vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: MD

Complaint narrative:
I put in a dispute with Capital OneON XXXX XXXX. About not receiving my credit AGE score of XXXX yrs. On my credit i'm ONLY receiving credit for XXXX  yrs. & XXXX  months from other credit cards. Capital One added this statment to my XXXX Report - Between XX/XX/year>XXXX  and XX/XX/year>, your credit card account with CAPITAL ONE was removed from your credit report. 
Now the account is removed off of my report which dramatically lowered my score. This is the second time Capital One has removed this account fradulently. I didn't ask in my complaint for ANY REMOVAL. I ONLY asked to update my payment credit rating of XXXX. NOT A REMOVAL. This violates my rights as a consumer with damaging my credit NOW DROPPING MY SCORE BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Back At XXXX  During Covid-19 Lockdown I Had Signed Up For Apple Card. When It Was Relatively New at The Time And Was Being Marketed To The Public Masses. I Was Only XXXX At The Time And Thought A Metal Card Was So Cool So I Signed Up. i had a limit of XXXX dollars and i didn't know any better so i used it all and got laid off my job but i wasn't able to pay it until a few months later which resulted them closing my account. they wouldn't let me reapply for the card now and ive been wanting to reapply since i changed my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
We applied for $ XXXX mortgage from the equity of our home. Underwriting reviewed then XXXX XXXX emailed on XX/XX/XXXX requesting property insurance documents, we promptly emailed policy declaration details next day XXXX. It was accepted and the mortg closed XX/XX/XXXX. 
Upon my travel return XX/XX/XXXX I noted a few letters from Rocket requesting copies of my wind insurance policy. Not knowing what wind meant, I presumed they needed another copy of our policy. In addition I emailed XXXX XX/XX/XXXX asking for assistance however he referred me to customer service who I called few times in XXXX. I was told to submit policy renewal. After many calls, and submission of renewal XXXX XXXX believed all had been resolved but got further calls on XX/XX/XXXX .Turns out the agent neglected to mention my policy should have included wind. 

Rocket added $ XXXX lender placed coverage retroactively from close date against our approval despite us adding wind to our policy by XXXX. 
They jacked monthly from {$1300.00} to XXXX. We opened case, on XX/XX/XXXX XXXX acknowledged underwriting error and said we would hear back. We continued calling customer service to pay the regular mortg & ensure they were aware, On XX/XX/XXXX we were told escrow would be extended and lender would end XX/XX/XXXX. 
We continued to get letters every week extending the lender placed insurance contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
My XX/XX/XXXXXXXX  Costco Anywhere Visa Card by Citi statement included a notice that they were making changes to my Annual Percentage Rate ( APR ) from 19.99 % to 23.99 % effective XX/XX/XXXX. They said they had checked my credit score via XXXX on XX/XX/XXXXXXXX  and it was XXXX. The explanation they gave for changing the rate was as follows : 1 ) My current APR was lower that what they currently offer consumers with the same score who apply today ( I've had this card for over 3 years ) 2 ) My current credit profile shows the following problems a ) Balances vs limits is too high b ) Most recent account opening is too short c ) Too many accounts with balances d ) Too few accounts currently paid as agreed. Reasons a, b, c & d are all false and untrue. I only have 3 open credit accounts to my name and none have high credit limits -- Costco Citi card is the highest, actually. 

I'm not sure whose credit score or history they are looking at but it's not mine because non of those reasons applies to my credit or history. I went to my XXXX online account to check my credit score and it is currently XXXX. XXXX also shows the same credit score. It had been at a low of XXXX on XX/XX/XXXXXXXX  but it hasn't been below XXXX at any point this year. I can also see that Citibank never pulled a soft or hard credit check through XXXX on XX/XX/XXXX. My account history shows they ( CitiBank ) pulled soft credit checks on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX of this year. There was nothing pulled from XXXX ( as they reference in their letter ) on XX/XX/XXXX. 

I called the Costco Citibank customer service to ask who I could speak to about the errors they are basing this large increase on and getting it reversed as my payment history with them is stellar. I was told, on two separate phone calls to them, there was ABSOLUTELY NO ONE I can speak to in their organization about changing this rate or reporting the errors they've based these changes on. SERIOUSLY???? I also went to my local Costco location to report this. They can't do a thing but I want them to know that there is potential consumer fraud being committed by CitiBank. I only throw up this red flag because they were adamant ( and I spoke to XXXX different CSRs ) that nothing can be done. I asked for a referral to a " higher up '' or the credit division and they said there wasn't any recourse. Do you understand why I'm not only frustrated but concerned and angry? If they made wholesale changes to the base rates, they should simply say so. I asked that question but was told they can't speak to me about my credit report so it must not be a company wide increase.

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 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I called Affirm regarding my account being past due and to see what options they had available since I am dealing with a financial hardship. I spoke with XXXX he was not trying to help so I ask to speak with a supervisor, XXXX took over the call. XXXX stated, she could not modify my payment date and she would send me a link to get approve for a loan modification. XXXX stated, if the loan modification is not approved then I would have to make partial payments and the account will be charged off on XX/XX/XXXX if I dont make a payment for {$53.00} to prevent the charge off. My loan modification was denied. As I expressed earlier I am going through financial hardship I tried to be proactive and call to try and make some type of arrangements, but Affirm is not trying to work with me. Affirm had no intentions on approving the loan modification its deceptive business practices. On XX/XX/XXXX, I sent Affirm an email regarding having financial difficulties. The only response I received from Affirm is that they received my email and I should here back from them within 24 hours and they assigned case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Voss & Klein, LLC
State: NY

Complaint narrative:
VOSS & KLEIN reported an inaccurate collection to XXXX XXXX and XXXX on XX/XX/year>. I disputed the item, and it was not removed. Company didn't answer. It is hindering my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't recognize this address please remove thank you XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Inaccurate Names NAMES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Remove this Information EMPLOYMENT INFO XXXX XXXXXXXX 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 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported 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 non-monetary relief
Consumer complaint received 2024-11-23 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: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported 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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I recently discovered that on XX/XX/year> Cavalry Portfolio Service, a debt buyer, accessed my XXXX credit report without my knowledge or consent. I did not and will not consent to giving them my personal information or enter in to any type of contract with them. I have had ongoing identity theft issues for the past decade and do not appreciate this company purchasing my information from data brokers or the Dark Web to research whether or not I am a good target for their extortion tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Chime Bank to dispute a charge on my account for XXXX from XXXX. The representative I spoke with told me that he could not dispute the charge without inactivating my current debit card and sending me another card. I explained to the rep that I could not inactivate the debit card at this time because I have other accounts tied to the debit card and if they inactive the debit card I would incur fees that they are not willing to pay for. The rep refused to listen to what I had to say. I explained to the rep that I called on XX/XX/year>XXXX  to dispute other unauthorized charges on my account and the rep, XXXX file the dispute and got the charges reversed back on my account. 
At this time I asked to speak with a supervisor, the supervisor XXXX took over the call. I explained to XXXX that there was unauthorized charge on my account for {$12.00} from XXXX that should have been charged to my debit card. XXXX told me she was not gon na file the dispute unless I agree to inactivate my debit card. I explained to XXXX on XX/XX/year> I called and filed a dispute with the rep, XXXX and how she processed my dispute and I did not have to have my debit card inactivated. The supervisor refused to listen to what I had to say. As a supervisor you are there for conflict resolutions XXXX didnt try to resolve my issue she made the whole situation worse. XXXX refused to file the dispute. XXXX expressed no concern nor tried to emphasize with my concerns that I had other accounts tied to my debit card, and if I inactivate the debit card I would incur fees that Chime is not gon na reimburse me for. As a consumer it should be my choice to decide whether I want a new debit card not Chime bank. They are using my funds to make money off of not the other way around. Chime needs to consider changing a lot of their rules because they are very beneficial for the consumer. Chime is trying to dictate how consumers should manage their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX for XXXX XXXX XXXX started a foreclosure complaint and we answered and motion for discovery of XXXX & Demands from our Servicer Rushmore Servicing and the alleged investor XXXX XXXX. We were told by the attorney to Plaintiff, XXXX that he does not represent Rushmore or XXXX XXXX in the foreclosure, even though we were directed by our Servicer Rushmore Servicing to contact THEIR law firm XXXX XXXX XXXX XXXX. 
Since we have been getting nothing but the run around in this awful XXXX XXXX, we need to forward to both parties and request the CFPB to compel them to answer the XXXX & XXXX XXXX  as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize this address please remove XXXX XXXX XXXX XXXX XXXX fl 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Ive contacted early warning services about this matter. Its multiple accounts and multiple email addresses, phone number, ssn, that was incorrect on my early warning services report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize this address please remove XXXX XXXX XXXX XXXX XXXX XXXX, fl 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 2024-11-23 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: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.

Company response to consumer: Closed with non-monetary relief