vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I was denied credit but under 12 CFR 1002 regulation B of Equal Credit Opportunity Act.I thought I cant be discriminate against under the following reasons that are described in that act. But I feel as if I was discriminated against. Under this law Im not supposed to be denied credit if a credit transaction took place. So now I am discouraged about applying for anything else. So I dont feel like I was protected during this credit transaction that took place. Also they used Consumer Reporting Bureau I have no knowledge of this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A Capital One Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called Capital One Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At Capital One Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of CAPITAL ONE Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent a request for validation of the following account and received a response with NO proof that you verified the debt. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

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 2021-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have been sending advanced principal payments to my Carrington mortgage services LLC, which recently began servicing my mortgage. Carrington refuses to apply the funds to my principal balance in the period they were received.

I have discussed the curtailment of my payments with a Carrington CSR that informs me that the payments will not be applied to my account until the curtailment balance is equal to the full monthly payment amount. I explained that this policy results in the paying of interest on a principal balance that is overstated by the amount to the advanced principal payments. Paying interest on monies that have already been paid. 

I believe this violates my consumer rights and several mortgage regulations. Paying interest on the overstated balance amounts to an advanced principal payment penalty. Also, raises other questions such as the interest dollars charged are greater that is spelled out in the loan agreement is the TIL no longer accurate? What if a client stops making the advance principal payments without reaching the amount required by Carrington to actually apply the payment to my principal balance? Do the funds just sit in Carrington 's account? Am I earning interest on my money in curtailment? Is Carrington?

Carrington Mortgage must be compelled to change its procedure to comply with applicable laws and regulations. Carrington mortgage should apply all payments to a customer 's account in the period that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX  Reported : XX/XX/XXXX{$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per 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 explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2021 When I log into experian to unfreeze my security to make a purchase I get bombarded with purchase options. The link to unfreeze has been removed. I contacted chat support just 5 minutes ago and was told to go to experian.com/freeze. It redirects me after logon to the same pages that keep throwing their sales tactics in my face. They should not be permitted to block my ability to protect my security. Even their staff can not help me find the path to unfreeze. I can purchase credit freeze and that will give me the option. I can see that I am supposed to have the free ability to unfreeze my security, but there is no link to do so. I need to purchase contact lenses and can not do it because this fraudulent company only cares about stealing money through worthless purchases, which I am not going to do. I want the ability to control my security. They have no right to take that control from me. 


| Chat Support Remember : To protect the private nature of your personal information, please do not share social security numbers, credit card numbers, etc. via chat. 

Please wait while we transfer your chat to the next available agent.XXXX  is your new agent for the chat session. 
XXXX XXXX, who do I have the pleasure of chatting with today? 

When I log into experien I should be able to freeze or unfreeze my credit. You have hidden or removed that option under an bunch of XXXX sales. 
XXXX XXXX XXXX Thank you, XXXX. I am sorry but what did you purchase, please? 
XXXX XXXX  XXXX XXXX on your site. I don't want anything this ripoff company has to offer. 
XXXX XXXX  I want to unfreeze my credit and that option does not seem to be available unless I purchase something and that is illegal. 
XXXX XXXX XXXX I do not see a purchase that you have made on our website and I understand how you feel but like all companies, we are offering free services as well as paid, it is always your choice. 
XXXX XXXX XXXX where is the credit unlock?????? 
XXXX XXXX  XXXX Security Freeze is for free members and CreditLock is for paid members, you have a Security Freeze. I understand you would like to remove your Security Freeze. In order to complete this request, you will need to go online to www.experian.com/freeze. For security reasons, I am unable to complete this request via chat. You will also need to contact XXXX and XXXX, if you have set it up with them. They can be reached at : XXXX XXXX XXXX XXXX Please copy and paste the link above into a new browser or TAB and select Remove or Lift a Security Freeze. It is Free. 

XXXX XXXX Me I am logged into experian, but the only options I have are to purchase 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 2021-11-06 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$780.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per 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 explanation
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After XXXX reversed two payments on my account that they told me were maturity fees after paying my loan off XX/XX/2021 they said would Now fix my credit from the fraudulent reporting. After dealing with this horrible situation i want to make sure this process is done i worked to hard just to be violated by companies like XXXX i want this process completed

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 2021-11-06 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: ProCollect, Inc.
State: FL

Complaint narrative:
To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report.

The amount that is reported I owe is inaccurate as it is reported. I request that you verify the information and remove the information from my credit report as quickly as possible. 
The items in question are : XXXX XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.

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 2021-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a Health Savings Account at BB & T ( now truist ) a couple years ago and have had a deposit into the account every two weeks. On XX/XX/21 the bank closed my account and turned the funds over to the XXXX XXXX They never sent me any notice and there were no messages in my online banking. When I called them they said it was a dormant account, I asked them how it was dormant when I had deposited money every two weeks for years, they said that since I hadn't made a withdrawal they closed it. I thought the point of a health savings account was to save money and then if you have a health problem you have money set aside to pay for it. They said I had to go through the state to reclaim my money.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2021, {$0.00}, LEXISNEXIS has obtain my public information and sold it to XXXX, XXXX and XXXX. XXXX, XXXX, and XXXX state on there website that they obtain from local, state, and federal courts THROUGH a third party VENDER, LEXISNEXIS. Without my permission, LEXISNEXIS purchased my information from XXXX and sold my information to XXXX, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that LEXISNEXIS did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I research XXXX and went on the website. In order to get my public records I had to pay a fee. Which means LEXISNEXIS had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, XXXX, XXXX, and XXXX clearly violated this laws, 15 U.S code 1681m. I was never notified Orally, in writting or by electronic NOTICE of the adverse action to my consumer credit reports. Another laws they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation 15 U.S code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My student federal loan was forgiven, and has not been taken off my report which is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I returned an XXXX XXXX lease at the beginning of 2019 and had settled out any debts owed under that lease. Since then the company XXXX XXXX has folded and sold the debt/accounts to XXXX XXXX XXXX XXXX which XXXX believe owns the collection service RPM http : //www.receivablesperformance.com. 
I had not heard anything about any amount owed over 2 years and was shocked to see a collections notice in my mailbox and started receiving harassing phone calls. When I spoke to a representative they claimed they had proof I owed this very suspicious amount. They are essentially trying to re-write the contract in their favor in order to pillage innocent people of their money. I have sent copies of my contract and info to them and they have not responded to those documents. They just sent me a list of charges that make no sense.

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have several grievances against Wells Fargo. One is Wells Fargo closed my account without any prior warning or notification. I learned the other day my account had been closed. Wells Fargos website mentions that Wells Fargo will warn customers prior to account closures. Wells Fargo said the account was over drawn {$8.00} but when I paid that over the phone Wells Fargo still would not re open the account. I believe Wells Fargo acted in bad faith because they gave no prior warning or notification at all. If the account was minus and at risk of being closed I should have got a courtesy notification at least. I also believe this may have been in retaliation for complaining about a negative experience I had at a Wells Fargo on XXXX XXXX in XXXX. I should add I believe I was subject to XXXX XXXX and reverse XXXX at the XXXX XXXX branch. It was like an all XXXX bank white no other XXXX customers. They even let someone cut in line in front of us and the customer service representative at the window was rude, the manager was also rude and they gave dirty looks and acted like they didnt want to serve me at all. It was more than about ID. I was the only XXXX customer at the branch trying to be served. They said they wouldnt let me access my account because my ID was expired supposedly but I was the only XXXX customer and the bank employees were cordial and polite to everyone else even if the customer had hardship. Wells Fargo closed my account and bad faith because I was never given prior warning or opportunity to address the negative balance. Im told now Wells Fargo wont reopen the account over the phone ( Wells Fargo does open accounts over the phone according to their website but Im being treated to a different standard again I suspect XXXX ( possibly XXXX XXXX because Im a senior citizen ) and retaliation over the prior negative experience at Wells Fargo ). I was a Wells Fargo customer for many years yet treated this way regardless. I believe I was poorly treated at the XXXX XXXX Wells Fargo in XXXX due to XXXX, XXXX and XXXX. I was not even treated like a customer at all. If you are XXXX and a senior citizen I cant recommend the XXXX XXXX in XXXX or central California due to reverse discrimination or double standard based on my experience.

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