vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, 2022, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Im a natural person Im a living human being I have rights under 15 usc 1681 Equifax os governed by 15 usc 1681 They violated my rights numerous times I demand the inquiries below be removed According to 15 usc 1681 I have rights that are being violated but equifax These inquiries were done without permissible purpose The companys do not have record of these inquiries please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a natural erson, I am living human being, I have rights under 15 USC 1681. 
Experian is govern by 1681, and they violated my rights numerous of times. I demand that accounts listed below be removed immeditaly XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$500.00} written off. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Account charged off. {$5400.00} written off. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$690.00} XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7300.00} Status Account charged off. {$7300.00} written off. {$7300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Account charged off. {$2900.00} written off. {$2900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$8100.00} written off. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$500.00} Status Collection account. {$5.00} According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these 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 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NM

Complaint narrative:
Today on XX/XX/22 mortgage servicer The Money Source provided me with a " goodbye letter '' notifying me that they will transfer servicing of my loan effective XX/XX/22. This is in violation of my rights under regulation 1024.33 Mortgage servicing transfers, in which a mortgage services is to provide me with 15 days notice about the transfer of servicing. XX/XX/22 is only 10 days from today, not 15, and I am afraid that I will not have enough time to set up payments with the new loan servicer prior to when my payment is due, XX/XX/22. 

In fact, The Money Source did not provide me with the goodbye letter at all, except that I had called their customer service line regarding an unrelated matter and they informed me that they could not help me due to transferring the servicing of my loan, when I asked for the information of who they were transferring to, they said to " XXXX it, '' and only after I called back 3 separate times to speak to a supervisor would they even send me the official " goodbye '' letter with the information of the new loan servicer. 

Regardless, The Money Source is still violating my rights in not providing me with the information of my new loan services 15 days in advance, as required under federal law. This violation of my rights is harming me as it causes undue stress and jeopardizes my ability to make on time payments for my mortgage, due to not having the information of the new mortgage loan services to make payments to. The Money Source should not be allowed to operate outside of federal laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
To Whom it may concern. 
I'm writing this because I was in a Forbearance and came off and resumed payments of {$1400.00} beginning XX/XX/2022. A modification was set up to off set back payments. I've been in contact with my mortgage company ( Freedom Mortgage ). I've been informed by my mortgage company that I'm delinquent. I'm so confused, because I've been making payments of {$1400.00} and my payments are {$1400.00} since XX/XX/2022. I just learned that I owe a balance of {$360.00} from the modification. My mortgage company never informed me of any balance I owed. I just kept receiving delinquent notices. I spoke with a representative on Saturday, XX/XX/2022. I asked her to informed me of each payment and how it was applied. We stopped at XX/XX/2022. This is when my account stsrted showing delinquent. I can not understand why this {$360.00} was not part of the modification. I informed my mortgage company each time they call I do not have any additional funds. I have received threatened calls and each representative seems to be confused. I answer every call, because I did nothing wrong, but pay more then my mortgage on time. My quality of life has been affected. I just put a roof on my home and I have flood and wind damage in my basement. Sharing this information makes me feel violated for simply doing the right thing. 

Thank you so much 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account with Capitol One Bank online. I made a typo in my Social Security Number. To correct this problem I was required to submit a W9 online. I did submit the W9 ; however, I went into the branch with my social security card, 1099, letters from Social Security and other tax forms but -- -despite asking me to bring these documents and come back with other documents -- -Capitol One has refused to allow me to access my accounts ; though my pay was directly deposited and thus I am unable to pay rent or other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, has 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

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 2022-08-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company has failed to provide me with an investigation result for over 60 days. However, I requested you to send me the result by mail to the address on my profile.

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I believe this is a fraudulent email that I get saying someone made a fraudulent charge to my account of XXXX and they say to call this number : XXXX to straighten this matter out otherwise I will be charged XXXX. Invoice # XXXX. I know this is a fraudulent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
AmeriHome was the servicer of our refinance in XX/XX/2021, and they told us our payments would be $ XXXX for a 20 year mortgage. One year later, after getting billed $ XXXX, we got a notice of an escrow shortage of over {$2000.00}. ( Not because tax increase or insurance increase ) They had been billing us the wrong amount, and we never would have signed off on the contract if they had told us how much the payments should have been from the start! I believe they gave us a low number to get us to sign with them, but of course I do not know the name of the agent who helped us. Additionally, our mortgage has since been transferred to another servicer. ( XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: AR

Complaint narrative:
Using Veterans United Home Loans for a VA loan on a home .... First I was 'required ' to provide a telework agreement because I work in a different zip code from the home I'm purchasing. I was told they don't normally disclose it to buyers that if I don't have a telework agreement then they add the mileage to my debt-to-income ratio and re-run my qualifications. Once I told them it would take 10-20 business days to get the telework agreement completed they CHANGED THE REQUIREMENT to only having to write a letter of explanation. I requested to get their supporting guidelines/ policies/ regulations in written form. They refused to provide them. 
I informed them that they are acting in Bad Faith by not disclosing these " requirements '' and the reasons for them. 
Since this was not initially disclosed to me there is nothing showing that I acknowledged this requirement BEFORE entering into contract with them. I researched the VA 's guidelines and found that this is a recommendation but that the VA does not define the " reasonable proximity ''. It is up to the lender and usually only done when the buyers debt-to-income ration is above 40 %. 
I've since been given a DIFFERENT reason for needing the documentation - because I mentioned that I would be teleworking ( albeit not 100 % ). 
Since this in NOT normally DISCLOSED TO THE borrower there is potentially thousands of other borrowers who were deceived and possibly even denied loans or charged higher interest rates due to whatever guideline or policy is being used to enforce this.

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 2022-08-17 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third party affiliates such as XXXX, XXXX, and XXXX. You have knowingly and willfully with held information that explained I, the consumer, can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was scammed on XXXX. I tried to rent an apartment and filled out the application. The scammer asked me to send them money via XXXX. I found out that it was a scam. I would like to get some level of protection like I do with a credit card. The back ideally should be able to track where the money went and reverse the transaction. Yes. I was a fool and got scammed but Ideally my bank should offer some level of protection. Any help you can provide would be much appreciated. This is a huge financial hardship for me and we should all work together to stop these scammers. I appreciate any help that you can provide. 

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. 

I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my XXXX XXXX CARD that I had saved in my PAYPAL ACCOUNT. 

I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About 2 weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to PAYPAL, and PAYPAL SHOULD HAVE RELEASED IT back to my XXXX XXXX card. 

I called Paypal they told me they sent it to XXXX XXXX, I assured them they did not because I never received the money back. 

I called XXXX XXXX and they told me they never received the money from Paypal. 

At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a 3 way call with both XXXX AND PAYPAL, and XXXX told PAYPAL SUPERVISOR LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX PAYPAL Told me they were going to find out where the money is, it is now been a month and a half later and every time I call them they tell me I need to call XXXX and at this point I am tired of this situation. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. 

The total I need to be refunded is {$1800.00} The PAYPAL CASE NUMBER IS AS FOLLOWS : XXXX The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The PAYPAL Ticket rush number XXXX that was supposedly escalated to get me my money back in 34 hours ) is as follows : XXXX Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with Nordstrom credit card services, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate issue. Ive still remained a loyal customer to this retailer despite all that has occurred.

Company response to consumer: Closed with explanation