vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BROKER SOLUTIONS, INC.
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX, I agreed to the refinance mortgage terms offered by senior loan officer XXXX XXXX at New American Funding. I was issued a Loan Estimate and signed the necessary documents to begin the loan process. 

On Saturday, XX/XX/XXXX, via email correspondence I inquired about making sure our rate was locked in and how that would work with the holiday weekend. XXXX replied that same day : " We can lock in the rate once we have received the e-signed disclosures and the below documents needed for our processing/ underwriting team. On Tuesday once the market opens up, we should still be fine and if anything worst happens in the market, I will have management take care of it ( your in good hands with me ). '' On Tuesday, XX/XX/XXXX, I began uploading the requested documents and was again in correspondence with XXXX via email. He never mentioned a single word about any changes to the loan terms. 

On Wednesday, XX/XX/XXXX, XXXX called me to confirm that we were locking in the loan as all documents had been received and everything signed. He assured me I would be hearing from the appraiser very soon and we would be closing on the new loan in less than 45 days. Again, he never mentioned a single word about any changes to the loan terms. 

On Thursday, XX/XX/XXXX, I received an automated email from New American Funding with an update to review and sign loan disclosures. When I opened these documents I found a new Loan Estimate showing a {$13000.00} increase in the loan amount, a {$4500.00} increase in origination fees and a more than double increase in discount point costs. 

I contacted XXXX immediately to let him know I did not agree to these new terms and that if the loan he was now offering did not match what we previously discussed, we were no longer doing business. His response was somewhat curt and he made no attempts to rectify but simply wished me the best of success. 

I believe his failure to inform me of such changes was completely intentional and deceptive. I had specifically reached out to him about wanting to make sure that everything locked in and stayed the same, to which he assured me it would, so he was very aware of my desire to stick to the original terms. He made it sound like the phone call was simply a formality to lock in the loan. At NO time in writing or verbally did he express a change in rate, a change in closing costs, or a change in origination fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is an account reporting but I have never had an account with XXXX XXXX XXXX XXXX XXXX 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXXXXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my Transunion and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TN

Complaint narrative:
I'm a victim of identity theft and fraud against me.I have already made proper reports with appropriate agencies and am still going through it and it's exhausting and relentless especially with companies who don't do their due diligence and ask for proper ID or background checks, if they did these examples would be less of a headache I'm already going through.So I was pulling my credit report and found this, no phone call, no documentation, no validation so I could even dispute to remove.Was only made aware of this fraudulent activity against me by pulling my credit reports for another problem.I immediately called and was met with a rude hostile person whom I told who I was and this is a result of my identity being stolen and fraud against me in so many words, and they haven't even did the bare minimum of validation by FCRA standards i believe there supposed to at minimum, not even a phone call, and it's because it's not mine it's fraudulent against me and should immediately be removed, met with refusal of course.Did find out where my stolen identity was used this time was from XXXX XXXX somewhere in Texas where I never lived.I called XXXX XXXX and spoke to a XXXX  and told him this was not mine and a result of identity theft and fraud against me and they didn't even call much less provide validation ... because it isnt mine and don't exist, but I repeated he needs to send me validation so I can turn documents over to identity theft, he refused.This is false and fraudulent negligent credit slandering reporting and needs to be removed.This has gotten so twisted and theyve gotten away with this so long without accountability its very distressing and disturbing.Im not very good with putting thing into to words, but i think my point is made thus is wrong.I did however dispute and report this with a couple agencies so far afterwards and will vigorously stand angainst all wrongs against me and will continue to stand for whats honest and right even if i have to stand alone.Thank you and please remove all false and fraudulent credit slandering reports against me as we consider further proper options to deter these bad practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2023 : I contacted a health and fitness website named XXXX on their website, they directed me to apply for a course in coaching for diet and exercise. I told him I would have to talk to my husband, I made a mistake and put my info in to see how much the loan would cost ( XXXX would not tell me, he said he needed control of my computer ). I wanted to see if I could afford it. XXXX told me to click a link to Affirm.com a Credit and Loan Company. They said We'll email you as soon as your loan is confirmed, and at that point, your payment plan will start. For your {$2900.00} loan, you'll make 12 monthly payments of {$240.00}, with an APR of 0 %. To view your loan details, sign in to the Affirm app, or go to affirm.comXXXX 
Enjoy your purchase! Until your loan is confirmed, it will show as processing in your Affirm account. That's nothing to worry about! 

I contacted Affirm.com, to cancel the application but they ignored me and processed it in record time and have already sent the money to XXXX. I contacted Affirm and XXXX  to CANCEL within less than 20 hours, while the loan was still in process. Instead they processed everything in record time to the tune of {$2900.00}. This was bate and switch. I am a XXXX Veteran and a XXXX XXXX. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I would love to think that a Company founded by a CEO whose own personal challenges with Credit, would make its money on the backs of people who are on their own credit restoration journey. It is disappointing that after having THREE separate accounts, ( all paid off ), would then report an inaccuracy to my credit report once you have satisfied your debt. He claims to have his company work towards a solution to fix the problem with Credit and credit scoring, yet this company is the reason why so many who believed in his solution are being set up to fail! Furthermore, the inability to communicate with the " Customer Service '' at Self Lender is the absolute reason why I am in the predicament that I am in. I am beside myself that a " late payment '' towards YOUR OWN MONEY can diminish all of your hard work. I am in the process of researching and obtaining an attorney to begin CLASS ACTION LITIGATION and INVESTIGATION in to Self Financial. Thier investors should be ashamed of themselves as should the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Payactiv, Inc.
State: IL

Complaint narrative:
A credit card in my name was opened at Payactvi  : XXXXXXXX XXXX XXXX XXXX It was used to to steal about {$3000.00} from my XXXX account. My bank will not cover the funds .They say the can not prove it was not me. It took place XX/XX/2023. I called and informed them that it did not order a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and 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 2023-09-08 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: LA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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 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 2023-09-08 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: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: CO

Complaint narrative:
My son passed away XX/XX/2023 I obtained all legal paperwork to access his account and went to his bank needing to look in safety deposit box for a will. told XXXX XXXX this presented all paperwork and was denied access and received no help whatsoever. Was told they had to process through their legal dept. and could take up to 5 days didnt want to caus a problem at that time so left. Now 15 days later and never heard anything from bank I tried calling and was put on hold for XXXX minutes til bank closed and disconnected. I called XXXX Police to verify I was within my rights and was told they could meet me there to assist so XXXX I returned to bank and was greeted by a very confrontational counter person and was told you want to call the police go ahead at witch time XXXX XXXX branch manager came out and called me to her office and was still denied access. After heated discussion she called her corporate office and was told to close account and give me access. Should never be this hard I will make sure everyone I know knows about my experience with Key Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation