vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I signed a mortgage jointly with my father. At no time was it stated that I would be a co-signer and not a joint owner. In fact I was even listed first on the mortgage. The title company client acknowledgment stated " the undersigned, hereby acknowledge the following ; that they are the true and lawful owners in fee of the following '' which I and my father signed. Later come tax time I discovered I am not on the property deed, just the mortgage. Since I am not on the property deed I am also not on the home owners insurance paid through escrow. 
I thought this was a simple error and contacted first the title company, XXXX. They told me via email on XX/XX/XXXX : Your lender does not require all borrowers be on title and you would not automatically be added as a borrower. I do not see a deed was requested from your lender. If you are interested in being on title you will need to reach out to a local title company or a real estate attorney to executed a quit claim deed adding you to title. We do not provide services outside of a transaction. Sorry we could not assist. 

I then contacted Quicken Loans. At first there seemed to be some concern until it went further up the chain. I had told them that now that my father has a new girlfriend and has discovered what has happen he was not willing to put on the deed with a quit claim deed. He now has a house I am legally binding to pay for. XX/XX/XXXX XXXX, XXXX I talk with a Specialist at Quicken Loans who said there was nothing they could do for me and suggested I get a attorney and a title company. 

I had done this mortgage rather than continue to pay him as a way of protecting myself if anything were to happen to my father. I had trusted Quicken Loans to be honest and upfront. With regards to truth in lending and taking the legal route with a mortgage I thought I was protecting myself and my investment. As it stands now I could pay on a mortgage for years and it could go to someone else. I would not have signed a mortgage if this was the case.Where was the truth in lending?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
There were 2 recalls on the XXXX XXXX XXXX XXXX vehicle, and we wanted to surrender without penalty. For 2 years, Ally has dragged this out placing us on multiple ludicrous call back responses and communications with Supervisors which never happened and being hung up on several times while trying to resolve this matter. Disruption in service predicated by an identity theft incident in which we were locked out of the system. We called clarifying a change of address and a need for an entry key. This was not resolved until about 3 months later. The agreement was we needed to prove we were locked out of the system and that all penalties and late fees would be waived completely, and this never occurred either.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I agreed to have my 2018 tax return sent to an Emerald Card XXXX XXXX XXXX XXXX. The bank that owns the Emerald card is Axos Bank. I was convinced by XXXX XXXX XXXX XXXX that this was the quickest best way for me the customer. However, none of the fees were explained to me so I was not happy with this arrangement in 2018. I took all of the money off the card and the account has been closed for over a year. When the IRS tried to send my stimulus check to that account the payment should have been rejected but Emerald Card did not reject the payment, they held my money. After a week of checking the IRS website waiting for it to be rejected back to the IRS, I called Emerald Bank. The customer service representative told me that her department didn't handle these rejections and when i asked to be transferred she told me that she didn't even know how to transfer me or reach that department. Once again they coerce me into taking another/new Emerald card stating that this solution would be faster than trying to reach whatever department would have rejected the payment since she didn't know how to even reach this department. The new card arrives and the automated system can't activate the card because the information doesn't match what's in the computer ( presumably the old account info that is closed ). At this point I've called Emerald Bank and XXXX XXXX XXXX XXXX   six times over the last two weeks and have spent no less than 8 hours on the phone, most of that time on hold, and many times nobody ever answered. I'm writing this complaint while currently on hold with them. I've been on the phone over 1 1/2 hours, first customer rep explained several times how the IRS works after I explained to him several times that we are a week past that problem. XXXX XXXX XXXX XXXXEmerald card already has my money from the IRS, I'm trying to get it from them. Their pamphlet ( in really fine print at the bottom ) says the only way I can get my money with no fees ( remember I did not ask nor did I want my stimulus check to go to them ) was a one-time ACH electronic transfer. There is NO button or link on their website for this option. Asked to speak to a supervisor, phone rang for 15 minutes and then it just stopped ringing and nobody ever picked. This company is either completely incompetent to handle peoples money or they are purposely being dishonest/disingenuous for their own gain. ( 1 hour 40 minutes, Emerald just hung up on me ) Either way, incompetent or dishonest, doesn't matter. this company should  never be allowed to touch anyone 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Self Lender Inc
State: MN

Complaint narrative:
A account was open by someone else and its reporting to my credit report and I want the account removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MN

Complaint narrative:
On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a Midwest Recovery Systems put a dergatory report of {$880.00} for XXXX XXXX loan. Never heard of XXXX XXXX. The date opened was unknown and just showed up without any notification received from the debt collector. When I called Midwest Recovery Systems on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that XXXX XXXX   had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax fail to investigate my dispute that file on XX/XX/2020 and XX/XX/2020 they are in violation of the FCRA. can someone please assist me with having these items verify

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am having trouble understanding how my credit score is calculated. I've reached out before, but I was told that it fluctuates. Here is my issue : I've been working so hard at paying down my debt as I am looking for a new home. Today, I received a notification from XXXX XXXX that my Equifax credit score dropped. As of today, XX/XX/2020, my score is at XXXX, dropped 11 pts. When I select " see what changed '', here are the changes : Positives in Green : 1- Credit Limit increase on an account by {$450.00} 2- Balance decrease on credit  card by {$310.00} ; credit usage went from 105 % to 0 % 3- Balance decrease on credit card by {$420.00} ; credit usage went from 86 % to 0 % 4-Balance decrease on credit card by {$590.00} ; credit usage went from 96 % to 32 % 5-Balance decrease on loan by {$120.00} Negative in Red : 1- Balance increase on credit card of {$30.00} ; credit usage went from 69 % to 63 % Can you please explain why my credit score dropped instead of increased? This does not make any sense to me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Conn's, Inc.
State: TX

Complaint narrative:
I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2020-05-11 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: NV

Complaint narrative:
These are not my accounts, nor have I listed at these addresses. Please remove them.

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 2020-05-11 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: NV

Complaint narrative:
These are not my accounts, nor have I listed at these addresses. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I contacted LVNV Funding LLC back in XX/XX/2020. The account was removed from XXXX XXXX. The account was sold to LVNV Funding LLC. This credit card was obtained fraudulently. LVNV Funding LLC has put the collection back onto my credit report as of today Monday XX/XX/2020. I would like this debt permanently removed from my name and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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: NH

Complaint narrative:
I had collections go on my credit report and went to court with the company. Both cases were dismissed and I got court paperwork showing that both cases were dismissed. I forwarded the court orders that dismissed the cases to the credit reporting company. They did not conduct an investigation. They simply took the other company, XXXX XXXX XXXX 's word for it. These items should no longer be on my credit report as they were dismissed by the court.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed 2 dispute with trans union on XX/XX/XXXX and XX/XX/XXXX. transunion never responded to my dispute I will upload the letters that I sent, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify.

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Due to the coronavirus pandemic, my wife and I have lost all of our income for the foreseeable future. Therefore, it has become very difficult to make our monthly mortgage payment to XXXX XXXX PHH Mortgage Services XXXX I called them in XXXX as soon as our businesses began shutting down and spoke with a representative. I was told at the time that the only option they were offering was 3 months without payment or penalty. But on the 1st day of the 4th month, the previous 3 months payments plus the 4th month would be due. Having absolutely no income, this would be impossible. I hung up being very angry and disappointed at their offer. Around XX/XX/XXXX I received the attached letter offering the same plan : three months forbearance and a balloon payment due on the fourth month. We went ahead and paid the mortgage for the month of XXXX because we didn't really see a balloon payment as anything helpful. We also don't trust the idea of " renegotiating '' with this company at the end of three months if we were to forego paying the mortgage. What could they potentially do to us? How would we know that they would offer to attach the missed mortgage payments to the end of the loan as we believe they are supposed to do? The plan doesn't seem to be fully outlined and we are concerned. We are now dipping into our limited savings to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have a line of credit with Wells Fargo to finance a home improvement. The line of credit was set up interest free as long as we made the min payment. Wells Fargo set up the account and the min payment amount and when doing so we were told that the min payment amount was set to ensure timely payment of the entire debt. Our outstanding balance at the end of XX/XX/2020 was just over {$14000.00}. In XXXX XXXX added almost {$10000.00} in interest payments to the account. When we followed up with XXXX they said that the line of credit was interest free for only 15 months and if we didn't pay in full by the end of the 15 month period then we were subjected to back interest. Not only was this not what we were told when the account was opened there was no notice in the XXXX statement that this interest payment was going to happen in XXXX. We are disputing this with XXXX but getting the run around. In the mean time they are still charging us interest on not only the original balance but the $ XXXX in interest charges as well.

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 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I KEEP GETTING CALLS REGARDING A CREDIT CARD THAT IS SAID TO BE MINE.

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 2020-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on Equifax. I have called numerous of times Equifax starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and Equifax is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # 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