vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I utilized Rocket Mortgage to obtain financing for a property in XXXX, OH. First contact was on XX/XX/2021. In the middle of closing, a " resolution expert '' reached out to inform me they were unable to secure an XXXX and recommended I find a different mortgage company. My XXXX and I both asked about offering a premium but agent stated they still recommended utilizing a different lender. Even though the extra premium would have been charged to me, they still recommended I utilize a different lender. Part of his email " ... since we utilized all of our resources to find an XXXX and couldn't get anyone to accept the order, that's why we wanted to reach out as soon as we could to let you know. '' Unsure why they didn't disclose this during the signing process, that they have difficulty in some markets obtaining an appraisal which will cause them to basically cancel the financing and delay or destroy the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am and have been in forebearance. I submitted a request to extend my forebearance to PHH Mortgage. They sent me an application for assistance so I filled it out and emailed it to them, along with scanned financial documents of my income. I emailed all of this to them on XX/XX/2021 but they never responded. So I resent the application for assistance and my scanned financial documents as proof of my income again on XX/XX/2021. I never heard back from them again. 

I received a generic form letter from XXXX XXXX on XX/XX/2021, but it was dated XX/XX/2021. It said that because they never received my information on my application for assistance and the due date is passed, they were going to discontinue processing my incomplete application. When I went online to XXXX XXXX or PHH there was no way to pull up this application for assistance. They made it impossible to submit the application on line so I had to fill it out and scan everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am recently look at debts and negative information on my account because i'm just getting back on my feet. I'm a XXXX military veteran who was XXXX due to XXXX XXXX while in the military. While XXXX I was being taken care of by my family ( kids, their mothers, and my parents ). I had to XXXX XXXX XXXX XXXX XXXX XXXX, and focus through drills and XXXX XXXX. While all of this was going on, there were accounts that may have been opened without my permission and I was taken advantage of by my own family. My credit is horrible because these accounts were opened with no intentions of repayment and i've tried a million and one times to get this stuff taken off. The truth of the matter is that it doesn't matter what happened to me, this company just wants their money. I am asking for help as I feel so helpless in getting all of this fixed and I dont know what else to do because I can't afford a lawyer. PLEAESE HELP

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 2021-11-17 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC

Complaint narrative:
The company continues to lie claiming that they initiated a request to collect a credit balance on my property tax bill but that request was never initiated. I spoke with a representative from XXXX XXXXXXXX that confirmed no refund request was ever submitted. The company lied and said they had initiated the request when I previously filed a complaint here with CFPB so that complaint was closed. I am filing an additional complaint because this issue has not been resolved. Please let the company know that the next step will be filing a lawsuit in small claims 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 2021-11-17 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a postcard from USBank thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a XXXX credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by US Bank. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK OF AMERICAN SO THIS REGUARDING CHECKING ACCOUNT ONLINE BILL PAYMENT THAT WAS AUTHORIZED ON MY BEHALF SO THE BANK OF AMERICAN CUSTOMER MADE ONLINE BILL PAYMENT OF XXXX CENTS FROM CHECKING ACCOUNT AND BEFORE THE BANK OF AMERICAN CUSTOMER MADE BILL PAYMENT FROM CHECKING ACCOUNT THERE WAS FUNDS IN MY CHECKING ACCOUNT BALANCE TO COVERAGE THE RECENT TRANSACTION HISTORY PAYMENT THAT WAS AUTHORIZED MADE VIA ONLINE BANK OF AMERICAN ONLINE ACCOUNT THE PAYMENT TRANSACTION AMOUNT WAS DEDUCTIBLE FROM MY CHECKING ACCOUNT BALANCE BEFORE THE PAYMENT AMOUNT WAS SENT TO XXXX XXXX XXXX XXXX AND AFTER THE PAYMENT AMOUNT WAS MADE TO INSURANCE COMPANY I CHECK MY TRANSACTION ACCOUNT BALANCE BEFORE THE XXXX XXXX XXXX PAYMENT WAS MADE AND MY LIFE INSURANCE AGENT CALL ME TODAY AND TOLD ME THE CASHIER CHECK SHES RECIEVE BY VIA MAIL DID NOT HONOR FROM BANK OF AMERICAN CHECKING ACCOUNT MY XXXX XXXX XXXX XXXX CALL ME TODAY AND TOLD ME THAT THERE WAS INSUFFICIENT FUNDS IN MY CHECKING ACCOUNT BANK OF AMERICAN CUSTOMER SERVICES TELEPHONE NUMBER XXXX THE BANK OF AMERICAN CHECKING ACCOUNT CUSTOMER DID PLACE STOP PAYMENT ON THE OUTSTANDING CASHIER CHECK THAT WAS MAIL FROM MY BANK I CAN PROVIDE BANK OF AMERICAN CHECK NUMBER XXXX THIS WAS THE RECENT CHECK NUMBER THAT WAS ISSUE ON MY ONLINE BILL PAYMENT ACCOUNT HISTORY SO NOW BANK OF AMERICAN TELLING ME THEY NOT GOING TO REPLACEMENT FUNDS BACK INTO MY CHECKING ACCOUNT SINCE THEY DID NOT AUTHORIZED THE PAYMENT TRANSACTION PAYMENT AMOUNT ON MY BEHALF ONCE AGAIN CUSTOMER CHECKING ACCOUNT SHOULD COVERAGE FDIC INSURANCE OF CERTIFICATE DEPOSIT SO NOW BANK OF AMERICAN CUSTOMER GOING HAVE TO OWED PAYMENT FOR TWO MONTHS XXXX FOR LIFE INSURANCE PAYMENT NOT BEING PAYMENT ON TIME

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 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX  account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.

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 2021-11-17 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: TX

Complaint narrative:
Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine. 
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have 10 days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer 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 2021-11-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion was sent a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). My request was not to receive an explanation of what inquiries were.

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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
We refinanced our home loan with XXXX XXXX  and the monthly payments should have been Principle and interest- {$750.00} per month. 
In XX/XX/2021 the loan was transferred to Flagstar Bank and now the payments jumped up to {$1.00}, XXXX with some Escrow fund which should have not been there. 
Due to this transfer of loan from one company to another.

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 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}. 
I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name. 

I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report. 

On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report. 

On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''. 

Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files. 

In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable. 

This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account. 

I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end. 

This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Address XXXX XXXX XXXX XXXX XXXX Fl XXXX I was in a forbearance for my mortgage payments DUE TO COVID 19 and was also offered a deferment to move my missed payments to the end of my loan. In the month of XX/XX/2021 I finally got my old job back and Shellpoint mortgage offered me a loan modification and I started making new payments again in XX/XX/2021. Shellpoint HAD PROMISSED that they weren't going to report me to the credit bureau due to the National COVID 19 situation only to find out that Shellpoint did report me to the credit bureaus and will still report me for up to six additional months until I finish my trial period for my loan modification. 

I contacted them and they don't want to help me at all. I need to have good credit score in order to keep my current job position.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
I obtained a secured credit card with First Progress Card. They have me at {$200.00} balance and reporting me as being late from solely late fees. I closed my account with them and used my deposit to pay off the account and they charged me another late fee!! If {$200.00} was given why would I be charged again and given another late on this card. I was charged the annual fee as well but closed the account shortly afterward. I should have this fee reversed as well.

Company response to consumer: Closed with explanation