out of my account and they was charging many overdraft charges. Other company hit the account and they would charge me through my accounts

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 2023-01-23 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: NY

Complaint narrative:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Over the past 2 years, Wells Fargo was withdrawing monthly fees from my account until it was completely depleted. It took me several phone conversations over multiple days to get the account shut down

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a personal credit card and was approved for it. When I tried to log into the personal account, I could see the account in the backround was my log on for the company account, I work for. I contacted capital one the following day as I did not want my work accounts associated with my personal account. After an hour and speaking with 4 different people who some said don't log into that account and another who removed my personal email from my personal account. It still could not be fixed, I went to the bank and was told after calling from the branch to the credit card services to wait 72 hours for the system to work though the issue. It is now Monday the XXXX and called Capital One from home and they again had me try to log into my business account and could not fix it. I canceled both credit cards I have on file for personal use with Capital One. Then I went to work, and a letter was sent to me regarding my account haveing not been used in years and they were going to close it. I assume this again was my PERSONAL account sent to my work address. There is NO reason why my personal accounts should be linked with credit card accounts I use at work for bookkeeping purposes only! 
One attached Doc shows my work email affiliated in background for sign on not my personal email which is where the link came to sign on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NM

Complaint narrative:
I recently purchased a XXXX XXXX XXXX from Carvana but have been unable to obtain possession of the vehicle. This purchase is financed through XXXX XXXX XXXX XXXX. This payment was received by Carvana on XX/XX/XXXX. A copy of the payment information was uploaded on XX/XX/XXXX as requested but no attempt was made to verify the funds. All obligations regarding this agreement have been fulfilled. The appointment to transfer possession of the vehicle is scheduled for XX/XX/XXXX. However, your customer service representatives have cancelled the appointment for delivery and are refusing to deliver the vehicle as agreed. The reason provided is that they are unable to verify the funds. Carvana has made no attempt to verify the funds with XXXX and the check has already been received with signature confirmation of delivery. The customer service department is also threatening to cancel my purchase as a result of their error. 

I have attempted to resolve this issue by phone with your customer service department but they simply hung up the phone and refused to speak with me. No reason was provided for this action. I reached out to your customer service representatives using the chat feature and they are refusing to make any attempt to verify the funds. The representative stated that I would need to place an order for a new purchase even though your organization has already received the payment for the existing order. They are also refusing to escalate the issue any further. 

Attached to this email is a detailed copy of the complaint and the XXXX  proof of delivery. I am also including a copy of the payment information from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: MI

Complaint narrative:
I have a mortgage with American internet mortgage ( AimLoan.com ). I was approved for the XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) in XX/XX/2022. The government program sent a payment of {$16000.00} to my mortgage company on XX/XX/2022. XXXX said it should take only 2-4weeks max for the payment to apply to my account and get my loan current. Its been almost four months and the payment has not been posted to my account. Ive called AimLoan at least 50 times trying to see where the payment is, and they keep telling me that they havent got it yet. XXXX said that the payment was received by AimLoan. Every time I call AimLoan, the representatives know nothing. I called at least 10 phone numbers, and each person I speak to, sends me to another department. They just dont know what theyre doing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: Grain Technology, Inc.
State: VA

Complaint narrative:
This company has reported XXXX missed payments on my credit report in XXXX. I have never been XXXX days late not even XXXX days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My husband and I tried to refinance our home with Wells Fargo starting in 2010 and they jerked us around & had opened a revolving credit account for {$15000.00} without our knowledge. We were trying to get a XXXX  year fixed mortgage and they just spun us around until we couldn't make the large interest only payment. We put our house up for sale and ended up selling it for {$740000.00} instead of the {>= $1,000,000} they had appraised it for. They kept bullying us every week and headed into foreclosure on XXXX. Our house is worth over {>= $1,000,000} now. 

I have just got the run around again today by calling the number you supplied, XXXX to verify that we are on the list of damaged customers. They sent me to XXXX different people and no one can help me. They say they only see that we had owned the house and the old address. 

It's still the same run around we got in XXXX  until we finally had to give in to the lion and sell our home to avoid them finalizing on a foreclosure. I have a bankers box full of letters and communications with ultimately no help. 

I have attached just a portion of the countless communications I tried to have with Wells Fargo.

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 2023-01-23 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: The Receivable Management Services LLC
State: NC

Complaint narrative:
To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to XXXX, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter

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 2023-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: LA

Complaint narrative:
The payments on this loan be came due when I was still in school full time for my XXXX XXXX. This was a private loan that I took out to complete a certification through the college of financial planning. Other than a piece of mail I received late, I was not called or otherwise notified that my loan payments were now due and by the time I received the mail it was 3 months too late. So in the process, my online access to pay or even view my account to keep track of it keeps getting locked or XXXX. I have called multiple times to try to reset it and it again gets XXXX. 
I have tried to refinance this loan along with my regular loans to no avail as they do not allow refinancing with my student loans. 
Once again, I get no call as of XX/XX/23 and only get a piece of mail that said I am in danger of default but yet I can not see the account to manage it. I call today and they try to reset my access. Also, I call and make a payment and notice it has gone up, I ask why and was told my rate has been increased but I was never informed it was going to increase. Plus now my credit report is damaged with late payments that I feel are not my fault due to their incompetance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
Transunion and XXXXXXXX XXXX SERVICES has intentionally, knowingly and XXXX XXXX me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of XXXX disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a XXXX  lack of due diligence on behalf of TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at XXXX and financially XXXX me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding XXXX XXXX and XXXX XXXX XXXX. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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 2023-01-23 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: DISCOVER BANK
State: LA

Complaint narrative:
XX/XX/XXXX I reached out to XXXX XXXXXXXX XXXX and discover about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector XXXX XXXX XXXX in XX/XX/2022. On XX/XX/XXXX I found a charge of {$1500.00} opened on XX/XX/2022 form a new discover card. lastly is a {$300.00} charge to a XXXX XXXX account that is now closed. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The discover accounts do have phone number and emails attached to them that have been told to me but have not been written down

Company response to consumer: Closed with non-monetary relief