vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2021 I signed and personally delivered to Truist XXXX, XXXX XXXX XXXX, XXXX, GA my signed XXXX XXXX XXXX Notice which will be attached to this complaint. The XXXX XXXX XXXX after an hour of determining what to do with the document, handled the transmission of the document to the appropriate department. The bank ignored this XXXX of XXXX and reported the loan to all three credit bureaus on XX/XX/XXXX. The HELOC was new and not a refinance and therefore complies with the XXXX day right of recissoin and nothing should have been filed or opened until XXXX XXXX, 2021. The Bank also filed as of XXXX/XXXX/XXXX1 the Security Deed against my property. Recorded in Deed XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The bank is aware of the issue because it has assigned someone from its XXXX office to investigate. The bank is in violation of XXXX XXXX. The bank is not doing anything to clear this matter except talk.

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 2021-11-22 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: TX

Complaint narrative:
I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the XXXX investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
ref : XXXX, XXXX On XXXX I attempted to purchase a rug thru XXXX. and finance the rug via Affirm. The sale did not go through. However, the account with Affirm was originated and set up. I corresponded with rugs.com by phone and e-mail. The e-mails confirm I did NOT order product from them. I reached out to Affirm and they continue to put up roadblocks. They will return an e-mail asking for e-mails in a PDF, saying they need more time etc. Total run around.. 


When I try and upload the documents ( e-mails ) from XXXX that clearly states I do not have an order all it does is spin.. Is their another avenue like e-mail to send them??. I have sent the e-mails form rugs.com to Affirm stating I did not place an order on XXXX, XXXX and XXXX - XXXX keep getting the run around. 



I have cut and paste XXXX of them... Realize this is not the best option but I will keep orignals : Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX | XXXX Customer Satisfaction XXXX XXXX : XXXX Number XXXX Dear XXXX Thank you for contacting us. 

We do apologize if your order did not went thru. 

It was my absolute pleasure to assist you today. Thank you for choosing XXXX to supply all your rug needs. This represents your faith and trust in us. 

Please let me know if you have additional inquiries and I'll be glad to assist you further. 

Sincerely, XXXX | XXXX Customer Satisfaction XXXX XXXX Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX XXXX XXXX  Customer Satisfaction XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX XXXX XXXX to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX left on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 Credit inquiry XXXX I have had lack of support during this tedious process. Contacting this bureau has been of no use and ineffective when it comes to handling these inquires. As consumer i feel very violated, Compromised and ultimately devalued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I set up my online account with the XXXX XXXX XXXX credit card backed by TD Bank. I made my regular monthly payment and set up automatic payments so that my payments would be automatically drafted from my account. On XXXX I get my statement that indicates that I missed a payment and have a past due amount of XXXX plus a late fee of XXXX. I called TD bank XXXX times on XXXX and asked to speak to a supervisor of the XXXX times I was hung up. The XXXX supervisor XXXX indicated that there was an issue with their online portal when making payments and setting up a reoccurring payment and that it was corrected now. Upon review of my account I noticed that TD bank reduced our credit line from XXXX to XXXX which has the card maxed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the third investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates is reporting a debt that I owe {$5000.00} to them. I asked them to sent me a signed contract between them and myself and they havent sent me a copy of a contract as of yet. I been disputing this issue for the past XXXX years with no proof or results from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX 

Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. 

As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. 

On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. 

The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX  years ago I hired XXXX XXXX  This company of their own freewill as a credit collector accepted payoff agreement I was able to satisfy debt andXXXX XXXX allowed me time to repay them. 
All parties were affirmed and satisfied all paid much time later the debt collector files against my credit rating resulting in my credit rsting falls by 37 % and they usually file with irs for a 1099-C showing I had unearned income All False BUT we as citizens have no cnduit to protest resulting in irs demanding payments with resulting fees interest etc I worked to restore my credit rsting. I used every legal anner to assure payment. 
I am now burdened once agan by debt collector and eventually irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for XXXX months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch XXXX XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford XXXX. My references for the loan are being constantly pestered. 

In accordance with the " XXXX XXXX and Collections Privacy Act '' : XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. 

I am sorry this has happened, but this is the situation that I find myself in. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom it may concern, I sent a Method of Verification Letter on XX/XX/2021 by certified mail to XXXX, Equifax, XXXX, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XX/XX/2021 and XXXX XXXX. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over XXXX days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XX/XX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original XXXX of XXXX XXXX. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I was contacted by Rocket Mortgage to offer a refinancing plan. The agent suggested a good % rate, and I agreed verbally to proceed. He asked me to sign a form accepting to the {$500.00} Fee, using a e-signature signing ( used touchpad ), and stated this was needed to lock in the rate. ( XXXX ) I received a bunch of forms to e-sign on XXXX XXXX, but the fees, loan amount and structure didn't reflect our discussion. I didn't sign anything. Texts and phone calls and emails exchanged on the discussion. The agent was forceful in telling me it's ok to sign, these were estimates, and the final closing docs/loan will change upon the closing, but i didn't agree to this. I requested he recalculate to reflect our discussion. He didn't do that. I waited 2 days, and then emailed him to withdraw my loan application, XX/XX/11. On XXXX, my CC was billed {$500.00} " unauthorized '' by me. Also, Rocket Mortgage contacted my current lender requesting a close-out, on XXXX. I was charged {$25.00} and XXXX XXXX issued me a " Goodbye '' letter. I had to reach out to tell them, i didn't agree to refinance with Rocket Mortgage, and am still trying to get that fee reversed. I reached out to Rocket Mortgage to have them credit my CC back the {$500.00}, and they said they were going to charge me {$42.00} for the Credit Report, noting that i agreed to pay any fees, in the initial discussion, XXXX, and they sent me the form i signed. I don't believe this is acceptable behavior, and any charges should be tied to an agreement on loan structure upon closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. 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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My identity was stolen by XXXX XXXX got me owing a {$190.00} to chase bank and also other companies

Company response to consumer: Closed with explanation