vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TX

Complaint narrative:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an 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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capitol One : Breach of Contract and Racial Discrimination. 

I submitted my identity documents on 11 separate occasions. I waited the 7-10 business days and heard nothing. 

I called and they first denied I sent them anything, then I recited the case numbers I had and they said that case is closed and I have to start over. 

Excuse me!? I uploaded front and back of my ID on XX/XX/XXXX. I called on XX/XX/XXXX ; well within the 7-10 business days! 

That's a breach of contract! 

But that case is " closed ''!? I also mailed copies, including yet another full color set on Wednesday, XX/XX/XXXX. I have sent several. 

Again, I was still well within the 7-10 businesses days for review. A review that has not happened and now I'm told will not happen since I called and effectively started the verification process over again by doing so! 

So, if I inquire about this again within the next few days, they will cancel on case and start the clock on another, and possibly give me XXXX answers within the 7-10 business days. Do you see the circular pattern of illegality occuring here? 

So while I was APPROVED of a {$10000.00} credit limit, they are refusing to release it claiming everything from " fraud '' to " we can't read your id '', then it was " your license is expired '', now it's " we didn't receive anything '' and " we have to start the verification process over again '' to me AND are refusing to allow me to see my credit score, and they are clearly using discriminatory business practices as part of the process. 

On another note : XXXX XXXX XXXX approved me for a loan USING THE VERY SAME ID PICS I SENT TO CAPITAL ONE! This process took only four days start to finish. I have even paid off my current Capital One credit cards with this loan I was approved for, using the aforementioned ID! 

I have sent my ID PICS as jpegs, fax, and in the mail. REPEATEDLY. 

Capitol One 's computer system will NOT allow me to send a CLEAR front pic ; the file would be too large. I told them this 6 times and in writing. And they still insist I use this method, even as they IGNORE the other methods, like mailing copies, that they suggest for me to do, and I have done. 

Again, Capitol One is engaged in flagrant XXXX discrimination and breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: OH

Complaint narrative:
In XXXX of XXXX the courts here in Ohio granted me ownership of the property at XXXX XXXX XXXX XXXX Ohio through a divorce decree and was to take ownership starting XX/XX/XXXX after rental tenants have moved, Upon moving in i reached out to Midland mortgage to get the necessary items and information needed to make this court ordered transaction smooth. They continuedly changed the terms of what i needed verbally only ( nothing in writing ) on what is needed. they have changed the information needed and even changed the mortgage amount from XXXX XXXX without any letter to me explaining the change amount. which is illegal, It has been over 1 year now since these things started and all the correspondence from them I have sent in at least twice including the divorce decree and assumptions paperwork and all county transfers from XXXX XXXX which I am a employee. The tactics that Midland Mortgage have been using are a violation of ethics and a violation of my rights .Practices like that should not be happening in XXXX. I sent in six ( 6 ) payments from my bank account and now this is not enough. If you read the TWO ( 2 ) correspondence they all state just 6 payments from my checking account, That's what i was given and that's what I followed, now I'm tired and my family continues to disrupted by these unethical practices. I challenge Midland Mortgage to show me any correspondence other than what i provided where i have not fulfilled their obligations. 

This has continued to disrupt my children and there well being with the tactics used by Midland Mortgage. This must stop now

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

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 2022-08-28 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: CA

Complaint narrative:
Equifax continues to show a report in existence, but no data in it is accessible to consumer, other reporting agencies, creditors or anyone else. No security freezes, locks, or other such restrictions are in place. 

Company 's response consists solely of stated bewilderment, with no attempts to correct, in defiance of authority of CFPB and US government. 

My access to Equifax is thru XXXX, and they can not access the data needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Our home was impacted by a tornado on XX/XX/XXXX. I communicated with my mortgage company about the house being damaged and was instructed by the insurance company who was repairing the home not pay the mortgage since we werent going to be living at our home. 

Each time I received a letter I would reach out to them to let them know the same thing. I kept in constant communication with Caliber, we were placed at a hotel while they found a house for us, I mentioned my husband vehicle was crushed by a tree that landed on it. 
It wasnt until the end of XXXX when I received a pink notice on being behind that when I was told by an agent we could pay what was owed. I tried paying it at the end of XXXX since we had just paid out deductible if {$6500.00} we couldnt pay all of it. When I spoke to another agent I was told something different. 

In XXXX when I called again I was told our home was now in foreclosure status with a sale date of XX/XX/XXXX and the only thing we we could do is submit metigation application and so we did. 
Every document I sent something was missing, I was appointed a SPOC single point of contact however I spoke to different agent each time. My husband is considered a business owner and everything I submitted was always missing something. My husband drives someone 18 wheeler and the owner of the truck did a letter, submitted pictures of the checks, tax records for XXXX, XXXX. We didnt do our XXXX since all of our belongings were packed out out of house. 

This was not going anywhere so I finally and asked what we could do to correct this issue thats when I was told I could pay to reinstate what is owed. 

I also called HUD to advocate for us however, I always trouble getting ahold of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an 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 2022-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: NM

Complaint narrative:
Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX of this year, my daughter 's ( XXXX XXXX ) checking account was hacked. We were notified via an email from Wells Fargo. For the record, I have full access to my daughter 's accounts and can act on her behalf. 

XXXX transactions occurred within moments of each other : XXXX. A check for {$1800.00} was deposited into her account. 
XXXX. A XXXX transaction for the amount of {$1000.00} to an unknown recipient was done. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the attempted, fraudulent check deposit. They concluded that the deposit was unauthorized and the amount of the deposit was debited without charges or losses to XXXX. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the {$1000.00} XXXX transaction concluding that it was made through a secure online banking session. 

It flies in the face of logic that the XXXX transactions occurred within moments each other ; XXXX is deemed unauthorized and the other is deemed authorized. This is hardly surprising as Wells Fargo had multiple data breaches to include a data breach on XX/XX/XXXX where vast amounts of customers ' data was compromised. 

Since this time. We have contacted the Wells Fargo claims department in an attempt to reopen the claim. It is apparent that the people that receive that calls merely follow a script. Thusly, we had requested to speak to management. On XXXX occasion, we had scheduled a time and day to have manager call us. The date and time came to pass without them calling. Another attempt resulted in speaking to a manager, XXXX XXXX [ ( XXXX ) XXXX ]. He told us that he would reopen the claim and that it would take 72 hours. Equally, he stated that he would then contact us within the 72 hour timeframe. Additionally, he gave me his direct phone number. Nothing happened. I have made several attempts to reach XXXX XXXX and left several messages. 

It seems obvious that Wells Fargo has found method of mitigating financials losses due to their poor cybersecurity by declaring only those that would result in financial loss to them are authorized by the customer. Those that cost them nothing are deemed unauthorized.

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 2022-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
HAVE STARTED MODIFICATION PROCESS SINCE XXXX!!!!!!!!!!!!! HAVE FAXED PAPERWORK, EXTENSION FORMS, XXXX XXXX XXXX XXXX! HAD TO CHANGE FOR THE 2 YEARS SEE ENCLOSED NOW TELLING ME WRONG???? WENT EXACTLY ON 1099S! THIS IS THE 20TH TIME I HAVE FIXED! ONLY NEED 3 MONTHS P & L WHY AM I SENDING 2 YEARS??????????????? AM AN XXXX AMERICAN VETERAN NOW THIS IS DISCRIMINATION! 5 MONTHS AND STILL KEEP ASKING FOR PAPERWORK! TALKED TO MY COUSIN AND OTHERS HE HAS HELPED AND SAID NEVER DOES ANY OTHER MORTGAGE BANK OR SERVICING COMPANY NEED THAT! WELLSFARGO DID SAME THING TO ANOTHER CUSTOMER AND IS XXXX AMERICAN! WELLSFARGO IS THE WORST BANK, HAVE PROOF OF SO MANY FAXES BUT CANT SCAN ALL OF THEM! IF NOT RESOLVED GOING ON SOCIAL MEDIA TO SHOW EVERYTHING! THIS IS DISCRIMINATION! TALKED TO VA ALREADY SAID WOULD APPROVED!

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 2022-08-28 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: PA

Complaint narrative:
Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; Experian, XXXX and XXXX all are resellers of my consumer report without my written permission Experian, XXXX and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed XXXX None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Collection # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Collection # XXXX XXXX XXXX  Acct Number XXXX XX/XX/2022 # XXXX XXXX XXXXXXXX Acct Number XXXX XX/XX/2022 # XXXX  Acct Number XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted TransUnion Credit Bureau about unauthorized inquiries on my credit report and requested that they be removed on the basis that they were fraudulent. I was told they could not help me, without a XXXX report. I want these inquiries removed immediately. 
XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021

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 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX I disputed inaccuracies, I came across my credit report from XXXX, and Transunion XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( XXXX ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have opened a credit card with Milestone MasterCard issued by The XXXX XXXX XXXX and serviced by Genesis FS Card Services. I opened the account XX/XX/2022 and closed it on XX/XX/2022. I made XXXX purchases totaling {$45.00} and there is XXXX fraud charge of {$220.00}. The current balance due is {$170.00}. I havent even had the account opened a month and they refuse and wont refund me any of the annual fee. How is it fair that I charged only {$45.00} to the account and then I have to pay thier fees in addition. THIS COMPANY IS A JOKE, THEY STEAL FROM YOU, THEY LIE, AND DECIEPT YOU. THEY ARE THE BIGGEST SCAM OUT THERE. I will pay back {$45.00} that i used. But i am not paying back {$120.00} annual fee to an account i closed less then 30 days ago. I closed it because the rep misinformed me and lied to me and said that my fraud charge made would not be adjusted for 60 days and that i would have to make do with {$100.00} available thats left on the card. They sent me a new card ending in XXXX. I have yet to recieve it. I asked to have the card reinstated and they wont re-open it. So why should i have to pay {$120.00} for annual fee on {$45.00} and a card not open for not even a month. This is pure inconsiderate and intent of harm done to a customer. It would be different if the account was remained opened or re-opened. But im not paying {$120.00}. I will contact a lawyer if they try to turn the {$120.00} in on my credit and send my account to collections. I will file a lawsuit. If they try and tarnish my credit score of a XXXX +, I will pursue them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purposes

Company response to consumer: Closed with explanation