vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
This is a resubmission of a prior complaint ( XXXX ). The company provided a resolution and is refusing to implement that resolution. 

To whom it may concern : I purchased a residential property in XXXX XXXX, Texas in XX/XX/XXXX, at the height of the housing bubble for {$670000.00}. At that time, Rocket Mortgage attempted to use the purchase price to calculate the initial escrow deposit and payments. I had several conversations with their team about the legitimacy of this calculation, given the assessed value of the home was {$430000.00} and by Texas law, the taxable value of a homestead may not be increased by more than 10 % per year. They conceded, and agreed to reduce the escrow requirements to a more realistic level. I recently received an updated escrow disclosure statement dated XX/XX/XXXX, notifying me that the tax portion of my escrow account requirement was increasing from {$9800.00} in XXXX to {$14000.00} in XXXX an increase of more than 50 %. I find it difficult to believe that Rocket Mortgage is ignorant of Texas State law and therefore regard this as a predatory tactic. I called Rocket Mortgage XX/XX/XXXX to discuss the issue and was told there was nothing they could do. When I informed them that I would close the escrow account ( I own about 80 % equity in the home ) they notified me that the loan holder, XXXX XXXX, had a 12-month term requirement and that I could not close the account until XX/XX/XXXX. Under Texas law, the maximum taxable value of this property in XXXX would be ( {$430000.00} x 0.1 ) + {$430000.00} = {$470000.00}. This is nearly {$200000.00} less than the value being used to calculate XXXX escrow tax requirements. I believe the persistent, aggressive, and unrealistic nature of Rocket Mortgages escrow demands raise serious concerns about the use of those funds and the extent to which they are leveraging these accounts to benefit their business. I believe it also raises questions about their compliance with RESPA. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
In XX/XX/2020, I spoke to Pentagon Federal Credit Union customer service regarding my financial, health, and employment situation. As per card conditions, I had credit card debt protection insurance which I had been paying for, for over XXXX years. Before the closure and subsequent charge-off of the credit card account, I had requested to activate the same. However, to my surprise, the account was charged off and closed with an outstanding balance that did not reflect my insurance benefits claim payment. I made several attempts to contact the bank following my medical recovery. And neither received nor failed to respond to any PenFed Credit Union Bank communication regarding my account. Instead, the account was sold off to a third party suing me for the outstanding balance that was in contention in the first place. 

Additionally, I had my wife ( next of kin ) contact PenFed credit union bank as I was unwell and admitted with life-threatening COVID in XX/XX/2020. The purpose of the calls was to request that the account benefits be activated while in the hospital. However, customer service insisted on speaking to the account owner. 

Moreover, whereas other creditors considered the XXXX pandemic and could waive account administration charges, interest charges, and fees attributable to the pandemic in good faith, PenFed ensured to pile all those charges and fees, therefore inflating the account balance. For after that, it was charged off and closed. No remedy was provided ; instead, I received court documents suing me for the outstanding debt. PenFed credit union always assured me the issue would be resolved, but to my surprise, the account was charged off. More confusing is my credit report, which shows that the outstanding balance was settled and therefore did not need further action on my side.

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I don't know the dates I was informed 2017 and that the debt was with XXXX XXXX XXXX XXXX and managed by a " XXXX XXXX '' who I have learned is retired from XXXX XXXX and the hospital was acquired by XXXX XXXX. I was informed when calling XXXX XXXX XXXX XXXX billing that the debt does not exist.

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 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I enter my accounts online from my laptop, and I found out that were made XXXX XXXX XXXX that I did not authorized. 
On XX/XX/XXXX was added XXXX  XXXX with XXXX as a XXXX XXXX, and on that same day this person made a XXXX Transactions for XXXX $ and then another one for the same amount on XX/XX/XXXX. 
Then on XX/XX/XXXX, was added XXXX XXXX with XXXX as a XXXX XXXX, and on that same day made a XXXX XXXX for XXXX XXXX 
On XX/XX/XXXX, this same person added a new account with the number XXXX as a XXXX XXXX, and then on XX/XX/XXXX, made a XXXX XXXX for XXXX $ and another one on XX/XX/XXXX for the same amount XXXX XXXX 
This last transaction was still on processing according to what I saw when I went into my account that day, but even though I reported the claim, that transactions gone thru and the money was out on my account. 
This same person tries to made another XXXX transaction on XX/XX/XXXX, but because I did call and cancel all payments for my accounts and change my email associated to the XXXX XXXX, this transaction was stopped and did not go thru, thank XXXX. 

My Claim with the Bank has been rejected, the bank indicated that those transactions were made on a device consistent with previous valid account activity. 
I responded that I dont know how this person did it but those transactions were not authorized by me, That I never Added those accounts as XXXX XXXX and also that I had never done XXXX Transactions for those amounts, and in those transactions was not used the description line which I always use to describe for what and to whom the payment was for, and to have on my records, and when the Accounts were Added also they didnt use the Alias option which I always also use to facilitate searches and my records. 

Thereby because of all this information that I had given and explained, I would really appreciate all the support and help I can receive because that money is my lifesavings and it's not possible that someone can get into my accounts to make all these transactions that are clearly not my usual operations on the account and the bank just going to wash their hands giving me that response. 
I thank you in advance for your good offices, and I look forward to your prompt response. 
Best Regars.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have attached an FTC report with XXXX accounts and inquiries I did not authorize please delete

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I was given a what I am to believe a predatory loan by a company who has just been convicted of giving out predatory loans to people who could not afford to pay the bills at the time, and I was unfortunately unable to pay my bills at the time because of XXXX I was given no hardship. Relief I was given no no no information on my loan after I was given the loan, I basically was given three pieces of paper assignment I walked out. I had no knowledge of who about my XXXX with or or anything else, I contacted the alarm company after they came and repossessed the car and they want me to pay them {$5000.00} and I can not pay that after getting contact with them. I try to see which ways we can work it out and theyre basically telling me that its my fault and I need to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In early XXXX, 2023 I applied for the CapitalOne Quicksilver credit card that offered a {$200.00} cash back after spending {$500.00}. I spent the required amount. I asked when the statement credit would be applied to my account. I was told by the representative that my card did not fall under this promotion, even though this was the promotion I applied for. The representative told me that CapitalOne reserves the right to switch credit card promotions on anyone applying for their card. However, I was NOT told this at the time I made application. She stated I was switched to a finance option card, which I do not need as I do not carry card balances. Furthermore, I would NOT have applied for a card that only offered a finance option as I do NOT want hard inquiries on my credit report. I have a credit report in the XXXXXXXX XXXX and do not make a habit of opening credit and negatively impacting my score. CapitalOne made a hard inquiry, and negatively impacted my score, and switched their card offer on me without my approval. They obviously knew they would have to pay out the {$200.00} to me after I spent the required {$500.00}. I know of others receiving this cash back offer without being hassled. Why was my credit card offer switched!? I am requesting that CapitalOne make good on their offer, for which I made application. They owe me {$200.00}. This is FRAUD on the part of CapitalOne to do bait switch business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: MD

Complaint narrative:
I just pulled my credit report and XXXX XXXX XXXX is listed as a charge-off on my report. I have never been notified by the company of an charge-off and this is effecting my credit score. It also has no balance even listed. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing because i was again harassed by the last bank representative who responded to my case. She called me today XXXX to state that her response will not change and her resolution is the same. She claimed that she listened to a tape recording where I asked to borrow {$20.00} therefore there was no predatory involved. This was an absolute lie because I was severely harassed because they tried to force me to borrow {$100.00}, then {$75.00}. I was told the only way I would receive the loan was to borrow far more than the {$10.00} that I requested. After being threatened and harassed, I agreed to {$20.00} under duress. The first response from Wells Fargo admitted that the loan representative did try to get me to borrow more money but he only did that to save me money on the closing cost. When I explained that we never discussed closing cost, the bank decided to refer my case to another representative. The bank representative response today bolsters the fact that Wells Fargo uses COOKIE CUTTER RESPONSES TO RESOLVE COMPLAINTS. They hardly ever admit wrong doing that is obvious to the customers being harmed. My recent complaint was for Wells Fargo 's lack of investigations and writing nonsensical excuses for their discrimination, harassment, and racist tactics. Since this bank representative told me that the bank is not going to change their responses, I requested an HONEST BANK REPRESENTATIVE who will truthfully investigate my case and not send me the same lies that they have been sending me for over one year.

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I fell for a relationship scam and she used an app that I dad set up to steal {$400.00} from me. But the bank finds nothing wrong with my dispute the first time. Now the second time the bank has me under XXXX. I'm scared they will find nothing wrong again and I'll lose {$400.00} to the scammer. How do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received text messages between XX/XX/XXXX and XX/XX/XXXX stating that I had purchases at IKEA to pick up. The locations were at IKEA XXXX ( XXXX, FL ) and IKEA XXXX ( XXXX ). I immediately checked my internet account and no such purchases were there. I also checked all of my debit and credit cards and there were no such purchases found. About a week later, I received an IKEA Project Card in the mail. 

I called IKEA and reported it on XX/XX/XXXX. They sent me to a FRAUD line that never picked up. I tried a few other occasions and could never get through. When the Lender called me on XX/XX/XXXX, they put me through the FRAUD line and an investigation has finally started. Before then, the Lender mentioned to me that the purchases were made at a MD store. That is different than what I received on the text messages. The card bill I received does say MD and the amount of {$300.00}. I am worried there may be more than one account because when I call in with my number the balance was {$800.00} in XXXX. 

Once I reached the FRAUD line, they said they would start an investigation. They also stated that the email attached to the account is a different one than the one I told them today, which may explain why these purchases don't show up on my internet account. 

The account is in the name of XXXX XXXX. I have updated my name to XXXX XXXX XXXX for my IKEA account since XXXX or XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is my third complaint on the same issue as the company keeps closing the case without responding or solving the matter. The previous complaint numbers are XXXX and XXXX. 

Your global security team ( XXXX XXXX ) gave me false information and is uninterested in resolving the issue. XXXX mentioned your bank talked to XXXX XXXX at the receiving bank to recall the fraudulent wire but such person does not exist in XXXX XXXX XXXX. I asked her to look into the matter further to get me the correct information but she was not willing. I requested her manager ( XXXX XXXX ) to call me back but I have not heard back since XX/XX/26. I still do not have the proof that your bank tried to recall the fraudulent wire with the right entity. Please provide me with 1 ) date and time when the fund was delivered, 2 ) the copy of swift recalls you sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation