vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/2021, I leased a XXXX XXXX. At the dealership, we set up an agreement to receive a paper bill mailed to our address. However, the bills were never received due to Covid-19 related delays in the postage system most likely but the reason is ultimately unknown. I visited the dealership in person to figure out the issue. There were no address issues on the account that could have caused the delay. After leaving the dealership, I was able to set up an auto-payment system with the account number that the dealership provided. After the first payment, a credit report from experian.com revealed that my score dropped significantly ( from XXXX to XXXX ) because of XXXX late payment. We are leasing the XXXX XXXX for a a long time and there has never been a delayed payment on my end and I always adhered to all deadlines and rules. I contacted the XXXX XXXX  costumer services, the case # XXXX for account # XXXX was open on XX/XX/2021 based om my complain. Please assist in any way you can to rectify the issue and have my credit score reflect appropriately.

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 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MECHANICS BANK
State: TX

Complaint narrative:
I may have asked them to stop calling, I am not 100 % sure, however, I have a personalized voicemail on this line, with my name.

Mechanics Bank Auto Finance has left at least 7 voicemails over a short time span, using more than one number to call. It seems like they change numbers every time I block the number on the phone.

I want this stopped! This phone number is used only by my minor child, though my voice and name are on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to them or else remove the inquiries from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: GA

Complaint narrative:
THERE ARE 3 SYNC BANK Unauthorized inquiries COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNCB/TJX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME XXXX account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name SYNC XX/XX/2021 Company name SYNC XX/XX/2021 Company name SYNCB/TJX XX/XX/2021 Company name Uplift account XX/XX/2021 2021

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 2021-10-19 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: Lending Club Corp
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LENDING CLUB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to them or else remove the inquiries from reporting on 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 2021-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
submitted complaint about bank of america and they responded with phone numbers they will not answer and invalid email address phone XXXX ext, XXXX and email 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 2021-10-19 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: Financial Assistance Inc
State: NV

Complaint narrative:
Please forward the information to FINANCIAL ASSISTANCE , INC.. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The issue is to stop XXXX XXXX  from going through my account. It has been requested by email and telephone and XXXX  complaint. I received a call stating ot was resolved but recently I see the charge is still going through. I need to stop the charges from XXXX to current and BLOCK the merchant. 

On XXXX XXXX while speaking with XXXX a Manager, he disconnected the call after I repeated what he said or sounded like he said and he responds that " We are not taking it there '' I am trying to find out what is he talking about, Though I came through fully verified, XXXX requested my social security number and next thing he tried to send me to one of the branches. Needless to say I am more than 90 miles away. ) Then, he disconnected the after stating the above. 

I just wanted to speak with a manager after I requested one last week.

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 2021-10-19 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: Marlette Funding, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on BEST EGG/SST ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Today XX/XX/2021 I was denied credit under false pretenses. Affirm emailed me saying I was denied because they could not verify my identity, I called experian which is shown on email as the source. I called experian and they stated all of my information matched what was submitted from affirm. 
I sent a email requesting more info and questions on how can I verify my identity with them, I received a response to call or email them. I called affirm and the supervisor stated they receive information about me from various sources and did not disclose those sources when I asked for the information. I was able to verify with representative all information was correct but This company has found a way to discriminate against me by using the not being to verify me as a cover up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NV

Complaint narrative:
Better.com provided me with a Loan Estimate for a property house with price {$510000.00} in XX/XX/2021. The Loan Estimate included a 2.75 % fixed rate ( 30 year term ) and {$4900.00} in lender credits. Now that the property is supposed to close on XX/XX/2021 they have updated the lender credits on the Loan Estimate to {$3700.00}, a difference of {$1200.00}. They expect me to come up with the extra money before closing. I tried to resolve the issue with one of their Home Advisor 's ( XXXX XXXX, License # XXXX / NMLS # XXXX ). Her exact response in writing : " Unfortunately, pricing on all loans are subject to change if there are changes to the loan parameters after the rate is locked-in. '' Better.com is in violation of the TRID Rule 's good faith disclosure standard under 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 at XXXX XXXX and XX/XX/2021 at XXXX I got a phone call from Real Time Resolution. The representative was stating that they are collecting an alleged debt. I never heard of this company. I have been sent multiple items in the mail from this company and I feel harassed. The letters they keep sending are false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-19 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: AES/PHEAA
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I have sent in disputes to the bureaus and I havent received any reports back from XXXX XXXX or equfax and the accounts are still there. XXXX sent one in XX/XX/XXXX, but when asked for how they verified i never heard a response. I have sent in 3 disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and still nothing. These accounts are not of my knowledge and dont know who they belong to but not me. I have received nothing from the creditors or bureaus I have included copy of letters sent to all 3 bureaus each time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Great American Finance Co
State: CA

Complaint narrative:
My intent to file a complaint against Great American Finance Holdings, LLCs ( GAFH ) due to the inaccuracy of my credit statement balance based on a promotional purchase at XXXX XXXX XXXX on XX/XX/XXXX. The statement balance reflects monthly interest charges that should not be applied until XX/XX/XXXX. On XX/XX/XXXX, I reviewed my statement balance which included an interest charge of {$46.00}. It was my understanding at the time of purchase that the promotional period included 12-months with no interest. On this same day, I called GAFH speaking with a representative to attempt to clarify or resolve. The representative informed me that the amount in GAFHs records reflected the interest free period with an amount of approximately {$2300.00}, which was different than the amount on my statement {$2400.00}. Based on my statement, GAFH is breaching the promotional period with indicating a balance that included the interest charge into the new balance. GAFHs practice may inadvertently and unintentionally cause consumer overpayment due to a violation of agreed upon promotional term conditions. This oversight may appear that GAFH engages in predatory lending practices. As of XXXX XXXX, I have received no response from GAFH LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days, I have not received the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
During COVID, I was furloughed from my job. This put a strain on our monthly mortgage payments. This caused us to go into forbearance status. 

Once my job was reinstated, we were looking for an opportunity to lower the mortgage payments and decided to refinance with Rocket Mortgage. 
The mortgage company made an error during the refinancing process. They inaccurately stated what our monthly mortgage payment would be because they inadvertently left out the California XXXX XXXX XXXX XXXX amount. This was a huge error that they have admittedly made but yet have no solution except to expect us to pay the increased monthly payment. 

Summary of financial data : Prior to refinancing, our monthly payment that included taxes and all insurances was {$2000.00}. 

The cost of the refinancing was approximately {$100000.00} From the very beginning of all estimations the monthly payment amount if we refinanced with them was {$1400.00}. This amount was the key reason for our decision to proceed with the refinancing. 

After a year of us making the payment ; Rocket Mortgage is stating they made an error and did not include the California XXXX XXXX amount in the monthly payment. They are now expecting us to not only pay the extra needed amount of money ; {$4900.00} but to also endure the increased monthly payment from {$1400.00} that was stated in all closing documents that we signed, to now an increased monthly payment of {$2100.00}. 

This monthly payment amount is now HIGHER than the amount prior to the refinancing. Payment was {$2000.00}. 

We refinanced to lower our payment. Because of their error we are paying more than before plus the cost to refinance. 

We have reached out to Rocket Mortgage and have spoken to 4 different individuals who have offered no possible solutions that benefit us. After admitting their error they only expect us to make the additional payments and go away quietly. 

We are completely disappointed and dissatisfied with this company. We are reaching out for your help to come to a satisfactory solution that benefits us and lowers the payment as promised without us incurring any additional expenses. 

We would not have refinanced with Rocket if we had the correct numbers in the beginning. It would not have made financial sense. We are smart enough to know that. 

Thank you for your help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: Uplift, Inc
State: GA

Complaint narrative:
THERE ARE 3 XXXX XXXX  Unauthorized inquiries COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME UPLIFT account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name Uplift account XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent Receive any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hi there again! on XXXX I requested 2 things from Experian because i really don't believe the information to be accurate. I sent a simple dispute letter requesting verification for this Realty account and for some late payments. It has been more than 30 days and i haven't received any information about the investigation. These things just popped up on my report, no warning what so ever i really am being ignored here. I need them to remove it because it is not accurate and it took more than 30 days and it is still on 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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-2 is suppose to protect us against this type of stuff. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-XXXX is suppose to protect us against this type of stuff. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation