vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
I have extended my credit to Southeast Mortgage for a Mortgage Consumer Credit XXXX  on XX/XX/2022 with XXXX XXXX. I informed XXXX  that I hoped they was not providing generic contracts as they are to have adequate disclosure pursuant to Federal Law. Pursuant to 15 USC CH 41 doesnt define a loan nor a borrower so neither can I and I have informed XXXX XXXX the same. XXXX has provided me with a Uniform Loan Application and my name as the Borrower. 

Southeast Mortgage are coercing me into paying for a down payment/closing cost but Financing is involved which includes the sum of all charges which violates 12 CFR 1026.4. Next, they are denying me my rights as a consumer of extending my credit to them and creating a false and deceptive loan form under XXXX XXXX XXXX which is for the lender and not the consumer which violates 12 CFR 1002 -Regulation B, ECOA. I asked Southeast Mortgage General Counsel XXXX XXXX, CEO XXXX XXXX, and Vice President XXXX. XXXX to provide me with a typed consumer credit transaction form and make it clear that I am extending my credit where there will be no security interest, no lien, and no down payment necessary as stated in Federal Law and CFR Regulations. I asked if Southeast Mortgage operated under The Truth in Lending Act and they proceeded to say that they operated under regulations but not FEDERAL LAW. I can name more violations on how Southeast Mortgage is violating multiple Federal Laws but all I asked for as a consumer for a fair and equitable mortgage consumer credit transaction. 

The CEO XXXX XXXX did not protect me as a consumer who has Consumer training of 11 years within his biography on southeastmortgage.com which is false representation of oneself. I also informed them that I have a right to exercise who I am under Consumer Credit Protection Act-Federal Law and if they chose to do anything other than what I am asking then you are in violation of discrimination, as a courtesy please refer to 15 USC 1691 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I opened an account with XXXX in 2018 wich was a general credit card. I never had an issue with the creditor. I made payments on time and as agreed. My account was sold to XXXX XXXX  when the creditor closed. Since then, I have experienced nothing but illegal fees in my account, although payments have been paid. When I have asked about fees being added to my account I have been told that I am being charged fees for not paying on the due date and by this this, not paying late but I have been illegally charged fees for paying the card 'earlier than the due date '. 

I have tried on several occasionas to gain clarity and have always been given the run around.I need immediate assistance with this. I am planning to hire an attorney to get control of the account and have the illegal fees charged on the account returned. I have exceptioal credit and I only pay the fees to avoid having my crdit ruined by this company. I am being scammed and taken complete advantage of by this company. 

I have bank records showing all payments made on the account since it was purchased from XXXX. I am asking that my monies illegally charged be credited to my account or returned in the form of a check payment rom the company and that I receive no further illegal charges for paying my account monthly bill earlier than the due date. 

I have always had a monthly payments for tis account that are generally around $ 90- $ 100 monthly for the due. However, in the last year, I have been charged anywhere rom $ 9- {$27.00} in fees some months for paying on the account earlier than the due date. 

I would like this resolved to avoid paying or an attorney, but I will if this isn't as I will not continue to be illegally charged fees on an account that I never had an issue with until this company purchased it.

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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I submitted an application to Fay Servicing as of XX/XX/XXXX for a Modification review, which they confirmed receiving it on XX/XX/XXXX. As of today, XX/XX/XXXX, they are stating they can not review the application due to not having enough time because of the upcoming Sale Date for XX/XX/XXXX. Based on my research, and what is noted on their application, it states the full application needs to be submitted by the XXXX day of the Foreclosure sale. If we count 37 days, that would put me at XX/XX/XXXX, which is still more than enough time for review. There was a previous application that I submitted which resulted in a denial on XX/XX/XXXX due to insufficient income, however they did not take into consideration my Social Security income. In this new application I made sure to circle all my deposits and provide the Award Letter. Please, I do not want to lose my home and they refuse to assist me. Please help! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX number 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 604 A 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 2023-01-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number 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 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It XXXX Concern : On XX/XX/XXXX for some reason I have a late payment recorded on my credit from Wells Fargo bank. I tried to remove it and the costumer service lady stated that it will be removed. XXXX XXXX XXXX XXXX  with XXXX  I asked my friend to take care of my bills. I am not sure what must of happened for some reason my payment did not go through. Same thing occurred again in XX/XX/XXXX. I am not sure why both of this times my payments have not been posted. I called Wells Fargo the lady stated that it will be removed as a first time curtesy. I am trying to purchase a house for the first time and its really affecting my credit score. I am asking for Wells Fargo to please remove this two late payments from my credit report. It's been very difficult two years after recovering from XXXX and losing so many family members. 

Thank you,

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was in the process of applying for a credit card through XXXX for a XXXX XXXX XXXX. I keep a freeze on my credit report until access is needed. To this end, on XX/XX/XXXX, I attempted to temporarily lift the freeze at XXXX, XXXX and Equifax. I successfully lifted the XXXX and XXXX freezes with no problem. However, I was not able to lift the Equifax freeze & the website prompted me to call XXXX. When I called, I was told it was a problem with the information given, I was asked to respond to a text to send my driver 's license. My information was allegedly updated and I was told to try again, later. I tried numerous times and called the aforementioned number several times. Each time I spoke to a different person and none of them seemed to have the notes from the previous calls. I spent nearly over XXXX hours on the phone and was never told when the problem would be corrected. I was given different complaint numbers and received no phone up calls or email acknowledgement of the calls and complaint. I tried once again to unfreeze my account XX/XX/XXXX and was still unable to lift the freeze and given the same phone number. I established an XX/XX/XXXXand need a credit card forXX/XX/XXXX This has been a barrier. I did receive XXXX different confirmation / case number during my calls : Confirmation # XXXX/ and a case number XXXX from XXXX who said the previous number was an old number. I also spoke to someone named XXXX he gave me his badge numberXX/XX/XXXX ; XXXX XXXX. XXXX. 

I really need to get this sorted out and your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number 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 604 A 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 2023-01-04 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: MI

Complaint narrative:
i am a consumer by law and my information was misused and now i have this account reporting without my consent, unauthorized use of 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
My account was abruptly closed without notice. I've reached out to the company multiple times with no responses as to why my account was closed. Also, they will not tell me anything about the balance of money I had in my account at the time they closed my account. 
This account was closed on XX/XX/2022. There was potentially {$150.00} in my account when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent letter on XXXXXXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to Experian and 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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
To whom it may concern, I am writing this complaint against the XXXX XXXX XXXX XXXX and I Q Data International Inc., referring to a debt charged to me, including a debt collection in my name. 
I point out the facts below : 1. I had an apartment rental contract with the XXXX XXXX XXXX XXXX beginning on XX/XX/2022 and ending on XX/XX/2022, i.e. a sixty days ( 2 months ) lease term, as per the attachment XXXX XXXX XXXX XXXX, which I filled and pay in full until the ending date. 
2. Furthmore, I gave to the XXXX XXXX XXXX XXXX a written Non-Renew Lease notice XXXX XXXX ( XXXX ) days in advance, as per the attachment Non-Renewal Advanced Notice.pdf. 
3. After I left the apartment, I started to receive some phone calls from the XXXX XXXX XXXX XXXX and I Q International Data as well as e-mails and a letter charging me a debt, which I do not recognize. Please refer to the attachment Letter from XXXX. 
4. I answered them that a sixty days notice in advance for a non-renewal communication is impracticable, Not Possible, Impossible, because the contract is a XXXX days lease. 
Reading the contract, these 60 days notice in advance would be considered as an early termination, which also makes no sense. 
I also stated to them the guidance depicted in XXXX  XXXX XXXX, which points that a XXXX days notice in advance would be enough. 
Please refer to the attachments Letter to Gardens Page XXXX ; Letter to Gardens Page XXXX ; Letter to Gardens Proof of Delivery.pdf and Georgia XXXX handobook.pdf. 
5. They never listened to me, and further put my name in collection, which is jeopardizing a lot my financial life. 

I kindly ask the CFPB to contact the XXXX XXXX XXXX XXXX as well as I Q Data International an appropriate behavior and actions, as well as to remove my name immediately from the collection status. 

Many thanks in advance, With Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Please see attached complaint which includes my identity verification documents, FTC Identity Theft Report, and Copy of Most Recent ChexSystems 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 2023-01-04 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: DataMax Corporation
State: NC

Complaint narrative:
This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hold a BANK OF AMERICA EDD debit card and they are the trustee. 
XXXX XXXX California. Location of Bank of America Needed to cash a XXXX check written from a BANK OF AMERICA customer. They charged me XXXX XXXX to cash check stating that my edd account was not a BANK OF AMERICA. I showed them my BANK OF AMERICA CARD. They still charged the fee and cashier refused to provide a receipt showing the amount paid for the check cashing. She prompted me to go to the bank manager and she refused to provide a receipt stating that it wasnt required. 
I stated as a bank customer I was required to file proper tax returns. They stated that they were not required to provide any receipt to a non-bank customer. They openly admitted to Bank of America is discriminating against XXXX customers who hold XXXX  debit card and considers them to be non customers because of their account status. Tried to extort me into opening another bank account over to receive better service. XXXX  prohibits this type of discrimination.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: DISCOVER BANK
State: TX

Complaint narrative:
On Tuesday XX/XX/2022 my wallet was stolen from XXXX Texas and multiple transactions were made on multiple cards. All of my other companies ( XXXX, XXXX, XXXX XXXX ) reimbursed the transactions but recently when I was paying bills I noticed the {$600.00} transaction at XXXX XXXX Texas and the {$230.00} transaction at XXXX XXXX Texas were put back on my account. I called back Tuesday XX/XX/XXXX to understand why and the reason discover gave me was Ive already done business with those companies before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX, known as the California state 's Middle-Class Tax Refund. Issued by XXXX XXXX XXXX XXXX, XXXX Money Network. 
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Money Network. 
In California millions of California residents including me received a debit card from XXXX through Money Network. I am afraid to activate the card because many CA residents complaining, and it is in the news all over in California. Ch. XXXX XXXX. XXXX that when they activate the card there is no money on it. Another issue is for me and many California residents is privacy concerns. There is also the issue that you can't contact neither the Bank or the Money Network and speak to a live person to replace the debit card to a check. I tried to contact Money Network on the telephone on both numbers they provide on Money Network Website # XXXX and telephone # XXXX unfortunately no customer service. It is impossible to speak to a live person. Could the XXXX XXXX XXXX find out what are they hiding and why so many people after activating the debit cards find that there is no money on the debit card issued by Money Network?

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber Home Loans now owned by XXXX started and denied a home refinance with me. They did not provide a copy of the appraisal done on my home. I have try to get a copy and no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: WI

Complaint narrative:
In XXXX of XXXX  Capital One CBELA furnished information to my credit report. The company has violated more than 4 laws under the United States fair credit reporting act. Fifteen United States code 1681-B has been violated by the company furnishing information to my credit report for non permissible purposes. The company has also committed identity theft against me under United States codes 1681-C and 1681-C/2. Capital one CBELA has also violated my rights by breaking the following laws under Fifteen United States codes 1681-E, 1681-I, and 1681-S/2. Please remove this company 's name and any information they have furnished to my credit report from my credit report.

Company response to consumer: Closed with explanation