vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
In XXXX of XXXX I was looking to relocate from XXXX to XXXX for a job transfer. Therefore I was looking to find an apartment in XXXX. I applied at XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX where I was approved and was scheduled to move into the property on XX/XX/XXXX I hadnt seen the location in person or anything just applied online. On XX/XX/XXXX I was diagnosed with the XXXX. At this time I was still located in XXXX  and I was XXXX, XXXX XXXX etc etc so I could not drive to XXXX to pick up my keys for the property therefore the property advised that if I didnt come in by the end of the business day I would be in default and charged a relenting fee as well as be responsible for accelerated rent until the property is rented out to another tenant. Which I was 100 % fine with paying the relenting fee, however the property then tried charging be {$26000.00} for the full 18 month lease starting XXXX however I found out someone was occupying the apartment therefore I emailed them advising them that I am aware that someone is renting the unit and that it it illegal to charge double rent in the state of XXXX so the property updated the balance to {$4500.00} but they sent it to collections although the least end date wasnt until XXXX and as of XX/XX/XXXX the property is STILL be occupied and the property is still attempting to charge me the balance although theres no indication that whomever is in the unit is vacating. My attorney with XXXX XXXX sent out a notice on XX/XX/XXXX to Cease and desist to both the collections and the property and the property NEVER respond neither did the collections agency. Prior to me getting an attorney involved I sent the collections Rent recovery located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX documentation advising the property is still charging accelerated rent for XXXX and they advised me to send the documentation so I sent the documentation and called them back numerous times after being notified that the documents were received and they NEVER answered back as theres only ONE person that ever answers the phone with the name of XXXX. I finally poke with XXXX months later and she advised they hadnt heard back from the property, so how are you charging me for a debt you can not verify neither was verified before you attempted to collect the debt? Both parties have been unresponsive in this matter and my credit is affected as well as its affecting my lively hood as I lucky to get a place to stay before it went on my collections but current property lease ended XX/XX/XXXX and the rent went up which is not affordable for me therefore I could not renew the lease and I am paying the new rent of {$1300.00} on top of {$250.00} a month to do month to month as I can not rent anywhere else with this on my credit. Im hoping this matter can be resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I paid a fee to re-cast my mortgage with Rocket Mortgage ( loan # XXXX ) and spent several hours on the phone completing this process. They said it would take effect in XXXX. 

They subsequently transferred and sold my mortgage to a new bank on XX/XX/XXXX ( XXXXXXXX XXXX, loan # XXXX ), and XXXX has told me the mortgage was not re-cast, nor would they have allowed the mortgage transfer to go through if it was in the process of re-casting. I would need to pay new ( higher ) fees and completely re-apply through their bank to have the mortgage re-cast. Apparently, I also can not speak directly with anyone at XXXX about this, only via email. 

I called Rocket Mortgage on XX/XX/XXXX, and they claim it was due to a mistake on their end, which I was never notified of. An associate didn't note that I *confirmed* that I wanted to have my mortgage re-cast. This is false, as the entire process was recorded. I confirmed the entire process with them on a recorded line and stated " yes '' to several canned prompts. But now they say it is out of their hands as the mortgage has been transferred, and they can not reimburse me for any fees paid. 

I believe the Rocket Mortgage XXXX have purposefully sabotaged this process to allow the transfer of my loan to a new service. I made a substantial payment to re-cast the loan, and I can not continue to pay the non-re-cast amount. They should have never happened, and the mortgage should not have been transferred if there were still noted errors on my Rocket Mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Long & Foster Financial Services, Inc.
State: AZ

Complaint narrative:
XX/XX/2023 : Re- Prosperity Home Mortgage , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Office : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX 

I asked for a soft pull pre-qual letter, they demanded I fill out a credit application. 
After which, they did a hard pull against my wishes, did not send a pre-qual letter. 

The property I was interested when into contract in the mean time ( broker/agent were super slow ). 
So I found a new real estate agent in the mean time ( prior agent was also a scam/ghost artist and referred me to Prosperity ), he wanted to see the pre-qual letter and loan approval contract details, lots of details, he was skeptical. 
Prosperity Mortgage sent him a pre-qual letter and a flimsy cover letter on company letter head. No loan docs, no terms, no nothing. 

Then, Prosperity stopped taking my calls. They would also not return my emails. I went to other lenders to have them look at my situation and showed them the two pieces of paper I got from them. They all laughed and said no way did I qualify for a mortgage of any type, my DTI was WAY too high, that I got scammed, and the loan app would have bounced at time of closing. They all said Prosperity has a habit of doing this and ghosting clients. 

I did more research and found same was true. See the link. 

XXXX XXXX XXXX XXXX XXXX XXXX I've made dozens of attempts to contact them. No reply. It as if the company does not exist. This company is obviously a scam doing bait-n-switch. 

I simply want my credit restored and the hard pulled removed. That's all I asked. They refused to even get back to me, they just ignored me. Now my credit is dinged, I can not get a home loan, No one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
My interest rate is almost 38 %, I am applying for the 6 % max interest since I am XXXX XXXX XXXX currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Loan amounts do not match across credit reports and are all inaccurate. 
Loan balance is inaccurate. 

The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.. This company have also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Due to XXXX data breach and identity theft by capital one by falsely reporting on my consumer report. According to 12 CFR 1022.3 Anything added to my report without written consent is considered identity theft. 15 U.S Code 1681s-2 A person shall not furnish information relating to a consumer to any consumer reporting agency. They are also in violations of the Fair Credit Reporting Act. According to 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I did not give my written consent to Capital one to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/2018. I changed my name with all creditors and all credit bureaus. I sent certified copies from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXXXXXX XXXX XXXX and XXXX made the proper changes and I have not had a problem with obtaining credit through either of these bureaus. My problem is with Experian. I've sent copies of all my paperwork on XXXX different occasions to Experian and spoken with them on the phone 5 or 6 different occasions and nothing has been resolved. I've had rejections from Companies that only use Experian because they don't have any of my credit history except for one credit card, and I've been declined for lack of credit history. I have extensive credit history and can provide you with copies of my XXXX and XXXX reports which are correct. This has been going on for years and I'm extremely frustrated trying to get this corrected with a company that does nothing to help. 
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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
I called 3 times to get an invoice from my bill for my credit card. And they never sent any invoice. I was told it was in the mail.Then the day of when the payment was due. they sent me my statement. No time to mail in the money. So i sent up an online payment. To take money out of my account. Got a conformation email my payment was sent. Today XXXX XXXX XXXXXXXX i get email saying my payment was never cashed. I called an they said they received my payment. Then i explain the email. An the women said it was never received because they declined payment feom my bank. I had one credit card since XXXX no issues ever. This discover card i made XXXX payment everything was fine. Now the second payment i try to make an all these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. DUVERA has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: KY

Complaint narrative:
The card has higher than 6 % interest rate, which is what I am applying for to reimburse or lower my interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting 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:
I filed a dispute concerning my consumer report with XXXX, Equifax, and XXXX in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute concerning my consumer report with XXXX, XXXX, and Experian in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer 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 2023-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Vanilla gift card was purchased XXXX balance was used unauthorized XXXX card was given as gift XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have disputed incorrect and outdated items on my credit report with all three credit bureaus. There has been 17 negative items removed and yet my score has plummeted. There are still incorrect items in my report that also do not have matching dates with all three Credit bureaus and have shown me no proof of validation. There is currently a XXXX account on my report that I discovered over a month ago and had it closed with the company as it was not mine and also not one penny was borrowed from it. This account has drastically dropped my score preventing me from a purchase and affecting my business XXXX XXXX XXXX. My patience has run out and my intention is to seek legal action against the server for the XXXX account ( XXXX XXXX XXXX  ) and all three credit bureaus TransUnion, XXXX, XXXX for violating the Fair Credit Reporting act by not accurately reporting the removal of negative items, not providing validation of accounts or any details of adverse actions taken regarding my 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 non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed incorrect and outdated items on my credit report with all three credit bureaus. There has been 17 negative items removed and yet my score has plummeted. There are still incorrect items in my report that also do not have matching dates with all three Credit bureaus and have shown me no proof of validation. There is currently a XXXX account on my report that I discovered over a month ago and had it closed with the company as it was not mine and also not one penny was borrowed from it. This account has drastically dropped my score preventing me from a purchase and affecting my business XXXX XXXX XXXX. My patience has run out and my intention is to seek legal action against the server for the XXXX account ( XXXX XXXX XXXX  ) and all three credit bureaus XXXX, Experian, XXXX for violating the Fair Credit Reporting act by not accurately reporting the removal of negative items, not providing validation of accounts or any details of adverse actions taken regarding my 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 2023-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal drafted {$500.00} out of my bank account, and has had the money frozen for 5 business days. They have apparently lost my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I had called the credit card department several times arranging a payment arrangement they advised they can set it up for XXXX they said they deleted all the prior payments but did not infact the debited me on the wrong month to start my payments. I was in good faith they advised as long as. I keep this payment arrangement my account starting in XXXX would not be written off today I got an alert that my account was written off after Navy Federal assured me this would not happen the collections dept advised they put in the notes and I was fine so I trusted them on what they advised this was not the case and now my account had been written off Navy Federal did not send a letter of confirmation every time I would call no one remembers what they said nor are they accurate on assisting what they promised I only want my account to be put in good standing as they advised on several calls that I was ok and not to worry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation