vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom mortgage shouldnt be allowed to be licensed for mortgages. My mortgage was sold to them and I had no idea. They were never planned on sending a welcome email so I could create an account. I was forced to call to get my loan number. After attempting to make my payment, they fraudulently took funds from an account I did not authorize that was only kept the funds to be a member of a credit union. They never had that account number and I believe did it to cause a fee.

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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/22 Digitally submitted my brother-in-laws death certificate to XXXX XXXX XXXX. Per his will, I am his personal representative and he left his entire estate, specifically mentioning his Wells Fargo account, to a charity. 

XX/XX/22 Called XXXX XXXX XXXXXXXX. On hold 10 minutes. After about 20 minutes, the representative told me that Wells Fargo didnt have a form for this situation and I would need to go through probate. 

XX/XX/22 After researching Idaho small estates, filled out Small Estate Affidavit from XXXX XXXX website and had notarized. 

XX/XX/22 Called XXXX XXXX XXXX. On hold 10 minutes. Representative had me email Affidavit and will. She then indicated the affidavit did not meet all of WFs criteria as it did not specify the bank account nor include an under penalty of perjury statement. She further indicated that legal still might not accept the affidavit since I was not the charity. 

I asked to have the WF affidavit form emailed to me. It did not immediately arrive but the representative thought it had probably gone to an external email queue. 

XX/XX/22 Email never arrived. Called XXXX XXXX XXXX. On hold 17 minutes. Representative told me the form had been sent via USPS, not email. 

XX/XX/22 Form has still not arrived in either format.

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 2022-10-18 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: FL

Complaint narrative:
Accounts status is inaccurate or should not be there and should be deleted XXXX XXXX XXXX XXXX show charge off XXXX XXXX XXXX XXXXXXXX show charge off XXXX XXXXXXXX remove status comment XXXX XXXX XXXXXXXX remove status comment XXXX  XXXX remove the status {$3.00}, XXXX written off. 
XXXX XXXX XXXXXXXX remove the status {$4.00}, XXXX written off. 
XXXX remove the status {$4.00}, XXXX written off.

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 2022-10-18 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: NJ

Complaint narrative:
Hello I have a secured credit card from XXXX XXXX XXXX XXXX XXXX  ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXXXXXX 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current. 
My credit age now is XXXX months and account balance is XXXX  also.

I would like to ask to correct this information 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 non-monetary relief
Consumer complaint received 2022-10-18 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: NJ

Complaint narrative:
Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current.

My credit age now is 0 months and account balance is XXXX  also. 
I would like to ask to correct this information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: LA

Complaint narrative:
On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The original creditor is XXXX XXXX XXXX, which sold the account to LVNV Funding. I was successfully sued by the creditor as the creditor filed a lawsuit in a jurisdiction where I do not live using an address where I do not reside. According to 15 U.S.C. 1692i, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM GETTING NOTICES THAT EQUIFAX HAS SOME NEGATIVE INFO ON ME FOR PAST DUE PAYMENTS FOR AN ADDITIONAL XXXX  XXXX XXXX ACCOUNT WHICH I NEVER OPENED. THIS INFO IS SHOWING UP WITH EQUIFAX BUT NOT WITH XXXX I WOULD LIKE THIS REMOVED. 
THE ACCOUNT ENDS IN XXXX AND HAS A XXXX CREDIT LIMIT AND PAST DUE AMOUNT OF {$140.00} DOLLARS WHICH I NEVER OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: IL

Complaint narrative:
In accordance with the Fair Credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This bank charged me 7 fees because they " decide '' how and when to post your money and allocate funds. I deposited enough CASH ( which should be available instantly according to their XXXX  ) to cover my overdraft charges. I figured since I covered them all that if I overdrafted again I would get ONE charge so I made one charge. Well they didn't post the cash and they didn't apply it and left everything pending and charged me 7 overdraft fees @ XXXX each because they did the overdraft fees in batches ( one at 4 OD fees @ XXXX and then another for 3 for {$100.00} ) even though I had enough cash to in there to cover everything but ONE. They did refund four but refuse to refund two more and I refuse to pay the {$170.00} I owe them now, I told them I would accept ONE OD fee for {$35.00} and pay {$100.00} or whatever it comes out to be from my one XXXX dollar charge but they said since they waived 4 they wont waive any more then tried to upsell me a account with maintenance fees. I REFUSE TO PAY THIS BANK ONE CENT, I WANT THE ACCOUNT CLOSED and at this point i will ONLY pay the amount I owe without *ANY* fees attached or I won't pay one cent at all and they can keep tacking fees on while the account is stagnet until they close it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My business account was closed for no reason by bank of america. Unfortunately that was the only business account I had. My business went to a total halt and all my funds were inaccessible. 2 weeks later they send me a check in my business name which I cant cash or deposit because I have no other accounts in my business name. I call them to rewrite the check to me personally and they said they cant write another check until 120 days ( 4 months ). So basically they are going to illegally hold my money for 4 months is what they are basically saying.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NY

Complaint narrative:
Me and my wife both applied for chime roughly about three years ago why she kept her account active I decided to not activate or use my account XX/XX/XXXX my wife went to family dollar general to deposit XXXX on what she thought was her card to pay the light bill but it was my card she end up taking out the home it wasn't to she got home to pay the bill online she realized the card was mine and not hers so we called chime they explained I had to go through the email link to my chime account explain the situation send pic of front and back card and the recipt they also explain to me the account was suspended and card lock so they needed the receipt to make sure the deposit was issue on the card and someone will reach me in two hours it's been five days and I called several times to be told it went from one department to another and I will be getting a email shorty today the XXXX the they told me they must first investigate why wld a deposit go through on a lock card from they end before they proceed in taken any action of resending my money I stress to them because of the incident our lights was turn off for not paying we need have a special needs child it's very important we get the deposit back and I ask several times if a card is lock how can it work one way how can it accept but can't take off and why do I have to wait for them to solve the error before they handle the situation at hand of getting me my funds back rather it's a check sent or any other alternative because I'm still not interested in keeping it wanting to be a chime member especially after how they handling this current situation I was email on the XXXX the I will be getting a email from them in two hours that never happened I've just been getting the run around I email and I keep getting the same response for five days now than they telling me they didn't receive my ticket until XX/XX/XXXX which is not true this has been going on since Friday XX/XX/XXXX early mid day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balanced Owed : {$23000.00}

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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
Call at least 4-5 times a day/ i notified them on XX/XX/XXXX that this was a business phone and they continue to call at the same frequency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA

Complaint narrative:
I applied for a loan to refinance my rental property with ACC Mortgage in XXXX, GA. While going through the loan processing, the lender ordered an appraisal from XXXX XXXX and XXXX XXXX. The assigned XXXX called For appointment to inspect the property on XX/XX/22. Three days later, the appraisal report was completed and turn in to the lender. I spoke to the Loan Officer, XXXX XXXX who told me the property value came in very low and he was surprised because prior to ordering the appraisal he had check the comps. 
In the area and according to the recent sales the estimated value for the property shouldnt come in between {$300000.00} to {$320000.00}. However, to his Surprise the appraised value came in at {$180000.00}. I was shock and surprise because my loan application request was for {$220000.00}. The value of my property was grossly devaluated and I told him that I wanted to challenge the appraisal which was my rights. He agreed and the lender send 4-5 current comps with higher sales prices to the appraiser for reconsideration of value. To the lenders and my surprise, the appraiser refused to use any of the five comps submitted By the lender and didnt make any changes to the value, which was devastating to me. He also refused to complete an additional form 1007 required by the Lender to verify the current rents in the area. I believe this appraiser was very Bias and XXXX and this was a typical case of discrimination in real estate appraising. Because the property is in a predominately minority area, own by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tenants living in it. Unfortunately for me the lender had to denied my loan application for the reason Stated : INADEQUATE COLLARERAL, VALUE IS NOT SUFFICIENT. I had to get another and applied for a new loan in order to get another appraisal, which I did, A new appraisal was completed on XX/XX/22, with an appraised value of {$270000.00}. 
I am attaching and uploading both appraisals to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX  XXXX. XXXX, IA XXXX XX/XX/XXXX This is to complain against the Coinbase URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Coinbase. 
To clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts objectively and comprehensively. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 

General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.

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