vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I applied for an FHA mortgage loan with Rocket Mortgage and submitted all of the documents they requested to get pre-approved. In return I was given a " Verified Approval Letter that stated the following : This is your official Verified Approval, backed by Rocket Mortgage. 
This Verified Approval is proof that your income, assets and credit score have been fully confirmed by our underwriters, giving you our most accurate evaluation of what you can afford. 
Since we have verified your information, you can be confident well close your loan. In fact, were so certain youll make it to closing, well pay you {$1000.00} if you dont.. 

Literally days before closing I was told my application was got denied and my loan did not close and I lost the house I was going to purchase because of it. The denial letter stated that my loan was denied due to unverifiable information and credit history??? Their verified approval is subject to Rocket Mortgage reviewing my credit history and verifying all necessary information so why did they give me Verified Approval Letter if they didn't verify everything and review my credit report? I spoke to XXXX XXXX and told her I wanted the {$1000.00} I am entitled to if my loan did not make it to closing as written on my " Verified Approval Letter and she said I was not eligible to receive it. Why? I did everything I was supposed to do on my end only to end up losing the home I planned on purchasing because Rocket Mortgage failed to do everything they needed to do on their end BEFORE giving me " Verified Approval '' Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America clearly does not know the definition of fraud. Someone fraudulently used my card and charged {$230.00} without for a XXXX transaction on XX/XX/2022. I contacted XXXX and disputed the account. They refused to credit the transaction and provide any details about the reservation and the email address associated with the account was not mine. I contacted Bank of America and requested of them to take the charge off due to fraud. My account was issued a temporary credit for the amount. 

Today, I received a letter from Bank of America indicating that the are denying my account because the merchant provided proof that the reservation was made by me. This is false and the Bank did not even bother to call the hotel because no-one stayed at the hotel on that date. I want Bank of American to contact the hotel in question and issue me a permanent credit for {$230.00} as this fraud claim is valid.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
Dispute was Filed XX/XX/2021, for XXXX bank transfers that were done and not authorized by me and did not go to my account. I called, filed a dispute form, called again and they stated that I had to write it out, by hand, and fax it, with a photo attached with my card. I did. It has been over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # s remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, TransUnion XXXX  XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am applying to start my life over again and I am being haunted by misinformation on my credit report in the XXXX XXXX XXXX. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, XXXX XXXX  Equifax to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the XXXX XXXX XXXX and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer XXXX  years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2019 I went to the XXXX  located on XXXX XXXX XXXX, XXXX, NY XXXX to send {$250.00} to my sister in Maryland. I paid an additional {$24.00} to have the money order expedited. My total came to XXXX. 

The following day when my sister went to retrieve the money order she was told that there was an error in the transaction and that the funds were returned to the sender. 

Upon returning to the location, I was told by one of the cash attendants that the funds were already paid out. 

After multiple calls to their head office, they only could tell me that it was paid out. After several other phone attempts I was told I should contact my local precinct if I thought that I had been defrauded. 

The precinct did investigate the matter and the results are included in attached files to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. Please see attach documents/ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I called fedloans in XXXX because I could not afford my monthly payment as a new teacher with XXXX kids. They did not offer to check my eligibility for an IBR, they told me to submit a forbearance. Then, I started my masters in fall XXXX, they did not tell me that my loans would automatically go into deferment. Deferment was not my choice and forbearance was psyched on me. I worked with an eligible employer since XXXX and my payments should have been {$0.00}. In XXXX, they advised me to consolidate my Loans. They did not tell me that o could opt out of deferment and back date it. They fail to acknowledge giving me misinformation. Please take this opportunity to understand that I was pushed into deferment and forbearance without the proper information for PSLF. All I ask is that they review my case and apply my years of service to my count.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
To whom this may concern, Thank you for taking this case. I reached out to the Michigan governor 's office and they forwarded your number so I want to start by saying thank you. 

Earlier this month, I submitted a dispute on XX/XX/XXXX for multiple unauthorized transactions on my account. I recently had another dispute open for the same thing. Originally I thought that my credit card had been lost and stolen, which it was, so I ordered a new one, but when the next batch of unauthorized charges came in, I knew something was wrong. 

I reached out to the bank on XX/XX/XXXX and immediately disputed the transactions. The transactions were roughly {$6900.00}, there was another dispute open for charges around {$2700.00}, which were unauthorized. I received a letter stating that the charges were valid without any explanation behind why they were valid, I explained to them that a family member who had been in my home had used my card without authorization. A fifth third told me that they would help me out, they said they would issue me a temporary credit, which they never did, and that they would help me get to the bottom of it. 

A few days later, the bank called me and told me they were closing my account without cause. I had a separate account that was also jeopardized by the same family member, there were some withdrawals and deposits in the account, the deposits were roughly {$1800.00}, I disputed the deposits including the withdrawals, they took away the credits totaling {$1800.00} and also gave back the additional money that was unauthorized. I don't understand if they say the charges are valid, why would they also return the deposits that I disputed? 

The person responsible for the unauthorized charges admitted to it and I also provided that information to the bank. Upon doing my own research, the accounts that were used to make the unauthorized charges were in a completely different name and not my own. The changes made to the account were also charges to places that I had not been to which I had also told the bank. 

I am reaching out to you guys because I do not feel the bank handled this situation accordingly, I believe they completely threw the case out and also force closed my account, then sent me a statement saying that the charges were valid. They didn't do any investigation, they never called me, they did not contact the person who was responsible, and they made no attempt to credit my account, only to completely freeze it, making it negative XXXX XXXX dollars in total for both accounts and then close it so that I couldn't do anything with it. They also completely blocked my access to be able to log into the accounts online. 

I know that this is a bit long but I wanted to provide as many details as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX , AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
I got a {$700.00} loan from this company thinking it would be over once they got {$700.00} with some interest back for it. Apparently their idea was to keep billing me {$180.00} for the next given period of time amounting close to {$4000.00} dollars! I already paid {$740.00} and now its showing that my pay off as of today is {$930.00}. I called them some odd weeks back to ask them if they would close out my account because after I did some research I realized they never told me about my right to rescind after one of their representatives called me to pressure me/ rushed me to docu-signing the agreement electronically did I get the information regarding the contract. I had already been duped into signing the agreement in so many ways ( basically me not knowing they were locking me into a predatory loan with super high interest rates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: INVESTORS BANK
State: CA

Complaint narrative:
Hi I was charged by XXXX XXXX XXXX with an unauthorized charge and then them trying to cover it up after i disputed the charges by saying they have the product and reciept which was create after the dispute. Its been two months and this is my second dispute. The business reached out after I disputed and acted like they were going to supply a product. 
I asked them what product and they said they had a receipt for something I ordered, which was incorrect. I had received fraudulent charges on my card two other times thereafter that were denied due to me having my card locked at the time and in which the company tried to deny those charges as well. 

at the same time i addressed the store they forwarded me a text with reciept that showed they were giving me a deal with a discount!! 
This company does not follow proper business protocalls and is scammers with bad business ethics. Don't Let your info get in their hands. 

I wouldnt recommend doing business or let your personal info get into their hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor : XXXX XXXXE ) XXXX MEDICAL XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX EXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX 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 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