vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
My husband and I were approved for a {$5000.00} loan at Mariner Finance and scheduled an appointment to come in to finalize paperwork on Wednesday, XX/XX/XXXX. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. 

When we came in for our appointment, we worked with XXXX. I handed XXXX my husbands ID, his social security card, proofs of income, address verification and my XXXX work authorization card ( serving as photo ID ) and my social security card because my name is spelled differently on my XXXX ID card. My SS card has a restriction on it saying, valid for work only with XXXX authorization. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasnt even required to bring in my social security card I brought it to show the spelling of my name. 

XXXX left the room with our documents and came back in. She said that she had some bad news and that they were unable to approve the loan because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was the first time anything regarding my citizenship came up. I am not on a work visa I have never in my life been on a work visa and I certainly never said anything to XXXX about a work visa. I explained to XXXX that I am not on a work visa, and I was confused about how she came to that conclusion ; I am considered a permanent resident because of my indefinite humanitarian parole status. 

XXXX then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which XXXX interrupted me and asked, but youre not a citizen? My husband then asked XXXX if she knew the difference between a citizen and a permanent resident to which she responded, no I dont. 

XXXX supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because XXXX XXXX XXXX XXXX XXXX XXXX, now its because of the social security card that I wasnt required to bring in. I tried explaining, again, that I am considered a permanent resident and that Ive applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said well then you can go apply at a different lender. I wasnt asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed an unauthorized vehicle loan that I never authorized. This has been a rough time during the pandemic tragedy

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 2022-02-04 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: PA

Complaint narrative:
DEPTEDXXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of
the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX is still on my Experian credit report even though I provide a police report about fraudulent activity. Experian refuses to remove even though other credit bureaus have already removed and protecting my file Experian refuses to assist in removing and providing assistance.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX {$540.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$910.00} XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, I was a victim of fraud. Fraud claims XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were opened with Wells Fargo. Wells Fargo denied all claims of fraud and I requested XXXX XXXX investigation documentation on XXXX XXXX. I received the documentation on XXXX XXXX, however, it was inadequate. The routing and account number where the funds were sent was not included in the investigation. This is an essential component of the investigation proving the funds were sent erroneously due to 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 2022-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-04 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: PA

Complaint narrative:
On XXXX XXXX a fraudulent account using my name/SSN/other personal information was opened. I immediately closed the account and at XXXX XXXXXXXX XXXX recommendation, contacted XXXX to place a fraud alert on all XXXX major credit bureaus. I wish to remove this fraud alert since I instead froze my credit at all XXXX bureaus. I was easily able to remove it with both XXXX and XXXX. 

I spent hours the week of XXXX XXXX trying to make contact with Experian. I tried the online self service center ( click " remove alert '' ), which indicates that my request can not be processed each time I try. I tried submitting via their online document upload and also repeatedly received errors in submitting my information. I have called over XXXX times and keep getting put through the self-serve automated system only to eventually deadend even after indicating that I want to remove a fraud alert- it will repeatedly ask if I want to add an alert and eventually disconnects. I tried asking for a representative but the auto system indicates that a call can only be transferred for specific reasons and then it goes through the auto system again and eventually deadends. Pressing zero also ends in the line being cutoff. I did go online and checked for their chat service, but status has been unavailable each time I checked this week. There is no email contact listed for consumer queries. 

I just want to request the fraud alert be removed from my Experian credit, but I can't make contact in any way to achieve 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 explanation
Consumer complaint received 2022-02-04 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: FL

Complaint narrative:
I have been battling with Equifax since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with Equifax was on XX/XX/2022, where once again ( previously submitted XXXX XX/XX/2022 ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed several complaints and they have replied what seems to be an automatic and generic response while violating my consumer rights and violating the laws by which they need to abide. 
I have submitted complaints # XXXX, XXXX, and XXXX which are now closed, and nothing has been resolved. 

In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Equifax continues to reply " verified '' by default to my disputes. 
I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX XXXX  and Equifax did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Equifax XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they have reached out to the company and it could take up to 60 days! 

BY LAW, EQUIFAX WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My loan/servicing was recently purchased by Rocket Mortgage. I set up my account with their online servicing over the phone with them and had to get my escrow accounts corrected. When I mentioned dropping mortgage insurance, they tried to push me into refinancing, even though I told them no. This was taken care of and there was no reason for them to contact me again in reference to the new servicing. They continually call me to go over my account which I already have done, in an attempt to get me to refinance my loan. They have provided miss-information about refinancing and what they could do. They continue to call and are harassing me even after I've told them I do not want to discuss any type of refinance or review of my loan, since I went through the process with them already. I'm a licensed loan originator and I work on loans every day. I know the process for removing mortgage insurance and shouldn't be told I should refinance. I told them I was not interested in refinancing or looking at any additional loan options. I allowed them to give me a sales pitch and the information they were implying was incorrect, I assume because they have inexperienced employees pushed by managers to badger clients into agreeing to speak with one of their loan officers. 

It is wrong for a company to buy a bunch of loans so that they can legally call and harass the borrowers, and mislead them just so Rocket Mortgage can profit by miss leading people into refinancing their current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
The vehicle was returned to the dealership on XX/XX/2020. The dealership had it in their possession from that date on but didn't process the lease return. It will be reflected in their records that I chacked it in on XX/XX/XXXX. After having the vehicle for over 4 months the dealership orchestrated a repossession and billed me for over {$6000.00} as if the vehicle was not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I was on forbearance with XXXX XXXX my loan is actually a XXXX XXXX. I took myself off forbearance because I got a new job and was happy to start paying my mortgage again. This was in XX/XX/2021. XXXX put me on a " trial '' modification for XXXX, XXXX, XX/XX/2021. I paid XXXX, XXXX, but mid XXXX I was exposed to a positive case of XXXX at my new place of work. I got tested and was positive within days I was ill and had to quarantine. It turned into pnemonia which extended my recovery. Because I am a brand new employee with no sick time accrued and the sick pay protections expired ..... I had no income at all and could not pay the full amount of my {$1400.00} last trial payment for XX/XX/2021. 

So I sent a check on XX/XX/XXXX for {$800.00} with a hardship letter stating I was going to pay the rest XX/XX/XXXX. I received no response. I called and was told to turn in a new Borrowers Assistance Application. I certified mailed it. On XX/XX/XXXX I received a letter of deafult and demand to pay 28k by XX/XX/XXXX. 

I reached out to HUD and applied for the CALIFORNIA MORTGAGE RELIEF grant. I am 100 % qualified and meet all the criteria. My application is stuck on hold because XXXX will not provide me with my current mortgage statement. They have been extremely unprofessional, unorganized and have told me I had nothing to worry about but when I call and speak to someone else they tell me no assistance for me is available and headed for foreclosure. Its been the most stressful situation in my life as a single mom. 

To make things more difficult XXXX has been purchased by Freedom Mortgage. The Cal Grant needs my information so they can apply the grant funds to my default past due amount. XXXX is refusing to provide that as well. I called Freedom Mortgage and they said they have no record of my loan whatsoever. 

I dont know what to do? There is a wonderful grant waiting to help me out but the red tape is blocking it from happening and the days are slipping by. 

Can someone please help me get to the bottom of this? I have a little boy I am responsible for and no family near by to help.

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 2022-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX XXXX, Attorney at Law, Bar Number XXXX Attorney for JP Morgan Mortgage XXXX. 

I received my XXXX from JP MORGAN MORTGAGE XXXX which is filing for the release of income converted from mortgage debt for the IRS. The mortgage company JP MORGAN MORTGAGE XXXX XXXX sold the debt to XXXX Mortgage in XXXX and after numerous of conversations with JP MORGAN MORTGAGE ACQUISITION about interest that they may have in my real property I have been deceived by JP MORGAN MORTGAGE XXXX XXXX stating that they have no interest. Why are they attempting a fraudulent foreclosure in the matter of my real estate? Throughout my bankruptcy proceedings both XXXX XXXX JP Morgan Mortgage were parties in the proceedings. I did not refinance with XXXX XXXX JP Morgan Mortgage sold the debt instrument to XXXX in XXXX! This is a double fraudulent transaction! XXXX maintains that they hold rights to the security debt instrument while JP Morgan Mortgage attempts a fraudulent foreclosure! How can JP MORGAN MORTGAGE FORECLOSE IF THEY SOLD THE MORTGAGE. XXXX XXXX XXXX XXXX  for the United States XXXX states that no debt be paid with any legal tender but XXXX & XXXX coin. The promissory note is the OID WINDOW IN WHICH THE PROMISSORY NOTE NULLS & VOIDS THE MORTGAGE. XXXX POLICY XXXX, & XXXX are being ignored by both JP MORTGAGE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
B of A wants to change additional {$2.00} from they already charging

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I never applied for or had knowledge of the credit card. My wife at the time opened this account using my name and social security number. I asked the bank for a copy of the original application and/or any information regarding the application of this credit card and they replied, " we can't forward you anything ''. This was back in 2020. How can anyone open a credit account in someone elses name, even if they were married at the time. The bank must have something on record if this account was opened. Their refusal to disclose information to me tells me that they were negligent on their end.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
A woman from XXXX Barclaycard extorted 29.1 % of my monthly social security check in XXXX and XXXX of XXXX. She falsely claimed the post office had lost their billing and she would lose her job if I did not make " late payments ''. She assured me " we will give it back if we made a mistake ''. My written documentation of my checking account payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my XXXX Barclaycard account XXXX XXXX XXXX XXXX expiration XX/XX/XXXX have been ignored. However, XX/XX/XXXX an employee named " XXXX '' denied the extortion and said " Prove it '' as if XXXX Barclaycard 's extortion did not occur. XXXX did say the account would be turned over to " collections '' in XXXX of last year. I look forward to a reputable collection agency recognizing this extortion as a violation of The Fair Credit Billing Act 15 U.S.C. 1666-1666j. This extortion caused my to miss minimum payments on other credit accounts. Finally, my records show a payment of {$67.00} every month by the XXXX of the month to my account ending in XXXX. XXXX Barclaycard stopped sending me billing for " non payment '' which has never been true, and my checking account records show otherwise.

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