vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
The data that you showed in my credit report I previously requested a proof of how you managed this. You can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
XXXX XXXX is reporting the account attached incorrectly. The open date on XXXX and XXXX is XX/XX/2015 and on Transunion its XX/XX/2015. The past due amount on Transunion and XXXX is XXXX and on XXXX  its XXXX. On Transunion and XXXX it shows 120 days past due and on XXXX  it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.

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 2021-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
A XX/XX/2020 charge of {$170.00} was an online purchase. I received the wrong items from the company and returned them within their return policy. The return and dispute was started in early XX/XX/2020. I sent in documentation showing the XXXX shipping details, the delivery and signing of the package and the compliance with the return. Since then, every week I've called customer service and the dispute department at Capital One. After 2 hours on hold each time for them to review the case, I am told that everything is in order and that a credit will be applied in 2-5 business days. It never comes and then the next week I repeat the entire thing. It's been 2 months and they haven't returned my money. If it was the reverse situation I would have been charged interest and late fees. So I am requesting the same thing. Upon asking for management or a compliance department, I was told that neither exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet. I don't have a record of this record that always had a place with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
This is a follow up to complaint XXXX. The short story is we had our house burn down on property related to loan XXXX ( XXXX XXXX XXXX XXXX ) and received a full dwelling payment of around $ XXXX. The check was in UWM name and myself and my wifes so we sent it to UWM in XX/XX/2020. By XX/XX/XXXX the loan showed as paid off, which means they cashed the check. The loan was for around $ XXXX, and therefore we are due the equity of the difference which is $ XXXX. They've had multiple processing issues, incorrect address, stop payments etc. Long story short is it's 3 months after I sent the check and we have not seen our equity check of $ XXXX. Every time we call or email we are told " it's in the mail '' or " it will be overnighted this week '' or whatever the lie is that day by whichever incompetent employee happens to answer the phone. 

The company responded to our previous complaint and sent a {$25.00} gift card, which funny enough got to us before our $ XXXX. A true slap in the face. I emailed a lawyer tonight. The most recent correspondence from a manager named XXXX via email said it was in the mail on XX/XX/XXXX. However it's now 8 business days past that, I've never seen mail take that long. I have reason to believe they are lying, as they fail to show any proof that the check is in the mail. 

We NEED our money. We have severe emotional and financial stress from teh delay of this company. And all you need to know is on their XXXX page. Endless reviews of incompetence and horrible customer service. STAY AWAY FROM UWM at all costs!! I'd rather pay a % higher than deal with these scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to request a downgrade of my wells Fargo propel card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the propel card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from wells Fargo stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe wells Fargo anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with wells Fargo bank tellers and two Case Specialist in the Wells Fargo XXXX XXXX XXXX XXXX, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, Wells Fargo continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with XXXX and XXXX said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.

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 2021-02-02 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: TX

Complaint narrative:
Data breach information was compromised. don't recognize account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
I reviewed my credit report and noticed a few unauthorized inquiries Federal  Student  Loans are from the same company but each Bureau is reporting and showing something different percentage of money and late payment dates are all in accurate!

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 2021-02-02 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: TX

Complaint narrative:
Date Breach information compromised. Don't recognize information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: ClearPath Lending
State: AZ

Complaint narrative:
On Friday, XX/XX/2021 I received a phone call from a home mortgage originator company called ClearPath Lending. His name was XXXX XXXX XXXX, XXXX ID # XXXX. They are the company who did my last refinance on my house. He asked if I'd be interested in doing another refinance into a lower rate. I asked him how much lower would my payment be. He said he didn't have the details in front of him but would go look it up and call me back in a few minutes So, I said OK. A couple minutes after we hung up, I received a series of messages in my email that some company called XXXX XXXX  had just made a hard inquiry on my credit report. I had never heard of them and I got scared I had become a victim of identity theft or something, so I was freaking out! A few minutes later Mr . XXXX called me back. I immediately asked him if he had just run my credit. He said yes. I told him he did not ask my permission first and I never wanted my credit run! He apologized and admitted that he did do it without permission and I told him to fix it. He said I'll get in touch with my manager and see about a gift card for you. I yelled at him, telling him I wasn't interested in his gift cards - I wanted the inquiry removed. He has done nothing to fix it yet.

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees after I made a withdrawal. The problem is that they first limited me to only XXXX, and immediately after allowed me to take out XXXX, and then XXXX. They forced me to take it out in 3 separate transaction and had the audacity to charge me XXXX dollars for each transaction. Then they charged me again XXXX dollars for a withdrawal I made on the XXXX even though I made a deposit that same night. Today I found anew charge of XXXX I had no idea what it was for so I called them and they said that it was for the XXXX because 3 payments were processed that day. So within the span of two days TD Bank charged me XXXX, XXXX, and XXXX again just in overdraft fees for a total of XXXX dollars. It's outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
We applied for a loan for a Primary Residence Condo in Florida asking for 10 % down and were advised on a recorded phone call by XXXX XXXX on XX/XX/XXXX2021 that this was doable as long as the condo came back as a type A property and not a type B property, which would be 25 %. On XXXX a loan estimate for 10 % down was generated and sent to us and we rate locked and signed. Later he advised if we wanted to meet our closing date he was still uncertain whether it was a type B or A and he would need to start the paperwork with a 25 % estimate until he received a response from his back office stating A or B type. On XX/XX/XXXX an e-mail was sent by XXXX stating it was type A. We kept submitting paperwork requested and near the end, 5 days before the closing, a new loan estimate was generated with more points than we had agreed to and still at 25 % down. We asked to have the rate lock honored and eventually a supervisor adjusted this but told us the 25 % down is the best Rocket Mortgage can do in the state of Florida on a condo and that type A would be 25 % down, type B would be unavailable for a loan. We were basically 'bait and switched ' after we had paid for the appraisal and had our credit scores pulled. I do not know if this is illegal but it certainly is near fraud like behavior to me. To have them request all my personal documents, and ding my credit score on a lie that they would provide a loan at 10 % down and then later on say that was never actually on option is 'truth in advertising ' violation on the initial request as we specified Florida condo and 10 % down, or sale 'bait and switch ' fraud as the salesman knew our intention and strung us along only to change the rules later on. As a result of this lie we are out of time on our purchase contract. The seller had a higher contingency offer so we will most likely lose our deposit, the property and we even already paid them XXXX for an appraisal. If we had known 10 % was unavailable we would have gone with XXXX XXXX, whom we had already started the process but would take 45 days instead of the 30 days we needed and the reason we went with Quicken Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
I originally applied for a mortgage with Loan Depot in XXXX. On XX/XX/XXXX, my wife and I selected out of the following 2 options, 1 ) no cash out refinance@ 2.85 % interest fixed 30 year, 2 ) cash out ( approx {$18.00} ) refinance@ 2.99 % 30 year fixed. We selected the 2nd option ( cash out ) and signed all the documents in ink on XXXX XXXX XXXX. The next process took a very long time due to several mistakes on the part of loan depot and their selection of what needed to be signed in ink and what what appropriate electronically. 

My former mortgage with XXXX  XXXX  XXXX  was paid off by loan depot on XX/XX/XXXX. However, the cash out portion was never funded by Loan Depot. I still have no received any sort of answer on how this is being funded ( direct deposit, check, etc. ) or an estimated date as to when. I have been contacting all of my contacts and customer service with Loan depot literally daily. I received a mortgage statement on XX/XX/XXXX for a payment due on the loan as per the terms I laid out in option 2. 

So to recap, my refinance has not been fully funded and yet Loan Depot is charging me interest on this remaining amount not yet funded and they will not return any correspondence. 

I certainly hope you can help me get to an equitable solution with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

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