vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
According to the Servicemembers civil relief act Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. My lender supposedly changed my interest to 6 % but it shows on my bill that its 9.9. I contacted them again and they managed to respond in a reasonable time stating that the orders I provided them only gave them the option to change my interest rate to 6 % for a limited time and date. Even though I confirmed with them through email that it should be for the remainder of my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the XXXX both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a fact that, I, agent for principal XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice in Fact, I, agent for principal XXXX XXXX and XXXX, have never signed a CONTRACT or PROMISSORY NOTE with PORTFOLIO RECOV ASSOCIATES. Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice in fact, I demand these items stop being furnished on my consumer reports or pay me {$4300.00} for every minute they've been reported on my behalf. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by PORTFOLIO RECOV ASSOCIATES herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
In or about XXXX 2015 I had lost my job and was unable to make my Mortgage payments, that were roughly $ XXXXFor ten months I wasn't able to pay so I applied for a home retention loan and was approved by ( Housing and Urban Development ) .As I mentioned earlier I fell behind 10 payments.H.U.D agreed to bring my mortgage current which should've been no more than {$18000.00} since the loan was interest free.Lakeview Mortgage Company some how came up with the conclusion that I had to pay over {$62000.00} to satisfy a Partial Loan Claim.I need to know how this number ( {$62000.00} ) was come to.I never signed any documents with that amount.

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 2021-10-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have disputed this account that appears on my XXXX and XXXX credit file with SYNCB/BP multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.

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 2021-10-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed this account that appears on my XXXX and Equifax credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another. 

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TN

Complaint narrative:
I have disputed this account that appears on my Experian and XXXX credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt.

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors.

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
XXXX Tower Loan called regarding payment during 10 day grace period. They call several times everyday and leave messages as this seems to be their protocol. I have not missed a payment on the loan. Although, I have been late and have paid the late fee every time. Tower Loans communication tactics are borderline harassment to the consumer and they KNOW IT! My grace period ends XX/XX/2021 as of which the total payment due will be paid. However, the lady clearly said in the recorded message how imperative it was for me to call before XXXX XXXX  on XX/XX/2021 and her direct tone was rude. I did call and asked why the calls during the grace period? She said that is a courtesy and that she can not know in the back of her mind when I am going to pay. 
I said okay I understand it is your protocol. She replied with yes exactly. Again her tone just ridiculous. She also said if I would call back the calls will stop. I said I will when I can. My complaint is these calls are absolutely not necessary and this company holds no integrity! 
Too add, I am not just talking a few calls either! Several!

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
My Experian credit report ceased updating online when I requested for old mailing addresses to be deleted, except my current address. But they deleted my current address too. Without any addresses associated with my credit report, the information will not update past XX/XX/2020 on their Experian website, which is the last date there was an actual mailing address associated with my credit report. I have tried over and over again to call and get the problem fixed, and even uploaded address verification documents several times, but with each phone call and dispute initiated, my credit report still remains missing the mailing address. Their representatives tell me that they added my address and then send my dispute resolutions. When I get the updated dispute, it still shows no mailing address associated with my credit report, which is what is causing my score to not update on their website. I have explained to Experian representatives several times that I have reported this same issue several times for over a year with still no resolution.

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 BRIDGECREST CREDIT CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
BRIDGECREST CREDIT C ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off BRIDGECREST ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off

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 2021-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please refer to my other 2 complaints Suntrust/Truist has yet to live up to their name of being Truist. They continue to violate UDAAP by sending me incorrect statements with incorrect amounts which is also totally different from their website. Truist is deceptive and continues to respond by stating that I filed Bk and not affect CBR that isnt the concern is the deceptive practice of mailing me incorrect account balance past due when they are receiving payments. Their escalation team is a farce specifically XXXX because she doesnt listen, and responds the same way twitch the deceptive response addressing BK and CBR as well as call their BK department the complaint is closed. When I ask how can the complaint be closed she still gives the same response when I mention hiring an attorney for UDAAP she totally disregards that comment and says maam the issue is closed. So I will continue to open complaints while I look for an attorney who will take a UDAAP case since its a violation of Dodd Frank REFORM AND CONSUMER Protection

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For background, please refer tp complaint # XXXX. The company responded with their same old information I have been battling for almost 2 years since XXXX of XXXX. I have requested, many times, and explanation of how they arrived at my owing them {$650.00} and change. They are accusing me of missing a payment, which I have not and can prove. I would like to know 1 ) the month I missed a payment and I would like to know 2 ) how they arrived at this amount of {$650.00} they say I owe. As I previously submitted a spreadsheet to you ( and to them ), I think I only owe {$250.00} and have offered this amount as a settlement. They do not respond to any of these questions I have asked by letter or by message. Can you help me? I am uploading their response to the previous complaint. It's like they never had heard from me before. I got a letter dated XX/XX/XXXX asking for details of my request, which I have sent several times already. 

Can we make them reply to you instead? My mortgage should be paid off in XXXX of XXXX and I fear they will make me pay the extra amount to get clear title. I have XXXX and can not handle this any more.

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 2021-10-21 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: NY

Complaint narrative:
Im sending this letter again to Experian to remove immediately the XXXX Account XXXX From my credit report I sent more than 50 letters to Experian to remove this account in which XXXX XXXX committed fraud to me as a customer and over 50 times Experian ignored my legal dispute By mail and by the consumer financial protection bureau I only sent 1 dispute to XXXX and XXXX And immediately both remove this account right away based on the proves I sent from the Federal Trade Commission Except Experian This account is affecting me negatively and keeping me away from renting an apartment No matter. How many proves I send to Experian They keep going in favor of the powerful and the rich I called more than 100 times And many of those times when I requested it about the dispute The representatives of Experian hang off the call or disconnect the phone call This situation got me in depressed state Which I make Experian responsible for my outgoing situation and my XXXX Seen how Experian favor XXXX XXXX after they committed fraud just because they are a powerful corporation and going against of the real victim of this big fraud and illegal practices I request this account XXXX account be removed it The problem of been poor is that corporation like XXXX are protected by Experian I sent plenty of documents with proof of the fraud and illegal activities committed by XXXX XXXX but even like that Experian favor the corrupt XXXX XXXX dealership The fraud is visible in the documents XXXX and XXXX accepted that was a fraud and remove this account from my credit report But I dont understand why Experian keep In favor of this corrupts of XXXX XXXX ? 
And keep saying we dont understand your dispute XXXX XXXX I make Experian Responsible for my deep XXXX related with the XXXX account I will tell all my family members who to blame for my problem

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 2021-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr. Cooper AKA IS AT again. After going through several rounds about Escrow. They finally decided to follow the law and do an escrow analysis. It was discovered that I have an escrow surplus. That was recorded on XX/XX/XXXX, I called on XX/XX/XXXX to make an inquiry if the check was actually sent out since it was nearing three weeks. I mentioned this the representative and they offered me a stop payment and reissue of check. I told her please do not that. I then asked her to speak to an Escrow specialist because I had a question. She transferred me I waited for over 45 minutes and no one picked up so I hung up. Later that evening I noticed I had a voice mail. It was a representative calling me to tell me that they placed a stop payment on my check. I called the next day when they opened and found out that this was done and on the same day I received the check, I asked if they could reverse the reversal since it was less than 24 hours. They told me no because a reissue was in progress. I decided to call back to confirm this so the next representative I spoke to said that the check was okay that I had. I asked her to confirm the check that I had was okay so I read the check number to her. She repeated the check number and said it was okay to cash. So I deposited the check into my account only to find out that it was reversed by my bank and my account is severely negative and will incur fees. I called today to only be disrespected by rude representatives and still no clue when I am going to receive this surplus money. 

Please CFPB will you investigate this company. I am a person who has blessed enough to pay their mortgage on time every month I can't even imagine how they are treating people that are not so blessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
PLEASE REMOVE 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with non-monetary relief