vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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:
My issue is that I have submitted disputes to Experian stating that they had wrong information concerning the XXXX balance ; amount that was current/paid off. This company had deducted 25 points on XX/XX/XXXX in which I contacted Experian and advised that they had inaccurate information concerning my loan balance with XXXX XXXX. I opened a dispute and advised that I had been making principle payments since XXXX of XXXX and submitted a letter from my lender with the current balance. On XX/XX/XXXX they stated my balance was now {$2900.00} which was still incorrect. On XX/XX/XXXX Experian did a modification of {$1.00}, XXXX, which I advised was the accurate amount as early XXXX, but by the time they did the modification to my credit report I had paid the loan off in full. So I received a notification that I had another 25 points taken from my credit score stating that my balance was showing HIGH. I called and started a dispute XX/XX/XXXX telling them that the loan is paid in full and that XXXX XXXX hasn't reported anything since XX/XX/XXXX is because I paid off my loan XX/XX/XXXX. I was on the phone for XXXX hours and had spoke to 3 representatives and 1 supervisor. I asked that they should give me back my points that was taken from me on both occasions due to their neglect and capabilities of not helping me as a consumer in trying to maintain a great score. I also stated that how can they offer services in monitoring to darkweb but can't even keep regular, and accurate data correct. XXXX and XXXX shows my car loan as pain if full. also, Experian has it where you link your bank account that you pay utilities, phone, cable, etc. well I have my XXXXXXXX XXXX account which it shows that you pay your bills on time and it will boost your score ; well I have mine linked and they have bugs in there system where it will disconnect from my bank account and then for some reason then I get a notification that I need to reconnect in order to get credit boost which I never disconnected during the time that I installed the experian App and signed up so that I can be proactive and responsible to keep my score above XXXX. I am so frustrated and sick of this company and the lack of restoration!!!! Attached : Dispute letter, Letter from Lender, XXXX Credit Report Showing that Credit Reporting Agencys Did receive notification from LENDER

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 2021-06-30 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Since XX/XX/2020 I have been attempting to settle a " debt '' with said Company to no avail. After sending ( via USPS Certified and Priority Mail ( Express ) many notices, affidavits and other correspondences including but not limited to demands for full verification ( s ) of " debt '', a full accounting of said " debt '', notice of default and estoppel and other private special trust deposit documents, to date I have not received any of my requested and demanded inquiries. After experiencing some personal hardship due to said Company 's negative reporting of said Estate, and said Company 's reluctance to submit documents, non-compliance, default, and non-response. The current hardships that are mostly due to the COVID-19 Pandemic Disaster and I not being able to mover forward financially due to the negative reporting by said Company, I was forced to settle said trust account in USD for the full amount of {$5700.00} from my bank whereas said Company 's representative stated that said charge-off would be removed and a letter showing payment of full amount would be emailed to my email, but never sent the email. I was then told to check my junk and spam mail for said email, but to no avail. As of today XX/XX/2020 there is no change to my score. I have exhausted my administrative remedy and will continue to do so in order to possibly file a claim against said Company and it's Agents and Assigns for their breach of a public trust, violation of possible State and Federal laws, as well as many other Constitutional Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I completed and agreed to loan application fore VA refinance, 30 yr fixed at 2.75 % locked rate with a loan discount fee of 0.000 % ( {$0.00} ). ( quicken 1 ). Then received on-line the first Quicken Loan Estimate, which confirmed what was agreed upon in application. Both these on XX/XX/XXXX. ( Quicken XX/XX/XXXX ) Then on XX/XX/XXXX I received on line the second Loan Estimate which showed 4.75 % {$6100.00} loan discount ( loan cost ) Quicken 3-9 ). When addressing this unilateral change in the loan parameters ( cost of loan ) Quicken rep. said it was owing to a lesser valuation on the appraisal. The appraisal was still more than the amount of loan and the original property value they used on application was one they found and supplied for themselves. Regardless of that, I think it violates Federal Consumer Protection act to use " point system '' reserved to mutually agreed basis for negotiated rate reduction, which was not the case in this loan. The rate was offered by them as fixed and locked at 2.75 % and there was no rate reduction on the second Loan Estimate. I advised them I would not make any alterations to the original loan application and approval, I would only proceed with the already existing loan agreement/contract. They have made no change to the last posted Loan Estimate, so I still believe them to be in violation of the loan agreement and consumer fraud protections. They just finished talking to me and offered to make up the difference their miscalculations cost them by increasing the loan amount to increase the amount they could steal at closing ( as supposed costs ) which of course would change the payments, etc originally stipulated and agreed to by both parties. I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing this unrecognizable collection account and inquiries several times to Equifax now and yet it is still reporting and is affecting my scores negatively. I need to see proof that I gave my consent to report my medical information in accordance to HIPAA law. 
I do not recall giving permission to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I received an email to an address I rarely use from Power Finance saying they were not able to grant me a loan. It included a Notice of Adverse Action that did not contain any of my information. 

I never applied for a loan with them and when I responded to the email they wanted me to call and give them my personal information because they could not pull up any account associated with my email address. 

Of course they can look up the application/account by the email address but they wanted to get more of my personal information. 

I responded again pointing out that it was them who contacted me and it is absurd they can not pull up an account via the email address. 

I received a response from someone there stating the name listed on the application ( yet not the XXXX ) was not mine and since it was not in my name they would refuse to provide any information. 

Clearly they are using the bogus XXXX 's as either a marketing scheme or a phishing scheme to get XXXX from unsuspecting people. 

The email address they sent the bogus XXXX to is XXXX I have attached their " XXXX '' It is very clearly missing information required by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One XXXX credit card ) -opened XX/XX/XXXX, charged off XX/XX/XXXX and sent to XXXX XXXX XXXX XXXX XX/XX/XXXX. The total amount in collections is {$520.00}. The account # is XXXX. The card was mailed to the address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. The account is currently marked as " in dispute '' with XXXX XXXX XXXX. A claim has been made with them. A police report with XXXX XXXX XXXX XXXX Department was also made on XX/XX/XXXX with Detective XXXX XXXX XXXX. Complaint # XXXX. Subpoenas have been sent to Capital One by the detective for copies of charges that were fraudulently made by someone other than myself as well as to XXXX for documentation of the email and account that was given as information to open up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX a collection account appeared on my credit report from Eastern Account Systems of Connecticut in the amount of XXXX. 
The original XXXX was XXXX XXXX. After contacting XXXX XXXX and confirming that I did not owe that amount and had a credit balance of XXXX XXXX. 
I contacted Eastern account Systems to verify the accuracy of the account and complain that no notice or contact was received from the company. After complaining that they were required to allow me to verify the accuracy of the debt. They sent a first contact letter dated XX/XX/XXXX, with an inaccurate amount and the original creditor name and account number. 
After disputing the accuracy with the three Bureaus, Eastern account systems continues to report inaccurate information on my credit report which is a violation of the fair credit reporting act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$930.00} Dispute Reason : What is the method of verification show how it was verified

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I get XXXX call daily from credence about a debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I reached out to you this month regarding my mortgage. Bank of America was informed of my complaint. They did contact me afterwards confirming it was me ( XXXX XXXX ) who contacted you. The rep said I will receive something in the mail. In which I got Monday ( XX/XX/XXXX ) The attachment I am sending is basically the same brief conversation I had on the phone. I did as instructed and only got voicemail. I will call again today to see what happens but Im not getting anywhere. 

The complaint is a follow up on this. 

Since XXXX I have been trying to work with countrywide for a fixed affordable mortgage. During negotiations, countrywide sold to Bank of America without fixing or modifying my mortgage. I proceeded with Bank of America to get a fixed affordable rate. The same employee I spoke to for my modification is from countrywide, now a BAC representative. Things are worse for me because the pandemic and The employee made it clear because of the pandemic its impossible to refinance and they will not help/negotiate anything and so now were in forbearance. Meanwhile adding more money to the end of the mortgage so they can add more interest on forbearance. The mortgage started at {$180000.00} and will now be {$270000.00} and climbing so all they have done to help us raise my principal {$90000.00}. I am looking for any help I can get or a referral. NOTE : The original mortgage terms was {$50000.00} at 12 % plus {$180000.00} with fluctuating mortgage rate. I was able to pay off the {$50000.00} while struggling with the other. As a first time home buyer I didnt know what I was getting into. All Im hoping is to have a fixed mortgage at a fair interest that is affordable.

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 2021-06-30 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: FL

Complaint narrative:
I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. The letter was sent over 50 days ago and I have not received a response yet. It seems like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted immediately. I demand these accounts be delete it immediately or I will have no other choice but to file for litigation due to the stress you caused me and my rights that have been violated. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Synchrony Bank home designed credit card ) placed on my consumer report by XXXX, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Synchrony Bank home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

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 2021-06-30 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Essentially said organization claimed that they had a court case that I have yet to find anywhere on XXXX. Contacted relatives that they were not supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXXXXXX XXXX Best Buy is reporting an account on my credit file that is not mine. I recently looked at my credit and noticed I have an account with Best Buy under " Authorized User ''. This account is not recognizable to me and I have never been added as an authorized user onto any account. You have nothing bearing my signature and I ask that you remove this immediatley.

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 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
NewRez Since XX/XX/2021, the NewRez has been withdrawing for an insurance premium which I have furnished and confirmed by the company as having the required insurance. I called the company XXXX, and XX/XX/2021 to resolve the issue. Each time, the representative informs that an escrow analysis is require. In the mean while, {$1500.00} drafts have withdrawn for that last 3 months. Additionally, the escrow amounts are being held in separate account. I have repeatedly reached out to the company without receiving the funds or having the payments reduced.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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