vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On or aboutXX/XX/XXXX I contacted Quicken Loans on line. Explained my situation. Family buying home from family. Home worth alot more than money needed. I wanted to buy my house from my parents. They owed XXXX XXXX XXXX and wanted to get some money out of it for travel. I explained this to mortgage banker. She told me that we could use equity to pay off XXXX XXXX and money that i would borrow would go to them. " they will walk away with 35 thousand+ '' I understood that the equity would pay off XXXX XXXX pay closing costs and I would have my house back and they would have 35 thousand + to do what they wanted. I uploaded all required documents in the following days. We needed a new survey we need an appraisal house came in at XXXX XXXX. Quicken Loans gets a house worth XXXX XXXX for the XXXX that I borrowed and my parents got {$4900.00}. This was not was we were lead to believe. Quicken Loans lied to me, said that we would have 35+thousand dollars in cash and I would have a loan for my home. I feel like it smells a little like fraud. Spoke to Executive Dept at Quicken Loans and he says there is nothing they can do. Yes there is. They can do what they said that they would do and give me 35+thousand dollars for my parents.. They are the EXPERTS. Give me ALL the FACTS and be transparent. Do n't lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: SC

Complaint narrative:
Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX  regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). 

I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Applied for the card did n't know that they would run a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: TN

Complaint narrative:
I do n't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I have been trying to pay my walmart store card and the refuse to let me pay it. 
I have tried to contact them via email, website, chat, and telephone. Both Walmart and XXXX XXXX. 
I received the card in novemeber, used it to purchase gifts in XXXX while in the US. 
I have moved to XXXX and on coming here planed to pay the amount due from here, just like with any other company. 
Their website however would only allow me to pay it by checking account, which must be in the usa. I no longer have an account there since I moved here. I then tried to pay walmart via their customer service, but they would not help me and said I needed to contact synchrony, they refused as well to help me. Then I got transfered to 2 more people who told me the same, you are not permitted to pay with a bank account outside of the us or even with a Visa, Mastercard or debit card. 
XXXX, the last person they had me talking to tonight XXXX XXXX, XXXX at XXXX ( XXXX time ) says that she has no other options, they will not take credit card payments for it unless I go to walmart ( which is XXXX miles away ). I had a store card in the past and you could always make online credit card payments. 
I thought I should report this to someone, because I am sure I am not the only person they are doing this to. But it would seem they are trying to make it so people can not pay and then hit you with late fees. Please direct me on how to proceed with this, because I have no idea what else to do, I want to pay my bill, but they just wont let me do it.

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 2018-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

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 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XX/XX/XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XX/XX/XXXX - which does n't add up in the first place because it does not show a 30 day past due in XX/XX/XXXX. In fact, when looking at the attached statements, the charges in question were from XX/XX/XXXX and when you look at the XX/XX/XXXX statement you can see the payment was applied on XX/XX/XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XX/XX/XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XX/XX/XXXX I did not see the 60 days late marked on this account for XX/XX/XXXX, however it has now reappeared there and my credit score which had gone back up in  XX/XX/XXXX/XX/XX/XXXX has now come back down again in XX/XX/XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point  decline in my credit score. Upon contacting XXXX XXXX again XX/XX/XXXX about this  issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: GA

Complaint narrative:
XXXX has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XXXX/XXXX/XXXX and certified mail XXXX on XXXX/XXXX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

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 2018-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.

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 2018-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc
State: AZ

Complaint narrative:
I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: ID Analytics, Inc.
State: TX

Complaint narrative:
In late XX/XX/XXXX I was denied credit based on information obtained from XXXX  , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. 

I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. 

On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. 

On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. 

I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. 

As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.

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 2018-01-13 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Did n't know that they would do a hard credit check

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 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report

Company response to consumer: Closed with non-monetary relief