vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX, I received a call on my private unlisted number from Portfolio Recovery. I asked them multiple times to stop calling my phone numbers. The have been harassing me with continued phone calls for the past year now. I have asked him many times when they .called to please stop calling my phones and take me out for their call list. I've told them multiple times that I was going to report them if they don't stop calling me and today I filed the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2020, I applied for a mortgage ( refinance ) through RocketMortgage.com. According to the website, because I have a townhome, I needed to contact RocketMortgage via phone or chat. I chatted in and spoke with XXXX XXXX at XXXX. XXXX emailed me and I replied to him with the competing loan estimate that i had. On XX/XX/2020, XXXX texted me to review my loan application, at which point my credit had already been run and he was supposed to put together the loan package for me. As of XX/XX/2020, I still have not received a loan estimate, and while attempting to contact the company, have been transferred to three different people, including people who are not licensed in my state, such that they are unable to help me. It has been a huge waste of time, a hit on my credit, and terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.

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 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
XX/XX/XXXX I made the claim for a family inheritance at Citibank NA. After completing all documentation requirements dated XX/XX/XXXX Citibank issued and gave me the legacy fund beneficiary change document. Subsequently for the delivery of the legacy funds Citibank has a bank account in my name for which I provided the respective accesses and I can enter my bank account where the deposit corresponding to the legacy value is. From this bank account I generated my original statement which I currently hold.In addition, I was instructed that in order for me to transfer the legacy funds to my bank, I had to pay the inheritance tax and dated XX/XX/XXXX I received the letter from internal revenue services ( IRS ) without being told the value of the tax I had to pay to comply with U.S. law. I paid this tax for which I sent the receipts to Citibank. After paying the tax and sending the documents to Citibank he told me that because it took me 3 months to pay the tax because it was a large amount my bank account that originally aired me had been frozen and canceled so to move the legacy funds I had 2 options : the first option was to open a new bank account and the second option was for Citibank to send me an international transfer of the funds. I opted for option 2. The bank requested all my personal data which I sent them and dated XX/XX/XXXX made the international transfer for which it sent me the original proof. After 8 days and not receiving my money, I contacted the Bank and was told they were going to find out but I no longer had an answer. on XX/XX/XXXX, I contacted a senior Citibank executive for which I prepared and sent a letter of complaint detailing the above. Citibank 's senior executive moved my complaint letter to the Citibank Executive Unit and on XX/XX/XXXX I was told that they had received my complaint and that I would give them 15 days to conduct the corresponding internal investigations. On XX/XX/XXXX, after the corresponding investigations were carried out by the Citibank Executive Unit, it requested my original bank statements where I requested my bank transfer in order to verify that I have not actually received my money. I sent them my original statements from XX/XX/XXXX to XX/XX/XXXX as well as a copy of the international transfer receipt they sent me. After receiving my information I was asked another 15 days to review the information I sent them. On XX/XX/XXXX, Citibank 's Executive Unit told me that if I wanted to get my money I had to file a complaint with the appropriate authorities.

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 2020-09-09 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: IL

Complaint narrative:
On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XXXX of 2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: TX

Complaint narrative:
I have been paying on a past due account ( Lending Club ) to XXXX XXXX for over 1 yr already and every time they try to settle with me and I tell them I cant they get very upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Please see attachments XXXX XXXX from Round Point Mortgage call me today asking for a copy of the missing payments and the $ XXXXcheck payment he wanted me to send him a copy of what I had. I ask him about the new money of {$21000.00} he did not give me a concrete answer only to keep referring to the missing funds it appears he was very concerned even gave me his personal phone number to call him back with the information he wanted, really sound suspect to me because when I ask him other questions about the loan he just went back to the missing checks situation. I told him he can email me like he did once before because I like to have everything in black and  white but he insisted on calling me over the phone.

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 2020-09-09 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: TX

Complaint narrative:
This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ).

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because Equifax is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my Equifax report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Equifax MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello My name is XXXX XXXX, I [ me and my wife ] received a FHA mortgage and it wound up in the hands of Wells Fargo XXXX Al. Although we have made regular payments for the last 10 years and paid down to 80 % of the original appraised price. 
I called and requested the mortgage insurance be removed, I was denied and told I could request again at 78 %. Why is this? I have NEVER been foreclosed on, I have a good credit score, and we make good salary. Why should I be forced to continue to pay this insurance to the ones who own the loan and set the appraisal. I was told by letter, after I had spoken with them on the phone the PMI could not come off until 78 %. 
Was told I could send {$1500.00} applied to principal would get to 78 %. But it could not be removed until 78 %.

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 2020-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When Hurricane Irma affected my home, I entered in a Foreberance Process with Bank of America due to the natural dissaster, in the midle of the process Bank of America sold my mortgage to another Servicer and reported my account as MORE THAN 120 DAYS PAST DUE, I call them and tehy told me they woul fix the problem with the credit bureau, They didn't do it and now I am having problems refinancing my home mortgage, this false/maybe ilegal information is in all three credit bureaus, how come in the midle of a hurricane economic problems they do that to a customer, selling the mortgage ( wich is ok ) but reporting it as a delincuent. They lied to me telling me they was going to correct it and they did nothing, now my interes rates are going to be impacted by that irresponsible actitud and bad service.

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 2020-09-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-09 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: IL

Complaint narrative:
On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

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 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was a victim of a id theft as well as my credit was destroyed in the process, so I worked with a ton of regulators from ATTORNEY GENERAL, CONSULATE OF CURRENCY, FDI, FTC, DEPARTMENT OF BUSINESS AND INDUSTRY, and it is there that I learned certain laws or guidelines that Creditors have to follow. As far back as XX/XX/2020, I spoke to manager at the XXXX at the XXXX XXXX branch in XXXX, TX of TITLEMAX. I was getting several several calls a day even after I spoke to someone in the office or left word. I also indicated to not call my cell and leave a message to call my other number if you needed to get a hold of me, I Was having issues with speaker on the cell. I also let him know as COVID just started that I have extremely high XXXX in my XXXX and XXXX and i sometimes get very sick for few days on end. From XX/XX/2020 til XX/XX/2020, I had to repeat myself to XXXX and I had to leave messages on their answering machines and letters as XXXX promised not only would not get so many calls, but that they would call the other number. I made it very clear if I was needed to get a hold of that the other number was the one to reach, and if I needed make a payment my friend could do so. However, fI Was sick for several weeks beginning of XXXX and I let TITLE MAX know as well, I let the know that there was issues with unemployment payments due to congress not being able to come up with a resolution, as well I got call after call after harassing call only on the number I made very clear over 20 times not to call. Infact to date the number I Asked them to call has not had one call,. As well in XXXX XXXX said after I made my payment for that month he was gon na take {$200.00} off for me being good client, but he never did. I left word I was very clear, i said once the {$200.00} i was owed was paid, I would make a payment, and unemployment just kicked back in a week ago with back pay, but the repoed my car. I even told them I had to take in for timing belt and the car was hit while I Was sick, and needed repair, I got NOT ONE, NOT ONE phone call on the number i asked them to call, I realize what they were doing, it was a bullying tactic, it has been a year since I had the loan, I have paid well over {$5500.00} in interest on a {$3100.00} loan, but everyone knows titlemax will get your car after you pay a year so they can get twice as much money. The, totally disrespected me, harassed me, lied to me, I had not issue making payment, I asked for the {$200.00} to be taken car of them I would make the payment, not one call came in on numnber I asked them to use, instead the played games leaving dozen calls a week and several messages that were not understandable due to the speaker, however, I have wittnesses, copies of paperwork and then some that I asked them to call the other number and all the other things I referenced here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted the attached documents to XXXX, TransUnion and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

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 2020-09-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation