vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX. I paid off the balance with Affirm and sent in all the paperwork stating that it was paid off. They sent the balance to a different company XXXX who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I paid my XXXX XXXX XXXX card in full on XX/XX/XXXX. 
On XX/XX/XXXX, I was charged a {$2.00} interest charge in XXXX was charged a {$14.00} late fee for the {$2.00} fee, which I was not aware of. XXXX XXXX XXXX reported my account 30 days late, which had been in good standing and completely paid in full in XXXX. I have had the account since XXXX and have never been late ; I immediately contacted them and paid the fee once I was aware of this on my credit report. They replied and apologized for the misunderstanding and agreed to remove the 30-day late report on all three credit bureaus reports. I submitted a dispute with Experian, and they said they investigated but then went on to close the dispute and leave my account with a thirty-day late report for XXXX. Had they done their due diligence, they would have received a confirmation of resolution from XXXX XXXX XXXX stating that the account was actually not late. But they closed the dispute in error. This has affected my credit by XXXX points for a 30-day late report, and my credit went from XXXX to XXXX! I have submitted the support letter from XXXX XXXX XXXX, which states that it was a mistake and will correct and report to all three bureaus ; however, XXXX refuses to acknowledge my letter. I feel discriminated against and mistreated. I am asking that my account be corrected to reflect no late payment in XXXX and add the points to my report accordingly. 
This is the message I sent to XXXX XXXX XXXX, and attached is their reply to me : To whom it may concern, please consider removing my late payment from my credit report. 
In XXXX, I paid off my balance in full. I was charged XXXX for interest. I was unaware of this charge ; therefore did not pay it on time. It was reported as a late payment. I have never paid my bill late and always paid more than the minimum. This late reporting has affected my exceptional payment history, and I would appreciate your consideration of the matter. This late was on XXXX of interest charged after being paid in full. Thank you. 
I would greatly appreciate assistance with this matter, I am a XXXX XXXX XXXX, and my credit is essential. 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 2021-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/21 my husband and I wanted to open a Home Depot credit card under his name only. The associate quickly asked if I wanted to be added as a contact on his Home Depot account, and I said sure, and gave her my name and phone number. This is the ONLY information I provided her with. My husband also confirmed later that this was all that was said in this quick exchange. I was made to believe that I was simply being added as an additional contact person to his Home Depot account. She did not in any way disclose that I would be a joint applicant on the credit card and that this would result in a credit check and being associated with the credit card, or I would have declined. How was I even added as an applicant from simply giving my name and phone number???

We just purchased a home and I was the primary applicant, so this additional credit check and new credit line opening under my name so soon after our home purchase made my credit score drop 37 points! We used this to purchase flooring and other supplies ( totaling {$2800.00} of our {$5000.00} credit limit ), so spending over half of the credit limit contributed to such a steep drop in my credit score. It literally shows on my credit report that the day this Home Depot credit card was opened is the day my credit dropped 37 points ( this was after it had already dropped a few points from our mortgage and is in no way associated with the home purchase ).

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX to update 3 collection accounts that were incorrectly showing balances. The debt was paid to the original creditor on XX/XX/XXXX. 

I contacted the collection agency on XX/XX/XXXX to find out why they were still reporting the balance to Experian as unpaid. I was informed that the accounts were reported to Experian as paid on XX/XX/XXXX and Experian never contacted them as part of the dispute investigation even though Experian updated the dispute as complete and reaffirmed the balance on my credit report. The 'last updated " date on the accounts show XX/XX/XXXX which is clearly after the dispute and after the balances were paid. 

The reported balance on each of the 3 accounts are as follows : {$480.00} {$500.00} {$1700.00} Experian never conducted an investigation as is my right under FCRA.

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 2021-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I XXXX XXXX, ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BMW OF XXXX ON XX/XX/2021. A CONSUMER CREDIT TRANSACTION IN WHICH A FINANCE CHARGE WAS INVOLVED 15 USC 1601 DEFINES A FINANCE CHARGE AS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. THE FINANCE CHARGE DOES NOT INCLUDE CASH BUT BMW OF XXXX TOOK CASH. THE FINANCE CHARG ALSO IS SUPPOSE TO INCLUDE INSURANCE BUT BMW OF XXXX MADE ME PURCHASE INSURANCE SEPARATELY. BMW OF XXXX WILLFULLY AND KNOWINGLY FAILED TO PROVIDE/DISCLOSE INFORMATION REQUIRED UNDER THE PROVISIONS OF 15 USC 1601. 

THEY ARE NOW CIVILLY AND CRIMINALLY LIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. 

STILL NO PAPERWORK WITH MY SIGNATURE ON IT HAS SENT TO ME AS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/2021 I called and made a payment on my delinquent account and set up auto pay for that same amount of {$79.00} to be charged on XX/XX/2021. I made a phone call when I noticed the auto deduct had not been taken from my account and was told it was approved and due to deduct {$79.00} from my bank account. Today XX/XX/XXXX my bank account shows {$350.00} deducted. They have repeatedly told me there is nothing that they can do other than send me a check for the difference in the next 7-15 business days. I told them I lost my job due to covid and was struggling and this is why my payment was approved for less than my minimum. Now both my checking and savings account are negative and Im hit with an additional {$30.00} overdraft fee on each account. I dont get paid for another 5 days and I was supposed to grocery shop today. I have to pay a babysitter so I can even make it to work. They said its not their fault and to call collections after being on the phone with 5-6 different people in the 2 hours of being on the phone and they are submitting a request for a supervisor to call me back. All in the meanwhile between my XX/XX/XXXX payment and auto pay set up, I have been emailed 3 times and have had calls and voicemails every single day regarding this debt. Anytime I pick up the phone and speak with someone trying to collect debts that are paid and on auto pay they look up the information and see that they have no reason to be calling, but yet I still get a phone call every single day.

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 monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My original home loan started off with XXXX XXXX for a monthly payment of XXXX a month, but my loan was bought by Rushmore Loan Management service from XXXX XXXX and my notes have been going up every since then. Rushmore has been charging me for late fees when I am not late, charging me for escrow, and was charging me for home insurance when I already have a home insurance policy. Rushmore here recently made my banks checking account go into NSF because they decided to take out more then the required amount of funds for my note instead of XXXX dollars they tried to take out XXXX dollars which made me XXXX in the hole, now there saying the payment for XXXX was not received which I know it was because I have a email conformation. As for as charging me for home insurance they had to refund me back for that but I do not see where they did in my balance, I have email correspondence between Rushmore and myself for proof of this fraudulent behaver.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/21. 2 Refunds issued to Bank of America for my account. Issue my account was closed. Bank will not help me. XXXX XXXX XXXX has asked that I get documentation from the bank on two transactions to show that Bank of America returned the funds to carnival. Bank of America wont even run the transaction numbers all I get is were sorry. For your issues you will have to deal with XXXX and all I get from XXXX is contact the bank. Im at wits end. And dont know where to go. I just need something from the bank that shows they returned the transactions. Please help

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 2021-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has continually lowballed my credit score, XXXX and XXXX have my XXXX score the same equatory to rate as XXXX, XXXX, yet Equifax which has exactly the same listed as XXXX???? 

Please have them correct and upgrade my score, my XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: IL

Complaint narrative:
This is XXXX XXXX XXXX contacting you about multiple violations of my consumers rights done by you. 

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion, Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I am the co-applicant of a vehicle purchased. The applicant filed Chapter XXXX Bankruptcy. My issue is : 1. ) I have been refused any statements 2. ) I can not review online records of the loan activity ; therefore, I am unable to confirm or determine the validity of their financial records 3. ) payments are being reported on my credit bureau that are not 30days delinquent based on the terms of the loan.

4. ) Credit reporting on information that is not available Is this not a direct violation of Chapter XXXX Bankruptcy automatic stay? If not, it is a violation of my consumer rights to have information readily accessible. 
Per FCRA " Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based upon your 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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
After receiving dozens of offers from Amex, our business decided to apply for Amex Platinum with " no limit '', and we got approved. Since the begining, the process has been terrible. Initially, checking the spending power, the Amex website showed up to XXXX but the card got blocked as soon as the balance reached XXXX. Its been 2 months dealing with this for a business that is processing XXXX in sales so far in 2021, and growing. After discussing endlessly and using other cards, payments were made and neither Amex Platinum nor Blue cards are overdue. This morning, I check the spending power and it was approved for XXXX however, when I tried to pay my vendor, it got denied and I got an email from Amex that the card that has " no limit '', has a limit now of XXXX. Given current balance is at XXXX ( knowing XXXX is due XX/XX/XXXX ONLY ), now this credit card has a negative balance of XXXX per its new reduced limit. Even worse, if I make any payment from now till XX/XX/XXXX, it does not free the credit so to use for other purchases like any other normal card does. Amex is playing with our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Back in XXXX Comenity Bank made several calls to my daughter. I wrote them and asked them to only call my phone and correspond with me. On XX/XX/XXXX they wrote back and stated they could speak to anyone regarding my account when it was delinquent. They have continued to call family members several times per week and refuse to stop contacting my family. They have also harassed my daughter, told her what an awful person I am, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
On XX/XX/2021. I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: PA

Complaint narrative:
XXXX and XXXX Credit Bureaus are reporting inaccurate information on COLLINS ASSET GROUP with an Account Number of XXXX, Opened last XX/XX/2017 and a Balance of {$4900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I have been trying to work with my mortgage company for over 9 months now and after multiple pleads for help they give me the worst possible plan that I can get. They gave me a forbearance plan and not a loan modification. I had told them that my income was reduced and lost my job. My son is here trying to help us save our home but this plan that was provided does not make sense. How can they extended the loan term by 17 years and increase my mortgage payment. 

XXXX XXXX escalated my loan modification review over 20 times because their team delayed my review for over 9 months. It took them 10 months to get me a plan that is making it harder to keep my home. I need the underwriters, escalation managers and processors to take responsibility for their mistakes. XXXX had spoken to XXXX XXXX ( escalation manager ) and he advised that he would help but never did. We had to continuously follow up with him. He was never available to get an update on the escalation. Week after week my loan got further behind because they didn't want to help. 

XXXX, another escalation manager was supposed to give us a call back earlier this week with a breakdown of the plan but never did. These people don't care if people are losing their home. They just want to get you off the phone and move on to the next person. The less work they do, the better for them to not handle problems. We are here begging for help in our most vulnerable time and they are just taking advantage of people. 

They even tried to blame me, that it was my fault for delaying on documents when I was the one following up to make sure my review was even moving forward!

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Repeatedly have told this company trying to collect that this isnt my debt, they insist that it is. I need and want complete verification that this is my debt

Company response to consumer: Closed with explanation