vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I used to be in forbearance with my mortgage company XXXX XXXXDovenmuehle since the pandemic started in XXXX XXXX. In XX/XX/XXXX, I chose to refinance with a different lender and requested my forbearance end and so I can begin process to refinance. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX repeatedly ignored requests for records from myself and from lender I was working with. The new lender needed to verify information I provided was correct, dates were correct of forbearance starting and ending, etc. XXXX XXXX at some point in XX/XX/XXXX provided false information to my lender who did their best to use for the refinance but the underwriter ended up rejecting it in XX/XX/XXXX and requested documentation again from XXXX XXXX, which they ignored and didn't provide. My understanding, a lender or mortgage company MUST legally provide documents requested by the customer. They repeatedly ignored or send false information. In XXXX. XXXX I had to give up my refinance process due to this and due to the rise in interest rates. Since XXXX XXXX I have been dealing with XXXX XXXX to get back on track with my account and have made consistent payments and they have provided several options, including deferral of outstanding balance to place it at end of the loan. In XXXX I made $ XXXX payment to help start this process and now I'm being told this is not an option. This is the most frustrating company I have dealt with that lies and lies on each phone call. Which takes me XXXX to be on hold. They are trying to wear me down and have even added late charges to my account. Each time I talk to a Rep, they don't know status of my request and put me on hold for long time for a Supervisor. Still nothing is resolved. Please look into these deceptive practices. I have witnesses of the lender I was trying to refinance that can provide statements if needed. At this point, what can someone do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: PA

Complaint narrative:
To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC Account Number : XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXX PA XXXX Thank you for your time and help in this matter

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 2022-10-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MI

Complaint narrative:
I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, XXXX and Experian.I would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I sent XXXX 's friend to XXXX {$500.00} a month ago, but he can't get it. I need a number to return them. My friend can't get money. He gets the message : transaction rejected. It used to be easier when I called and they gave me a number for a return receipt, since I paid in cash. I have not been able to get my money back from Western Union for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA
State: AK

Complaint narrative:
On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX  to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Financial received my coupon that I sent out on XX/XX/XXXX and it was delivered on XX/XX/XXXX. I have receipts that it was delivered but I didn't get my returned XXXX registered receipts mailed back. I have sent them the payments according to the XXXX which they have failed to credit my account in the full amount. The Respondents is violating my rights to discharge according to XXXX XXXX XXXX XXXX. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. XXXX XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, UCC 3-104. NEGOTIABLE INSTRUMENT, 3-419. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, 15 U.S. Code 1666b - Timing of payments. Therefore, Synchrony has violated my rights.

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 2022-10-13 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: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
These Financial Intuitions are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant. 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXXl XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 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 non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
On XX/XX/2022 I received a phone call from Rocket Mortgage regarding my deceased parents loan. This was in response to my inquiry of assuming their loan. I asked that I assume this loan according to the Garn-St Germain Act that states I do not need to credit quality as I am the successor heir. The broker XXXX XXXX was hostile and raised his voice on the phone and said that is not the way they do business and when I mentioned that I wanted to check with my attorney, he said get him on the phone now! He then sent over an email stating that I would need to credit qualify in order to assume this loan. 
The bank has requested the credit file for my wife that has nothing to do with this loan. They have refused to comply with this act designed to protect families that have been living in their home when the borrowers dies. I want to assume this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: NV

Complaint narrative:
I have previously disputed this bankruptcy with transunion and in response transunion verified the item as accurate, stating that they ( transunion ) have verified the bankruptcy with the court. I contacted the courts and the response was mailed to me via usps from bankruptcy court. I mailed the response certified USPS mail along with other documents. It is clear they do not report to NO credit reporting bureaus nor do they report to third party companies for that matter ; therefore transunion original response verifying the bankruptcy with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately! XXXX XXXX is a third party agency and they can not verify anything! XXXX XXXX did not verify anything with transunion.

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 2022-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX XXXX XXXX Old Navy, 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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I was charged a fee that has no contractual obligation by XXXX XXXX XXXX in XXXX XXXX  I owe them a portion of the debt, but XXXXXXXX XXXX of the XXXX XXXX debt was added despite the fact that I followed the contract when leaving the apartment. I performed the actions required by the lease, and inquired about any steps not mentioned in the lease. I was ignored. When Genesis contacted me, they would not investigate my claim that I did in fact follow the letter of the contract, and told me that they would not communicate via email, even though XXXX XXXX XXXX XXXX. They are hurting my credit and misusing the credit reporting system. They currently are refusing my request for the recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2022 I received a call from XXXX which is the US bank XXXX XXXX XXXX  and also the bank that I Bank with. The person on the line said that they were with the fraud department and that someone was trying to access my funds via XXXX I explained to the representative I had never used them and so I did not know how that could be happening or how it worked. The representative told me that I needed to follow her instructions in order to catch the person that was trying to access my funds. So I assumed it was legit since it was coming from the XXXX XXXX. I have that number in my call log it called me XXXX XXXX on that XXXX. I unknowingly followed the representatives instructions which gave someone access to my funds and sent them {$2000.00}. The representative assured me I would get my money back as they were tracking the person who was doing it and trying to catch them. The following morning I went to the bank and spoke to a representative and also called the XXXX department and they told me that there were similar scams going on within their bank and that they knew it was fraud and that they would launch an investigation and refund my money in up to XXXX XXXX XXXX XXXX later I received a letter stating that they have denied my claim and that I will not get my funds back. I need help I have been banking with this bank for XXXX XXXX I am a XXXX XXXX XXXX XXXX who has been on his job for XXXX XXXX I get XXXX XXXX XXXX XXXX. I really need help getting my money back and can not afford to be without my {$2000.00} as I have a family to take care of and bills to pay. The bank needs to follow this money and see where this money went and also do an internal investigation since the number that was calling me was their XXXX XXXX Can you please help me get my money back?

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
The following complaint concerns Huntington Bank. On XX/XX/22 the put a freeze on my business checking account. The reason for the freeze was some type of issue 2 checks I deposited. Huntington Bank was never specific about what the issue was with the check. The check amounts were around {$1300.00} and {$3100.00}. Both of the checks were issued from VIP clients and vendors. It was discovered that both checks had actually cleared the banks they were issued by on XX/XX/22. 
They froze my entire checking account on XX/XX/22, with no explanation. 
Dealing with Huntington is a practice in futility. No one there is able to provide definitive answers, or instructions on how to proceed in re-establishing our account. We were told over and over again the account would be un frozen in 24-48 hours, this has never happened. We continue to spend hours dealing with the branch managers, the call centers and the employees. In the meantime our checks have bounced, including a payroll. 
Our reputation with our vendors and employees has been jeopardized. 
This type of conduct by a bank is completely unprofessional, and unethical. 
Are banks allowed to freeze accounts like this? 
Someone help.

Company response to consumer: Closed with monetary relief