vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I XX/XX/, I purchased my first home through Guaranteed Rate. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to XXXX XXXX XXXX from Guaranteed Rate. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX XXXX office, advising that my taxes have been past due since XXXX. I tried to call XXXX for information as to why this was happening. XXXX kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted XXXX once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to XXXX, they advised that when they received the loan from Guaranteed Rate, they mentioned there was no escrow balance transferred to them from GR. They mentioned that maybe GR had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both services as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage services was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage services. Neither XXXX nor Guaranteed Rate wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, Guaranteed Rate or XXXX financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
I need help getting my my car fix and the repair man advised me to take out a loan. and I only got XXXX now they want me to pay back XXXX .Now it is on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I created a dispute XX/XX/2017, under the assumption that the account was older than 7 years from the date opened. However, after the dispute, I learned that it's the date from the first delinquency which is XX/XX/2017. 

After completion of the dispute. United Auto Credit purposely supplied incorrect information, in the form of an update. United Auto Credit falsely reported update as the first date of delinquency being XX/XX/2017 ; whereas before it was documented as XX/XX/2017-which is also wrong. 

Also, United Auto Credit removed charge off status and updated it as open. The account has been closed since XX/XX/2017 ; aside from verbal confirmation, I also have emails confirming date of XX/XX/2017. 


I called and spoke with a supervisor by the name of XXXX, who advised was not United Auto Credits ' fault, and that it was XXXX fault. XXXX mentioned a Metro 2 file? and its accuracy, and that it is totally XXXX fault. 

I called XXXX, who advised was not inputted wrong ; and was actually the response from the creditor. It was the creditor who supplied the incorrect information. 

United Auto Credit understands that I do not possess the funds to pay them ; and reported the information to negatively impact me ; in hopes of coercing a settlement. 
When I called XXXX he stated since there was nothing I can do if I would like to settle for deletion of {$1200.00} ; then sent a form that stated settle to update the account as paid. 

When I advised of the error, he advised unable to delete-and offer was no longer on the table ; he also refused to send copy of payment history or copy of the contract ; after a couple of calls he finally sent documents. 

XXXX stated he would send to credit dispute department, but would not provide a date investigation would be complete ; and would not supply a contact number to check on status of the investigation.

I have placed multiple calls requesting confirmation of the investigation, and have not received any help. 

Also to add they have been reporting the wrong balance per payment ledger, the ending balance is {$4100.00} I am scared to dispute the account again, as they may report more erroneous information that will negatively impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MA

Complaint narrative:
Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my 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 2021-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
I am a rXXXX XXXX XXXX and received a Preapproval letter from XXXX XXXX of Veterans United Home Loans that did not indicate the buyer had to sell/close on another property to qualify for his loan. Our closing was delayed 13 days because of XXXX XXXX 's failure to disclose this information.

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 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I began the loan process with Capital One on XX/XX/21, application ID XXXX. My loan was approved, and Capital One sent me loan documents to esign. During my review of the papers, it stated I had a credit score of approximately XXXX. I contacted Capital One and inquired about the credit score. On my first inbound call, an agent told me they used the credit score taken from all three bureaus. I contacted all three credit agencies and obtained my credit score. None of the bureaus had my credit score that low. I elevated my request, and after speaking with several individuals, the agent transferred me to the president 's office. 


XX/XX/21 I explained my concerns to a gentleman named XXXX, agent ID, XXXX. My concerns were heightened more when the individuals refused to give their last names. It gives the impression of a dishonest internet scam that many people deal with daily. XXXX informed me on a recorded line that he was with the office of the president. He advised -- defended -- me that Capital One 's computer underwriting is vetted to comply with consumer finance regulations. They use a credit scoring system, information that he does have or was not allowed to communicate to me. I envision another instance of internet scammers secretly using my data for fraudulent purposes. I asked XXXX to invalidate the documents and send me a copy for my records. He stated he wasn't sure that he could. But he would check and get back to me. What reputable company gives this response? 

My request for copies of documents is fair. However, it is alarming when someone identifies himself as working for the office of the " president '' says he's uncertain if he can provide me copies of documents? I am not trying to re-initialize a loan request. I asked for copies. 

Capital One 's responses to my questions raise my concerns that they are behaving deceptively. For example, capital One may have programmed their computers to produce credit offers based on their secret programming to generate results not aligned with fair credit lending guidelines. If they're not going to use the credit bureau scores, why make a hard inquiry that affects my credit score? 

Please recognize that my initial inquiry was not a protest to the interest rate but how they determined it. I feel I'm entitled to that information. 

I ask that this company be investigated for fairness, deceptive practices, and compliance with fair lending guidelines and adequately document their credit responses. I am also sending a copy of this request to the California State Attorney General 's office. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I rented an apartment from XXXX XXXXXXXX in XX/XX/XXXX. The company decided they were not sure about my capacity to pay the rent, so they opted for a monthly lease agreement which means according to them " if incase I am unable to pay my rent, I will be given a month notice to vacate the property and if I also need to vacate the property, I will have to give them a month notice ''. 

in XX/XX/XXXX, my whole apartment was infested with rodents and I informed the agency in writing, my apartment was exterminated but my son was falling sick and I had to look for another apartment. XX/XX/XXXX, I notified the rental agency by writing and also through phone calls of my intent to vacate the property. They accepted but only to call me on the XXXX of XXXX that my request was not granted because they couldn't find the letter of intent to vacate the property in their mail. 

I inform them on the XXXX of XX/XX/XXXX that this was an infringement of my right and a very unprofessional way to conduct business. our communication has been attached to this report. They accepted my request in written ( a proof has been attached to this email ) that I would be vacating the property on the XXXX of XX/XX/XXXX. 


Yesterday XX/XX/XXXX, i got an email from the credit company that a collection was sent on my credit without any prior notice from the collection agency, no calls or emails. this is fraudulent and an infringement on my right and has caused me so much damage. I am in the process of buying a house for my family but with this collection report, my application has been turned down. I did not renew my lease with my landlord so I will be without accommodation for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XXXX I contacted Amex to help enroll me into the XXXX XXXX XXXX. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 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: FL

Complaint narrative:
IN AN EFFORT TO REPAIR MY CREDIT REPORT, I DISPUTED ALL INCORRECT INFORMATION ON MY REPORT AS OFXX/XX/21. SPECIFICALLY WITH XXXX XXXX XXXX. 
AS OF XX/XX/2021, THIS ACCOUNT WENT TO LITIGATION AND A SETTLEMENT STIPULATION IN THE AMOUNT OF {$1300.00} WAS REACHED BETWEEN MYSELF AND XXXX XXXX XXXX. I PAY {$220.00} PER MONTH UNTIL THE BALANCE IS PAID IN FULL. AS OF THIS DATE ( XX/XX/XXXX ) THE BALANCE REMAINING IS {$450.00}. 
I HAVE PROVIDED DOCUMENTATION TO EXPERIAN AS PROOF OF THE AMOUNT AGREED UPON IN THE STIPULATION SO THAT MY CREDIT REPORT COULD BE UPDATED TO REFLECT THE NEW STATUS OF THIS ACCOUNT. 
SINCE EXPERIAN 'S REINVESTIGATION HAS BEEN COMPLETED, THE INCORRECT AMOUNT AND STATUS OF THIS ACCOUNT HAS CHANGED AND HAS NEGATIVELY AFFECTED MY CREDIT PROFILE/ 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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. 
I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. 
I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at optoutprescreen.com, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from AFN. We filed a compliant with CFPB on XXXX XX/XX/2021. After dragging their feet AFN finally responded two weeks later claiming they would put us on their internal do not contact list. AFN however has continued to brazenly violate the Fair Credit Reporting Act and still to this day ( XXXX XX/XX/2021 ) sends us unsolicited mortgage offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I get unknown calls to my phone and they try to get me to say my name and then say this is a bill I owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2012 I entered The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX to open an account for my business XXXX XXXX XXXX and was denied for the Bank inability to verify my Social Security Number. The manager was dumbfounded. as to why the bank would not allow that to happen it was a block from higher level. It appeared to be fraudulent and baseless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
i received an email asking how was the recent phone call //// but i didnt call nordstrom. i called them, telling them, that i did not call to close my account. it was not me. i am a victim of identity theft. 

i did not call to close my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: OR

Complaint narrative:
In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.

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 2021-09-23 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: OR

Complaint narrative:
In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.

Company response to consumer: Closed with explanation