vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: SC

Complaint narrative:
I have collections from XXXX amount {$940.00} originally disputed XXXX successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from transunion. Transunion somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.

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 2021-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
It started with applying for a mortgage with Quicken Loans. They asked for the usual qualification question. On XX/XX/2021 we got our pre-approval. I was evaluated and pre-approved for an FHA loan for $ XXXX. After scouting for houses in the area, I found out the $ XXXX is not enough to get a house. I talked to the loan officer if they can increase the loan amount. They asked me to submit documentation to include pay stubs, w2s, bank statements and even my wife 's pay stubs and w2. They increased the loan amount to $ XXXX. 

After over a month of house hunting, on or about XX/XX/2021 we found a property an made an offer of $ XXXX. Our offer was accepted on XX/XX/2021. We put in our earnest money of {$1700.00} and option money of {$150.00}. We hired an inspector for {$370.00}. We are now a week into the purchase. After the inspection, we found that there are items to fix with the house. The seller agreed to lower the price to $ XXXX. 

On or about XX/XX/2021 I got call from Rocket Mortgage and we went through and signed the forms and got an approval letter for $ XXXX. On XX/XX/2021 I got another call from Rocket Mortgage that my loan was disapproved because my debt to income ratio was too high, Their reasoning is the Underwriters made a computation mistake.

I spoke to the Director of Mortgage and explained to him that we spent time, fuel, toll fees looking for a house for a month and even got penalized for withdrawing our XXXX in preparation for the closing. I asked the mortgage director if somehow they can approve the loan because it was their mistake. He said they would only refund the option and inspection fees. 

I want what's only fair, we spent so much time looking for a house had our hopes high and suddenly it was pulled right under us. They owe us the time, effort, cost for looking and the penalty for XXXX as a minimum. 

We are a first time home buyer and we had this bad experience. There is a large banner on their website when I applied " You are pre-approved '' print your pre-approval letter. This is very misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: Regional Management Corporation
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a text message from Bank of America asking me to verify two transactions and to reply yes or no to verify that it was me attempting these transactions. I replied no to both and was told a fraud specialist will be in contact with me. I then received a call from a 1800 number that is the same number as Bank Of Americas customer service phone number. The male on the phone stated that some transactions had been attempted on my debit card and theyd be cancelling the card and sending me a new one. I became a little suspicious so I googled this 800 number and it was in fact bank of Americas phone number. He then stated that a charge just went through for a restaurant in Texas called XXXX XXXX in the amount of {$16.00}. When i looked at my account, sure enough, there was a new charge for this restaurant he just stated in Texas. This made me realize that I must obviously be speaking with someone from Bank of America. He then went on to say that there were also XXXX transfers pending for the large amounts and if I was trying to XXXX someone. I stated no and he said since they were already in progress, they couldnt be cancelled. But that BOA can reverse them by XXXX  myself for the amounts. He walked me through the steps of XXXX myself to my phone number that I had on file with Bank of America and XXXX in the amounts of {$3900.00} and {$1700.00}. Upon trying to have me do a 3rd transfer, I had to log out of my Bank of America app and log back in because it was freezing. When I attempted this 3rd transfer, I saw that I was about to XXXX my XXXX  name and my phone number, but I now saw that it said registered with XXXX as XXXX. That name did not show for the prior 2 XXXX transfers. I also received a text message from a XXXX  XXXX XXXX  stating that my XXXX  name had just sent a transfer in the amount of {$3900.00} and {$1700.00} and that its being deposited into some account with them. I immediately hung up the phone and contacted Bank of America myself. They told me that they had not been in contact with me and that I had just been a victim of fraud. Ive since filed a claim with them and its been over a week now. My XXXX depends on this money. Ive since also filed a police report with my local precinct and have Detective XXXX on the case. Ive also filed a claim with the FBI and have contacted XXXX XXXX XXXX  as directed by Detective XXXX to make sure there wasnt an account there opened in my name and I wasnt the victim of identity theft. They told me I do not have an account open with them. I just need this matter promptly resolved. I dont understand how someone can change account information on my BOA XXXX account and I not be notified AT ALL about that

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 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.

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 2021-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to request my credit report in different credit monitors such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I have a HELOC with them as well as my original mortgage. 

Sometimes when I have extra money, I pay it toward my mortgage, making an OVERPAYMENT. Dovenmuehle Mortgage is placing all my overpayments into a suspense account. They will not apply these funds to my mortgage. Instead, they are using the funds for their own benefit. 

I have spent hours on the phone trying to resolve this. Their reps don't even know what a suspense account is and they don't care enough to find out. When I ask for a supervisor I am always told they are not available but will call me back. I've never been called back. This is just a ploy they use to get you off the phone without resolving your issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
XX/XX/2021 reached out to Coinbase support to help on 2 factor identification issue locking me out of my account. My phone number had changed and I could not receive the 2 factor code. 
XXXX XXXX I have followed all their support instructions, uploaded ID images, pictures of myself from web cam, etc. XX/XX/XXXX received email " Our team is currently reviewing your account to find best solution ''. 
XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status I have not had access to my account or funds for over 30 days. This is not acceptable and it seems like it should also be illegal to not help customers gain access to their account to trade.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for XXXX  and online, however the online site comes up with an error and call XXXX ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is 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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for XXXX  and online, however the online site comes up with an error and call XXXX ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX. For my spring semester of XXXX, I didnt pay {$430.00} of my tuition and it went to collections. The collection agency never called or sent a letter. I found out by checking my credit reports. On XX/XX/XXXX, I paid {$430.00} in full to the actual school, which is XXXX XXXX XXXX XXXX. I couldnt pay via the debt collector because there was never a letter sent with a case number. I tried disputing it via XXXX  and they denied it. Keeps saying that I still owe to this day {$430.00} thats been paid to the school already. It keeps affecting my score since they keep updating that my payment is late. The company is called Merchants Credit Guide

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

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 2021-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original cre
ditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

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 2021-09-02 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been in repayment since XX/XX/XXXX for 2 of my federal loans and since XX/XX/XXXX for another 2 of my federal loans. This is confirmed by NSLDS database. I have never re-consolidated my loans since then as I have been pursuing PSLF. I have been in an XXXX XXXX ( XXXX ) XXXX since XX/XX/XXXX until present. The loans were initially serviced by XXXX and once the federal government contracted with Fedloans then it was automatically transferred to them. Appropriate Employment Certification Form ( ECF ) have already been uploaded on Fedloan 's website for months. 

I have always had my loan payments on autopay and never requested to be in forbearance. 

Multiple payments that should have counted towards my PSLF have been marked ineligible incorrectly. I spoke to Fedloans and they agreed. However, told me it would take " several months '' to have this reviewed and corrected. As Fedloans will no longer be the loan servicer in XXXX, I would like to resolve this and have an expedited review of my eligible payments. 

Below are the payment dates that are incorrectly deemed ineligible : Loans Period Due Date Amount Due 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what documents, if any, is required for your review.

Company response to consumer: Closed with non-monetary relief