vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was getting quotes for a refi 30 yr fixed. Rocket Mortgage, gave me rates after collecting almost everything they can dig out from me, including the XXXX. Then they asked for a credit card to pay for a good faith deposit, which included a credit check and apprailsal fees. They have not sent me a Loan Estimate yet. I asked for it via email and they only would respond via a phone call. 

Is this the correct process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
I purchased a walk-in-tub about four years ago and I was told that the loan with Aqua Finance did not go through so we paid cash, XXXX and XXXX. Now after I notice that my checking account was being charge {$280.00}, per month, I closed that account and found out that Aqua Finance had been charging me monthly for windows, I don't have windows done by this company. I agreed to pay a settlement amount of {$15000.00}, with a XXXX XXXX on XX/XX/2021 and the agreement was to be good until XX/XX/2021, my escrow company mailed out the check for said amount on XX/XX/2021, and now aqua Financial is paying word games and trying to extorted another {$4000.00} out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My company XXXX, XXXX acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in XXXX of 2021. 

I opened an account with Suntrust and informed them of the acquisition and that we would need to be able to accept checks from the acquisition. 

We deposited {$7400.00} ( 3 checks ). Within two weeks, sun trust closed the account XXXX XX/XX/2021 ). 

Since then, we have provided all documents suntrust has requested except our customer 's bank statements. We do not have access to our customer 's bank statements and that is very unprofessional for us to ask of our clients. 

We provided Suntrust with our registered DBA with the florida division of corporation and the purchase agreements and all relevant documents that clearly identify XXXX as the owner of the business. They refuse to provide us the funds until we give them our customer 's bank statements which has nothing to do with whether the funds are ours, which is clearly identified with the documents we have.

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 monetary relief
Consumer complaint received 2021-06-17 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: MD

Complaint narrative:
Refined our home in XXXX Our Mortgage complay ( XXXX XXXX ) incorrectly reported our last payment as late. After contacting XXXX  regarding their error, they submitted a reversal to Equifax. Equifax not only refused to assist us, they turned around and dropped our credit scores by XXXX points each. I sent all the documentation needed to support that this was an error. XXXX XXXX  also sent a letter re-tracking there inaccurate reporting and request our credit report be adjusted back to the original scores prior to the inaccurate info being submitted. This has caused a financial nightmare for both of us, ( downgrade in credit, insurance rate skyrocketed ).

The other 2 reporting agencies corrected our credit reports but equifax refuses to help us. 
My credit score prior to the error was XXXX my wifes was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Services ( SPS ) - my mortgage processor will not refund the overpayment of my paid off loan. SPS collected a mortgage payment after the loan was paid off on XX/XX/XXXX and they will not refund the money. The loan was overpaid by {$3500.00} for XXXX XXXX XXXX XXXX Ca loan/account number XXXX. I have called and sent letters SPS stole this money from me and will not refund it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I submitted my report from the federal trade commission this is NOT my account, I have no knowledge, they threaten a lawsuit. I never owed XXXX to cash net usa, and they refuse to delete the account and threaten legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is reporting an erroneous debt on my credit file. This debt if a Apartment complex. I recently sent them a letter disputing the debt because i do not owe the anything, they actually ended my lease early without advising and allowed someone to move in before that lease was even finished. Now they are trying to collect a debt on " damages '' to the apartment. I was sent pictures of the apartment as verification of the debt. There is an issues with the documents sent to me. The apartment in the pictures is not mine. I dont understand why they would put that on my credit I know what I had in my apartment and that is not my place. I have tried to contact the apartments and they refuse to talk to me but this is not my apartment and i do not owe them anything. 
I need this collection removed from my credit file. I will contact an attorney and file complaints with the attorney general. i will use all the resources i can to get this off of my credit file as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB
State: FL

Complaint narrative:
I issued payments to KLARNA via my bill pay through XXXX XXXX in XXXX XXXX, fl. I used the address on their acct information in OHIO and both bank checks were ( for two months ) were returned to me as undeliverable. I them paid KLARNA direct from their website. You can not get through to them via phone, everything is chat. They agreed to remove the negative comment on my credit but I had to determine what day the entry was made, I was unable to do so. Can you investigate for me I would appreciate it. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
This all began in XX/XX/2020. My mortgage company Homebrigde took two payments ( XXXX ) from my account and when i informed that they took t wo payments from my account they agreed to send one of the payments back. I spoke with them on many occations and no funds returned until XX/XX/XXXX. Prior to them taken the two payments they sent me a letter that my payments will be going up by XXXX as of XX/XX/XXXX which brought my payments to XXXX. I attempted to contact homebriged XXXX, XXXX XXXX, XXXX when i paid my payment in XXXX the person on the phone states the I attampere paid XXXX in XXXX and when I went to pay in XXXX the customer services person stated that I only needed to pay XXXX I explained that I paid XXXX last month he insisted that I paid XXXX he stated that I only needed XXXX i gave him that amount and it was reported that I made partial payment. They still had not returned the XXXX they took in XX/XX/2020. XXXX i got my bank involved and homebridge sent me a check for XXXX. I still had not gotten a explanation for the raise in house payments in XXXX, Now in XXXX I spoke with a customer services and the issues seem to have been resolved he states that a supervisor will call me and financialize mistake and would correct my credit report regarding my house payments. NOTE : I have never missed a house payment since i have been with Homebridge XXXX my amount on my invoice was going up to like XXXX dollars and no one would give me a reason why I put in at least 20 request to speak to a supervisor and was never contact by a supervisor so I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX Now come XXXX and my invoice states that i owe XXXX dollars and im behind in payments XXXX the XXXX I agreed to pay them XXXX to resolved the issues. I paid XXXX on XXXX the XXXX and they sold my mortgage to XXXX and I and scheduled to pay them starting XXXX now my payments XXXXmonthly my credit is bad due to there mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XXXX XXXX contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. XXXX failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.

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 2021-06-17 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: EQUITY LOANS LLC
State: FL

Complaint narrative:
My mortgage company : Equity Prime Mortgage bounced a {$40000.00} check in my XXXX XXXX Account on XX/XX/2021. They advised that the original check issued from my insurance company : XXXX XXXX XXXX XXXX was not endorsed properly and was returned in THEIR bank. On XX/XX/XXXX, I resent the mortgage company a new check from the insurance company that cleared! Last Friday, the mortgage company released ONLY A {$10000.00} check as part of my claim!!! I need the full {$40000.00} reissued to rectify the overdraft, fees, and restrictions on my bank account. Its been 2 months!

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 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX I bought a car with a dealership and the loan was accepted to Capital one Auto finance. I have paid the account current as of today XXXX XXXX. 

On XX/XX/2019 i received a credit alert that a loan was paid off by XXXX XXXX. I looked at the account and it stated that the account was paid in full on one credit reporting agency, and on the other credit reporting agencies it stated that the account was closed and charged off and included in a chapter XXXX or XXXX bankruptcy. Add this case I have been paying on the car ever since and capital one speaking to an agent states that the account is not under bankruptcy in fact is it open active and current today I have letters from capital one for our mortgage or broker Stating that the account is active and current at this time. Since XXXX I have disputed this account 97 times I also hired a credit repair consulting corporation to handle the situation capital one has refused to give me a letter that states it is not under bankruptcy but only will give me a letter stating that it is active and open and is currently being paid on. I have spent three days on the phone my mortgage broker had to be on three-way to find out why they are not allowing it because now my approval will not be going through because of this the capital one has done to my credit. They have destroyed it and ever getting a home loan. 

They refuse to fix it at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of 2019, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I just sent the following message to my mortgage servicing company. I'm XXXX and I believe my lender is gouging me. 

" To : XXXX Subject : Loan # : XXXX Subject : SPS Proposed Loan Modification Dear Ombudsman, I am in receipt of SPS proposed loan modification to cover the forbearance amount of approximately {$30000.00} including property taxes and insurance advances. I'm bit bewildered as, on the phone back in XXXX of 2020 when I agreed to the forbearance, while I was told that when the forbearance came to the end, the forbearance amount ( {$30000.00}, including property taxes and insurance ), would be put on the end of my loan, BUT I was not told that {$150000.00} ( See page 1 of the Modification Agreement, Lat paragraph entitled BALLOON NOTICE }, in other charges would get added on as a second ( 2nd ) balloon payment! That amount of additional money seems outrageous to do to a senior citizen! Had I known that was going to happen I would have risked covid and tried to find a new job, anywhere, so I wouldnt have had to agree to the forbearance! Is this the best plan you can offer me? 

XXXX XXXX Please let me know if this is what Congress had in mind when they created the Covid 19 Relief plans? 

Thank you for your time. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ. 
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem. 
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation. 
To make this story shorter. 
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt. 
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter. 

I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information. 
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''. 
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau. 
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help. 

Attached is proof of the cancelation and the letter I received from the bank. 
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank. 

Thanks in advance XXXX XXXX Ph # XXXX Email : 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 monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
In XXXX, I obtained a loan from Mariner Finance. As collateral for the loan, Mariner Finance used my then brand new vehicle and items of value in my home. Due to overwhelming obligations, in XXXX I filed bankruptcy ch. XXXX, which included the loan with Mariner Finance. The bankruptcy was discharged in XX/XX/XXXX. After 8 long years of making monthly payments to the auto loan company, their loan has been paid in full and their lien was released. I attempted to obtain a copy of my title from the Florida XXXXXXXX XXXX  XXXX XXXX  and was advised of the remaining lien with Mariner Finance. I immediately contacted Mariner Finance on XX/XX/XXXX, and left a voicemail requesting a return call. My call was returned on XX/XX/XXXX, from the local office of Mariner Finance, by a lady named XXXX. I advised XXXX of my situation and was advised that Mariner Finance does not have to release their lien as a result of my discharged bankruptcy. XXXX from Mariner Finance provided me with the total amount due of {$3900.00}. My response was that the car is a XXXX with approximately XXXX miles on it and not even worth that amount. I asked about a settlement of {$1200.00} ( 30 % of the debt ), payable in 3 monthly payments of {$400.00} each. I was told I would receive a response to my request later on XX/XX/XXXX. XXXX contacted me, with an offer of {$2800.00}, ( 80 % of the debt ) which must be paid in 3 monthly installments. I advised XXXX that I am unable to pay {$940.00} per month, for 3 months in addition to my current obligations. The call ended. I understand that the debt is still owed ; however, due to the age of the loan ( 7 years ) and my bankruptcy filing, I would expect Mariner Finance to provide me with a more reasonable offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: PA

Complaint narrative:
I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX XXXX  # XXXX balance- {$480.00} XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account XXXX XXXX balance- {$990.00} XXXX XXXX # XXXX balance- {$1400.00}

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 2021-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation