vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I started a refinance of my current loan with Quicken Loans/Rocket Mortgage in XXXX of 2020. On a monitored and recorded line the loan officer XXXX XXXX NMLS # XXXX stated I would receive a rate of 2.99 % with total closing costs of {$8500.00} and it would take a total of 90-120 days to close. I authorized Quicken to take a {$500.00} deposit. After receiving conditional approval for the loan, the terms of the loan drastically changed. The closing costs tripled and the rate was only locked for 60 days when XXXX stated on a monitored and recorded line the loan would take 90-120 days to close. I tried to work this out amicably but Quicken refused to honor the original agreement or refund the {$500.00} deposit. Unfortunately, there is no way for them to undo the hard credit inquiry that will stay on my credit for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against IQ INTERNATION DATA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: TX

Complaint narrative:
I HAVE HAD AGGRESSIVE ID THEFT. 
THE DECEPTIVE PRACTICES BY NET SPEND MY PREPAID CARD IS BLOCKED ANDFOR THE LAST FOUR DAYS AFTER SENDING IN MY INFORMATION TWO TIMES EVERY PERSON IN CUSTOMER SERVICE HAS AN XXXX OR XXXX ACCENT. 
IM NOT XXXX IM A CUSTOMER WHOS CASH WAS RENDERED AT THE TIME OF PURCHASED AND MY IDENTITY GIVEN On XX/XX/2021 I purchased a netspend predpaid card in the amount of XXXX for an emergency use when attemping to activate card Its blocked and now they are asking me to provide my drivers lic. Ssn and proof of adress on XX/XX/2021 WAS sent via fax my information ref # XXXX .Net spend. XXXX XXXX XXXX Texas. And today I resend my documents via email to XXXX. I eceive a MAIlER_DEMON REPLY HOWEVER, The EMAIL IS CUSTOMER SERVICE ACKNOWLEDGED MY RECIPT sent EMAIL. I HAVE REQUESTED A REFUND .ACCORDING TO : CUSTOMER SERVICE I WILL RECEIVE A CHECK IN THE NEXT 10 BUSINESS DAYS. I spoke to manager after customer service rep over and over they have caused me nothing but emotional mental tribulations arguing with me. customer service at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: AZ

Complaint narrative:
On XX/XX/2021, I filed for a validation of debt with the credit bureau 's XXXX, and Transunion. As well as the Collection Agency XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( Transunion, XXXX ) Thank You, XXXX ' XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Assured Financial Partners
State: TX

Complaint narrative:
i dont recognize this debt and have asked for original written documentation between the parties. They have continued to threaten by saying they are going to sue me and then they disconnect call, when im trying to get there physical address. One of the reps name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have filed a complaints against Mays for reporting a account on my credit file that is not mine. They responded with generic information and provided an email as confirmation of the debt. That email isn't even mine! I have received calls from Macys as well and the information they have on file is not mine either! when i tell them it is not my social they have on file they say ok and they will remove me from the collections list and the next day i will get the same phone call from another representative. This debt is not mine!! I need more proof, a signed contract with my information on it. If they can not be provide this information then i need the account removed from my credit file!!!

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 2021-05-14 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: LA

Complaint narrative:
On XXXX XXXX i noticed XXXX  XXXX, XXXX, XXXX & Equifax posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, XXXX XXXX, XXXX, XXXX & Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information XXXX XXXX, XXXX, XXXX & Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave XXXX XXXX, XXXX, XXXX & Equifax permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Capital One is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/21, XX/XX/21, XX/XX/21. These lates were a results of a {$1.00} PAST DUE BALANCE. I was never contacted about this DOLLAR. I'm genuinely blow away at the fact that this account was marked delinquent and CLOSED because i was past due XXXX dollar ... If i was made aware of this delinquency i would have paid it! It has ruined my credit file and cost me to loose financing. I am very upset with the fact that i was never contacted about this delinquency, i was not aware of this until i pulled my credit and saw the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I refinanced my mortgage which was serviced by XXXX in summer of XXXX. XXXX Mortgage purchased my loan from XXXX and become the holder in XX/XX/XXXX. I made both my XXXX and XX/XX/XXXX payments online with significant additional principle to keep my loan well ahead of schedule. When I attempted to make the XXXX payment I received notice on their website that the online payment system was 'unavailable ' at the time. I checked daily until XX/XX/XXXX and then I called PHH mortgage to inform them that I was not able to make an online payment anymore. They told me I had to sign a new document of consent to make online and phone payments. They said for {$17.00}, I could pay over the phone one time or send a payment by mail. On XX/XX/XXXX, they charged me a {$74.00} 'late fee ' without providing me the consent form. On XX/XX/XXXX, I received in my online account mailbox on their website, a document of consent dated XX/XX/XXXX. On XX/XX/XXXX, they reported me as 'delinquent ' on my credit report despite my complaints about not having my online payment available. On XX/XX/XXXX, I had to make payment via phone to which they said it would cost {$17.00} to process the payment. I did make the payment over the phone to which they said I wouldn't be able to do in the future and would need to mail it in but should expect online payment working in XXXX. I'm very concerned with this company 's ethics and how they are blocking my ability to pay while charging me exorbitant fees and ruining my stellar credit.

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 2021-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent my police report with the described incident of identity theft to experian on XX/XX/XXXX so the certified and first class mail to make sure it was received. 
It says it was delivered XX/XX/XXXX but when I call and speak to the dispute and mail team they all allege their is no documents. Even though I have a USPS certified slip proving it was delivered. I called XX/XX/XXXX to check in with them and see if they found my documents they said give them 48 hours to look into. A full week passed no notifications. I called again Wednesday XX/XX/XXXX asking for an update again and they put me through the same process saying they need 48hours again. They have made no attempt to help me with my matter and this fraudulent account on my report is severely impacting my credit score I am looking into taking legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A checking account was opened with my name DOB SS # and Address fraudulent at wells Fargo Using the email address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal close my account for no reason, I am trying to contact them but they are not helping me. I request them tell me the issue what is the exact issue for that you block my account, the representative said we can not tell you the issue, but which i can tell you that the restriction applied on you from the system and i can not help you with this and you have to wait for 180 days. I had my funds in that account about XXXX $ and I need my funds for run my family, I am doing freelancing on internet this is my hard earned money and they are blocking me for no reason. 
I want to request you please help me to resolve this issue. 
My email linked to paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I finalized the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX Sport was delivered. Due to the delivery method, I scheduled to meet the delivery in an open parking lot. Upon driving the XXXX home ( about 1 mile ) I discovered the XXXX not to be blowing cool air. When attempting to park the XXXX in our driveway at home, the emergency break would not latch. I immediately emailed XXXX XXXX XXXX and reported the concerns ( including a flicking/non stable Radio system ). After a series of sent emails and minimal response, the XXXX is still in my driveway, parked, while an Auto Loan ( Capitol One Auto Finance ) is still seeking payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Car loan was paid off in XX/XX/XXXX. TD Auto Finance still has not released the title. I have been trying to get the title released for over a year now. They kept citing a vague 'DMV error. ' Now they are telling me I need a 'registration only ' letter from the WA DMV - the car has never been titled in Washington XXXX It was purchased in California in XX/XX/XXXX and has always had a California title. TD Auto Finance refuses to communicate with the DMV or XXXX to resolve the issue and release my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I received a Notice of Debt letter from Capio Partners dated XX/XX/21. Letter was received by mail on XX/XX/21. The letter claimed that I owed {$200.00} to Florida Hospital, but was willing to settle for a payment of {$120.00}. I called Capio immediately to let them know that the person they are looking for is not me, I have never been to Florida, I have never been a patient at the Florida Hospital, I do not owe them money, and requested that they remove my name from their files and stop sending me letters. The person I talked to was very dismissive about everything, said she would update my address in their files ( which to me indicated that they would continue to pursue me to pay the debt ), was extremely rude, and told me that if I didn't want to pay the debt that I should contact an attorney. I attempted to continue the conversation to provide proof that I was not the person who owed the debt, but she hung up on me in mid conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by XXXX or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! XXXX, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An XXXX representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed 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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I received a one-page demand letter from the above referenced company. The letter fraudulently claimed that I owe about {$5000.00} on a fictitious credit card account. I contacted XXXX  XXXX XXXX, and they instituted a fraud investigation. I believe I am the target of a criminal attempt to extort me of money based upon my status as a Senior Citizen. I can only imagine how many other senior citizens also received a similar letter. I DEMAND A FEDERAL INVESTIGATION OF THE COMPANY 'S PRINCIPAL, XXXX XXXX.

Company response to consumer: Closed with explanation