vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 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: Rocket Mortgage, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I made a brief phone call to Quicken/Rocket Loans for an interest rate quote and refinance charge for my senior friend. I did not give my ss number or permission for access. I did not apply for a loan, as I've owned my homes since XXXX. After the call ended an alert signaled a HARD hit to my credit report. Quicken Loans had dropped my score. Additional checks were noted in XXXX. They retained and accessed my personal information without consent. I complained to management but they refused to remove the damage. I requested phone recording and/or transcripts. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: NC

Complaint narrative:
I submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
unauthorized online purchase was made resulting in a charged amount of {$960.00}. The online company was contacted and fraud was reported and online order and account/membership was canceled by the company. The credit card company was also notified of the fraud transaction and a new credit card was issued. one month later, there was a charge back by the credit card company, per credit card company, during their investigation they concluded that I personally made that online transaction and I benefited from that transaction. The credit card company was contacted once again, and I was told that they will review their decision and contact me if more information is needed for their investigation. I am still waiting for them to contact me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have purchased XXXX through XXXX XX/XX/XXXXcompany paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full

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 2020-11-15 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have purchased XXXX through XXXX XXXX  company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: NC

Complaint narrative:
I submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : 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 2020-11-15 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: ERC
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: UPGRADE, INC.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I dont feel its right I have a good relationship with Wells Fargo and decided to apply for the XXXX  card and I did and I was declined after I told them I have a fraud alert and the only reason is too many accounts opened 6 months this is ridiculous when I havent opened anything recently Im a good customer and I should be denied

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 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
there are three issues One, I had a discover card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. Discover has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. 

XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. 
Lastly, these credit companies XXXX, XXXX, and XXXX  are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: OH

Complaint narrative:
I requested written verification of an XXXX  debt that I believe was added after I canceled the account via phone and mail never received it. Then attempted to dispute it without ever receiving any mail or email documentation. The debt collector is afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
At the end of our lease new car lease financed with Hyundai Finance we decided to purchase the car. I called for payoff amount and instructions and I was given inconsistent amounts and was told I would need to have the dealer inspect the car even though we were buying it ourselves. Once I confirmed that no inspection was needed and obtained the correct payoff amount I paid the full payoff amount prior to XX/XX/20. The following month I received a call from the company requesting a payment for XXXX. I told them I was expecting the title because I paid off the loan. They put me on hold and confirmed that the payoff had been received. I wanted assurance that my credit rating wouldnt be affected and they said I would need to call the payoff department because if it was affected it was their error. When the title didnt arrive after two months my husband called and was told they sent the title to a wrong address in early XXXX. Since the address they allegedly used doesnt exist and it is different from the address theyd used for our lease bill for three years they should have recognized the error long before we called but they were unapologetic. They promised wed receive the title in 14 days. We received nothing after three weeks and he called back and was told we would receive the title in 10 days. That time has come and gone.

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 2020-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have never received an itemized bill for the charges and the medical bills listed on my credit violate HIPPA. My medical information should be protected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you

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 2020-11-15 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My identity has been stolen all accounts Inked to my SSN and name have been used and transferred to accounts in my name then to other account..i have not gave permission for any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15 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: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a call from a phone number XXXX XXXX XXXX ) asking me to provide my I-94 information to the agent. To convince me further on the authenticity of the call, he asked that I visit the ICE website to confirm that he is calling with the Washington phone number. He went on and on to say a legal file has been charged against me. He asked me to read loudly the rules/laws on the ICE website, he said I was under investigation and my crime is that I didnt file my alien registration number on my I-94. 

While on the call with him, a number was calling me repeatedly and he asked which was that? I said I dint know so he asked me to call out the number and he said I should check on the internet to find out who it was. I checked and the phone number is for the XXXX Police Department. 

He threatened that the Police have been given a warrant to arrest me and they are on the way to my house. The call was transferred to another lady who spoke to me about whether I choose to be arrested for my crime or I want to pay a Bond. The XXXX police Dept number also called and spoke with me about my arrest threatening that I have 25 mins to pay the Bond. 
I was made to transfer a total of {$2900.00}. After which they asked me to pay another {$490.00} as late payment fee. It was at this point I ended the call because I realised I had been hypnotized and scammed. 

The request for late fee got me snapping out of the hypnotised state. 
I ended the call and immediately called my bank to explain everything that happened. 

Note : Gave his name as : XXXX XXXX Batch No : ICE XXXX Police officer called with ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They issued me a Bond ID number : XXXX XXXX I was threatened to send money to XXXX XXXX proposed to be the legal attorney in charge of my case. She gave her number to transfer my Bond via my bank transfer - XXXX. I transferred {$970.00} three times as they instructed me.

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 2020-11-15 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-11-15 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: DISCOVER BANK
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation