vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: DISCOVER BANK
State: GA

Complaint narrative:
The account was on automatic payment for almost 22yrs I lost my check book and account number changed in bank On XX/XX/XXXX the total balance amount paid in full {$130.00} On XX/XX/XXXX the bank returned payment and card company charge me {$29.00} fee On XX/XX/XXXX I had a call with the agent and requested to reversal {$29.00} as one time credit and she gave me the balance amount to be paid is {$130.00} I made the balance payment of {$130.00} and was thinking balance is XXXX and did not check the online statements but she never removed the amount and {$29.00} it was showing on my account for past 2 months as I was due Due to the agents wrong communication and miscommunication issues I'm suffering from credit rating loss and I worked very hard to bring my credit to good standing and always respect creditors money - and paid on time or before time Due to this minor communication issue the credit really damaged big time and I'm suffering from mental stress Please let me know how do I go by fixing this problem and request your good self to guide me Thanks a million

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint has been having my $ XXXX insurance claim check XXXX and it is now XX/XX/XXXX. Every few weeks they willl call me to tell me they need some form or a signature or an invoice, which I provide to them. Then they wait a few weeks and call me back telling me they need something else. We have been thru 3 hurricane 's, a flood and a freeze and feel we have been thru enough that I should not have to fight for my own money that my insurance company has paid. Roundpoint even came to my home to inspect that all the work was complete according to my summary of loss. The only thing left was 2 ac vents -- -that is cosmetic and was not on my insurance summary of loss. I feel as though they are stealing my money. I have been complying with their demands and they come up with new ones. I do not know what else to do and hope you can 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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Beginning XX/XX/21 through XX/XX/21 I had several aunauthorized transactions to a merchant called XXXX on my cashapp account which is serviced by square. On XX/XX/21 I contacted cashapp support and they filed a dispute on those transactions. I received a partial credit for a few of the transactions however there were still 31 transactions for {$99.00} each that I did not receive credit for. They then tell me in an email on XXXX that they will not be returning the remaining funds and they have no additional information and for me to reach out to the merchant. I explained I did attempt that however i never received a response. I emailed several more times asking why the dispute was denied and was never given a reply or a reason. I resubmitted the dispute on XX/XX/21 and was told I would receive an update in 10 business days. Today is the 10th business day and still I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Rocket Mortgage approved me of home loan for $ XXXX and provided me a offer letter than will expire XX/XX/XXXX. 
On XX/XX/XXXX, I requested to update the offer letter with the new address of the home I wanted to purchase and rocket mortgage unethically denied my approval and told me they ran my credit yet again and my score was lower than 3 mths ago. My score has now been pulled twice in3 mths, affected my score. 3 mths ago it was XXXX. 
XXXX from rocket mortgage asked me for another XXXX down and said it would be at a higher rate or I wouldnt be approved until my score went up ( although my offer letter hasnt expired yet ). 
There has been no delinquency changes to my credit report in the past 3mths to cause a drop. 
I feel Ive been discriminated against due to being single and a woman. I have great income ( XXXXXXXX plus per yr ) and credit. I also have the 20 percent down payment. 
I have now missed the opportunity to purchase this home. I feel rocket mortgage tried to get more profit from me as a potential customer by approving me and then when time was sensitive they made up excuses to raise profit margin or threaten to deny my loan, even with a existing offer letter. I have documents with all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax made it clear not to follow Metro-2 compliance guidelines. Never fully investigated my concerns. Accounts reappeared on my credit report after being removed in XXXX. 
Below is receipt of certified mail with proof of mailing letters send out past and present. 

Let remember I disputed with them over 6 times. So they had over XXXX plus to follow strict procedures. Now when accounts are removed and/or updates the bureaus must provide " carbon copy '' to their partners, affiliates, and other bureaus. This is part of Metro-2 Compliance so they should have this in their archive to show the accounts deleted. Plus any accounts I disputed in the past until now. 

Also Metro-2 compliance stated any errors on account must be delete. Let remember the creditors and bureaus must go through a compliance checklist for verification, validation process before reporting, and if you have multiply errors on my report, Equifax clearly did not investigate, but lied. Its CFPB to enforce the laws. 

Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Up to a few months ago, I had an AARP credit card with Chase bank for many years. I always paid my AARP card balance with a Chase checking account transfer. I was then notified by Chase that AARP was transferring its credit card business to XXXX XXXX. I did not want to open a XXXX XXXX  account so I disregarded notifications to do so. 
I then no longer had access to any of my Chase AARP credit card statements, nor any credit card history. It was wiped from my Chase account. 
Because I did not have a XXXX account, I had no access to my AARP credit card statements at XXXX. 
I received a letter from XXXX XXXX today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a XXXX account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee that I have had no access to. When I contacted AARP, I was told " This is a problem between you and Chase and XXXX. We can do nothing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 158 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have dispute all of the information Chrysler Capital has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that Chrysler Capital never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the Drive was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has street spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to Chrysler Capital will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am experiencing serious issues with Experian. They have not allowed a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  check time obtain rental history verification. XXXX XXXX XXXXXXXX XXXX phone number is XXXX. The application # is XXXX. The harassment from several Apartment rental companies is on going. XXXX XXXX is another agency that has information on their files under my name to prevent me from being able to rent property. This leasing company received this information from XXXX XXXX with XXXX XXXX  in XXXX VA. XXXX XXXX is the most racist person I have ever come in contact with besides the XXXX and XXXX XXXX XXXX XXXX I am and have experience many forms of harassment from the police since while living here in XXXX and XXXX XXXX VA. There goal has always been to keep me from jobs, employment, and speaking out against the wrong that they practice against me daily. My complaint is for now against XXXX XXXX and Experian. XXXX XXXX  information is not accurate because I have paid all I owe to XXXX XXXX. I was involved in a car accident that left me injured and I needed physical therapy. I was unable to work. I explained myself to the leasing consultant. I did receive a settlement from my attorneys and paid all that was owed. Experian is refusing to update fraud alert on credit report and or file. In order for me to have a place to live the company has to verify my Rental History. Please assist with this. Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I took out a personal loan from Sofi and set up an auto pay to avail of a 0.25 % reduction for all payments made using the Auto Payment feature. I was asked to submit a copy of a void check as part of the authorization process which I did on XXXX XXXX, 2021. The loan amount was disbursed last XXXX XXXX. 

Today, I received a notification from Sofi that my payment did not go through citing an incorrect routing number for my bank account and thus, my payment is not qualified for a 0.25 % reduction. I am actually reported delinquent in payment which made my credit score drop to XXXX from previous XXXX. 

The routing number in their system was completely different from the routing number on my check and the one I entered. I find this very disturbing because, first, I only possess one bank account and second, it would appear that I made up a routing number. 

I think this incident is deliberate to make consumer fall behind payments and/or guarantee for them not to get the discount on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I would like to know, why, in terms of credit score and credit report, a person who filed individual bankruptcy because of underwater mortage and the impossibility of financial options ( they were none according to the bank ), is treaty as equally as a person who filed individual bankrupcy because financial mishap. 

People who were collaterall damages in the economic downfall and de-regulation of lenders, are having such difficulties to buy another house. Why in credit reports does not say : underwater foreclosure. 

What can I do? What agency have address this issue and solution? Not even Consumer Finance have this topic 4 discussion as I looked ( see attachment ) Real Estate were not supposed to devaluated, let alone by 50 %, so what to do. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I AM INVOLVED NOW WITH WHAT APPEARS TO BE AN INTERNET DATING SCHEME WHERE I WAS FRIENDED BY A WOMAN WHO FELL IN LOVE WITH ME AND ENCOURAGED ME TO WIRE A LOT OF MONEY TOTALLING XXXX TO A XXXX LIKE SITE WHICH I THOUGHT TO BE XXXX  BUT IS NOT AND WHEN I ATTEMPTED TO GET MY MONEY BACK THEY WON ; T. I WIRED FROM THE BANK OF AMERICA WHO I HAVE BEEN WITH FOR 40 YEARS. EACH TIME OF 6 I WENT NO ONE EVER MENTIONED ANYTHING TO ME ABOUT POSSIBLE FRAUD, AND BECAUSE I WOULD HOPE THEY WOULD KNOW MORE THAN I DID, THEY WOULD HAVE AT LEAST ALETED ME ABOUT WHAT I WAS DOING AS I RELIED ON THEM TO KNOW MORE THAN I WOULD TO PROTECT ME. NO ONE EVER TOUGHT TO ASK ME BUT WHEN ANOTHER ACCOUNT WAS DEFRAUDED FOR XXXX THEY AUTOMATICALLY CLOSED THAT ACCOUNT WITHOUT EVEN TELLING ME. I HAVE ALL THE DETAILS AND WISH TO COMPLAIN TO TRY AND GET MY MONEY BACK.THE WEBSITE IS XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 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: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: GA

Complaint narrative:
I requested that my new student loan lender, Earnest, apply the extra {$50.00} a month my employer pays on my behalf towards my principal balance, and I was told that the only way that could be done is if my employer sends it on the same date my payment is processed. I cant control my employer sending this payment. The lender stated the following : Yes, it is legal. This is actually a very normal policy for most lending companies. The accrued interest on the loan needs to be paid first before the principal can be paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously disputed this account that someone obtain in my name asking to verify that this account belong to me. This company still have yet to do so I have made numerous complaint with information verifying my identity this company has yet the give me and information proving this account belong to me please help me. thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, but no response was ever received from them to date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank was running a promotion Open a TD Beyond Checking Earn {$300.00} Bonus. The Terms and Conditions for this promotion are attached. Although I met all the requirements stated in the Terms and Conditions, I did not receive the {$300.00} bonus. I have been contacting their customer service through messages and phone calls. The customer service admitted that I am qualified for the bonus, but they couldnt help me in this case since the bonus is managed by their marketing department. The excuse from the marketing department is that I got a bonus three years ago. However, that account was closed 3 years ago. It states clearly in the Terms and Conditions that the offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I received a phone call on XX/XX/2021 from Online Information Services who claim to represent XXXX XXXX. Online Information Services claim the debt I owe is in the amount of {$490.00}. The problem is I never acquired XXXX XXXX services  even when I did reside in XXXX Illinois. During my time in XXXX Illinois though I was at some point the victim of identity theft as I discovered someone had also used my personal information to acquire cable services to which I also disputed.

Company response to consumer: Closed with non-monetary relief