vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
we attempted to make a purchase @ XXXX XXXX and it was declined on our BOA debit card. we used another credit card and paid for the purchase. When I checked my BOA account the funds had been debited EVEN THOUGH THE TRANSACTION WAS DECLINED AND WE PAID BY A DIFFERENT MEANS. I called BOA, they said they would return my call in 8-10 minutes, it 's been 2 hours and I have not heard back from them. So BOA has basically STOLEN over {$200.00} from my account. # 1 ) there was over {$1400.00} available funds so the transaction should have not been declined # 2 ) if a transaction is declined why is the money taken out of my account? That 's STEALING. It will take days for me to get this money back and I have bills to pay and need that money. It is a checking account, not a credit card so this is MY money! Even though it says it " processing '' I still do n't have access to these funds.

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 2017-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: AZ

Complaint narrative:
Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I initated two account deposits from my XXXX checking account to Coinbase. Both transactions one on XX/XX/XXXX for the amount of {$1000.00} and the second on XX/XX/XXXX for {$500.00} were completed by XXXX on XX/XX/XXXX and fully funded to my account in Coinbase. When logging into Coinbase account funds show in a still pending state and unable to move money back. 

I have reached out to support numerous times and received no reply. This company is horrible, very misleading, and should no doubt be banned in the United States as this is no way to treat customers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NC

Complaint narrative:
I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX of XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the XXXX there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and opened up the following credit card accounts unauthorized and fraudulently in my name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, The accounts are fraudulent and do n't belong to me. I never ever applied for the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft, and There is a fraudulent and unauthorized hard inquiry listed on my Trans Union credit report. The hard inquiry do n't belong to me. The hard inquiry is fraudulent and unauthorized.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada)
State: WI

Complaint narrative:
Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.

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 2017-12-18 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: Innovate Managed Holdings, LLC
State: NC

Complaint narrative:
I 've tried to contact XXXX XXXX XXXX ( formally XXXX XXXX ) and they 've denied my request. I 'm filing a complaint on this judgement because it was unfair and inconsiderate. This is the letter Ive sent to them. 

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.  rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Bond And Collection Associates, Inc.
State: PA

Complaint narrative:
i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Analysts of MN, Inc.
State: FL

Complaint narrative:
Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.

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