vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Capital Recovery Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent to XXXX XXXX what he asked for a no doc loan application for a cash out refinance on a property my company, XXXX XXXX XXXX owns outright. I was then sent to sign up for my own portal in order to upload those same documents I had already submitted. In that portal was a request for my personal bank statements which was not expected. That was one of the first questions I had asked ; if I had to guarantee the loan. Asking for my personal bank statements when my personal guarantee was not required, per XXXX XXXX, seemed suspicious to me. I vocalized my concern with XXXX XXXX, the president of the company who had taken over my application. I emailed him how I felt about this, and about another requirement I had a problem with ; a blind credit card authorization for the appraisal charge. He called me to tell me that he would have the bank representative call me. When the bank representative called he said my personal bank statements were not necessary, and he also assured me he would call to tell me how much the appraisal would cost before the charge would be made. I sent in the authorization and after that heard nothing. 
I sent an email on XX/XX/XXXX and did not get a response. On XX/XX/2021, I sent another email and finally this time XXXX XXXX responded. He said he had decided not to do the loan because I was " rude ''. Because I questioned the blind authorization and responded with an email voicing my concerns about XXXX profiling for loans when this is a reality, I was " rude '' to him. But that is not even why I have a complaint. My complaint is that if he decided not to do the loan, he should have let me know instead of letting me wait all this time thinking he was considering the application. I could have applied elsewhere instead of waiting for an answer from First Capital XXXX. My complaint also has to do with the false information provided to me about not having to guarantee personally. Had they been transparent and told me I would have had to guarantee the loan personally I would not have proceeded with the application. My complaint is that he committed fraud when he requested more documents from me when he had no intention on doing the loan by then. My complaint is that I was discriminated against because I am both a female, and a minority. His decision not to do the loan is a result of discrimination, and not because I was " rude ''.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/21 Portfolio Recovery XXXX sent me a letter stating that they've validated the " ALLEGED DEBT '' regarding account number : XXXX. ONLY I as a consumer & natural person can VALIDATE the debt. They have listed that XXXX Bank is the original creditor, which is a lie. I am the ORIGINAL CREDITOR. Pursuant to XXXX XXXX XXXX, they didn't provide me with the XXXX things that constitutes validating a debt. Even thats NOT validation, it's just an allegation UNLESS I agree ( Which I DON'T ). It's impossible for Portfolio Recovery to tell me I owe a debt, THEY DON'T have the power to do so. I never gave XXXX bank permission to give Portfolio Recovery my information, which is FRAUD. They sent me a monthly statement which is NOT validation. I choose to exercise my right under XXXX ( C ) to refuse to pay. Also how is Portfolio Recovery a creditor?? They're listed as the current creditor on the letter they sent on XX/XX/21. According to the XXXX, The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. They're poor practices have made them one of the biggest collection agencies by preying on consumers not knowing their rights. I WON'T BE A victim. I know my rights as a consumer. Due to Portfolio Recovery, I've also been a victim of abusive & deceptive debt collection practices due to having to use cash for everything because my consumer/credit reports have been damaged. They need to DELETE this from my credit report, & ANY other companies they're reporting to IMMEDIATELY due to violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been denied access to a home mortgage loan more than once. Presently I rent a XXXXapartmentand have resided here for approximately 3 1/2 years. Due to the national pandemic, andfor the past two years my monthly rent amount has been stable {$1600.00} and my lease was extended. Currently my monthly rent is paid up to date, and my rent history has no delinquencies at this time. 
In XX/XX/2020 I was forced toresign from my employment of 15 years and qualified for some early retirement fixed pension income that equal a mere fraction of my previous income. I expect that I will return to the workplace very soon. 
My debt to ratio is very high. My credit score is over approximately 725.My daughter has income, approximately {$40000.00}. XXXX annually. My daughter 's credit score is approximately 500-600. 
I/We are seeking approval for availablegrants and a home mortgage loan in spite of these circumstances. We are acclimatedto paying rent and our other cost of living bills, as well.I would like to be giventhe same opportunities that are granted to the many XXXX XXXX XXXX and people ofother nationalities that migrate here to the United States and are provided variousgrants and loans designedspecifically for immigrants to reside in luxury beautiful homes here in the United States and primarily the state of Maryland. 
I can provide you with information that may be helpful while reviewing this request and my circumstances. I look forward to hearing from and talking with a Consumer Finance representative. Your attention to my concerns within this email is very much appreciated. 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 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I have made XXXX disputes on XX/XX/2021, and XX/XX/2021, with XXXX XXXX XXXX XXXX XXXX XXXX, IA This account is not mine, nor does this company have any contract or agreement with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
I, XXXX XXXX, a consumer, am submitting this complaint on my behalf, there is no third party involved. I logged on to review my Transunion credit report to find multiple inquiries that I did not authorize. I understand that federal law XXXX XXXX XXXX ( a ) states written consent is needed for these inquires to be furnished which there was none. No consent is identity theft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: LA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : XXXX. I've called XXXX several times and spoken with agents. 
XXXX. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main Comenity Bank in XXXX, to seek resolution. Customer Service told me in late XXXX, that the only method was to write the bank itself in Ohio. 
XXXX. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
XXXX. I filed a dispute with XXXX XXXX in mid XXXX and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a credit card account under my business through XXXX. They advertised XXXX in XXXX XXXX bonus miles if I spent XXXX in purchased within 4 Months. I spent this amount and never received the miles. I spoke with a rep of Citi today and they said it does not apply because I had previously received miles for another credit card. From reviewing their terms which is available through a small link under " Pricing & Information '' they have a section that says it is for new accounts only. This was a brand new account I was opening with a new credit card under a new business name that I have never had a citi card before.

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 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On Wednesday, XX/XX/XXXX I noticed that two payments had been taken out of my checking account by PNC Bank. I had only paid and submitted one payment with confirmation number. I called the PNC offices on Wednesday morning talked to one individual who said theyd put the money back in my checking account. They took the routing and check account number and she put me on hold. The total call was 58 minutes I was on hold for 45 minutes. While I waited about 30 minutes I called on my cell phone and another individual answered I told them I had been on hold for 45 minutes and I was done that I wanted to have this handled. 

This one at least explained something about a computer glitch where multiple people had multiple payments taken out. I was lucky apparently to just have two so she took the numbers and assured me the money would be put back in my account by Thursday morning. 

It is now Friday and no money. So I called again today- she informs me that the worker didnt hit the button to push it through. She does and tells me the money wont be in my account until the XXXX of XXXX. Which is unacceptable given their mistake and that it is a week before I get my money returned. Therefore making my accounts overdrawn, due to having other expenses already taken out and not budgeting for two car payments. I believe they are a complete fraud and have no intentions of returning the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I am unable to get requested details or have a clear conversation with this loan servicing company. I have requested to speak with a point of contact regarding the loan which is in foreclosure. 
I have asked for an escrow history and was told only 2018 was available.Yet, at the same time, I was told that escrow analysis is done annually, but because the loan is in litigation and so far in default, all that was available was 2018.I am expected to accept Carrington 's calculations and add on fees without question. 
I have requested a copy of the XXXX XXXX ( original loan holder ) settlement with the state of Illinois and was told by XXXX, XXXX ID XXXX ) that only my attorney could request such documents. However, to date Carrington continues to have the lawyer originally retained 4 years ago listed on the account. Numerous attempts have been made to update the file with the current and correct attorney to no avail. I was again told on XXXX, XXXX that a third party authorization was needed Yet, previous authorizations have never been updated. This company contradicts itself in every phone call and lacks transparency. Please see attached confirmation of my experiences from a certified HUD counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I the consumer XXXX usc XXXX ( a ) is on the do not call registry and avant- credit card services has continuously text me harassing me about a bill due, when all debt obligations are to the XXXX XXXX usc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery has called repeatedly on a daily basis for years. Ive asked them to stop. The calls continue- everyday no mater the time. This supposed debt was over 15 years ago. The harassment is constant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
I have submitted several disputes to the 3 credit reporting agencies Experian, XXXX, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I logged in to my online Bank of America account to make a credit card payment & discovered 2 fraudulent charges, both listed as 'ACH payment refund ' on XXXX XXXX in the amounts of {$3000.00} & {$2000.00}. I called my credit card customer service immediately to dispute the charges & they advised me to file reports with the police, the XXXX & XXXX XXXX as well as putting a fraud alert on my credit reports. They are currently investigating, but they said the return of my funds is not guaranteed & could take up to 3 months. 

I have no idea who the thief is or how they obtained my information. My drivers license was recently stolen, but I reported that to the police & the XXXX. They said they cancelled it & sent me a new one & that it would register as invalid if it were scanned anywhere.

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 2021-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
cooper is using Unfair, Deceptive, or Abusive Acts or Practices by stating they addressed the cease and desist XX/XX/XXXX from my " initial '' request XX/XX/2021 ( which is a lie because they have had this cease information on record for at least two year or more now because of other inaccuracies or blatant lies from which i then told them to only communicate electronically with me so there could be a record but they claimed I never said anything until XXXX of this year and EVEN STILL THEY VIOLATE and nothing going to be done. still waiting on my hemap loan and im within the waiting criteria for that and also i have a complaint with the banking and securities against mr cooper and they have time to play games on the phone so yet again this proves AGAIN they don't do what they say and mistakes are a EVERYDAY occurrence with this entity and this is affecting consumers lives and i been a witness first hand.

Company response to consumer: Closed with explanation