vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For XXXX 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For TRANSUNION 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For EXPERIAN 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For XXXX  1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
We are retirees seeking funds to repair our home We have a manufactured home which is nearly impossible to finance through a typical mortgage so we thought we would apply for a reverse mortgage. 

We applied to AAG and disclosed everything up front to the salesman who of course said 'no problem ' and assured us of several things he proved incorrect on. We paid, up front for counseling, a notary and appraisal to the amount of XXXX dollars. 

I related my concern that tree roots had disturbed the cinderblock skirt on our permanent foundation and he said 'due to Covid appraisals were no longer inspected on site so it shouldn't be a problem. '.so we paid the XXXX dollar fee Then they wanted an engineer report which we have declined because they, after some insistence on my part revealed that the damage might need to be repaired BEFORE escrow closing.. 

Repairs are why we need the loan but now we've spent {$800.00} only to flush it down the toilet. 

I believe they are busy keeping their Vendors healthy financially so when they feel safe about future real estate values and start approving loans again they will have appraisers et al still in business for their convenience They are extremely inattentive to my calls since their anxious request to send money for the appraisal which took 6 weeks to receive after numerous requests from me as to its whereabouts. 

When I received it was filled with SEE ADDENDUM which basically was a disclaimer for the appraiser since he could not visit the interior of the property, but merely photographed from the street. 

I think they had no intention of closing this deal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
First a little background. I opened an account with Best Buy on XX/XX/2014 for the purchase of needed equipment. As required by the account terms and conditions I paid off the account when it was no longer needed. I had not used the account after the final payment and no longer thought about it. I was not made aware of any issue until I started to work on the purchase of a residence. To my shock a derogatory matter appeared on all three credit bureau statements. 

At no time had I been contacted by Best Buy/CBNA via any means regarding this problem. Not e-mail, telephone, snail mail or any form of communication if I had I would have been able to either prove payment or provide funds to cover amount. 

I immediately began trying to contact Best Buy/CBNA via mail, e-mail, telephone and social media with no results. Every telephone number listed in various reporting agencies has not worked. As a matter of fact, several just drop several are no longer in service. Just tried to contact you using the most recent number ( XXXX ) XXXX XXXX waited over 30 minutes and nobody picked up. Since CBNA has several office locations I tried them all which once again proved to be fruitless. The bureaus show that the account was closed by you with no information as to when it was closed yet you have been reporting to all three agencies, monthly, with late payments reaching back several years. If this account was closed by you how is it that you have been showing late monthly payments.

The amount shown as being late is a paltry {$55.00}. With a credit limit of {$750.00} do you really think that I would not pay a small amount. Although I do not have bank records going back that far I know that all payments were made to you on a timely basis. I insist that Best Buy/CBNA remove the derogatory remark ( s ) on all major credit bureaus.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc
State: CA

Complaint narrative:
XXXX Loan Application submitted with all required documentation XXXX Loan disclosures by the lender signed by us XXXX Closing disclosures signed. More documentation required after Closing Disclosures already signed XXXX Interest rate lock of 2.875 % expired XXXX 95+days after I submitted my application.. .my loan was 'still pending '. Due to inaction and endless/duplicate documentation request by XXXX XXXX XXXX and OCMBC, the lender, I terminated our loan application by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
In 2014 I went to Carhop to get a car, i put down {$500.00} and i was supposed to pay {$320.00} a month, the car was in an accident which lead the person who caused it insurance company paying out {$3500.00} so i had to pay a little under {$800.00}. I called the UAC company the lady told me that if i paid off the balance then she would make sure it would be taken off my credit report. I have tried disputing this since and no luck they wont take it off even after they didn't hold up their end of the deal. I paid what was owed and i feel it should be taken off my report, I have been disputing this same company since 2014 and i am pretty fed up so this lead me to write this letter. I hope i can get some type of relief now.

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 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: PA

Complaint narrative:
XXXX had 4 collections on my credit report 1 was deleted when I disputed thru XXXX. The other three they claim are from XXXX XXXX Hospital family practice which dont have any record of me or my children owing any bill at any time. Me and my children have all been going to XXXX XXXX XXXX XXXX since they were born and I was a child. We still go to this family practice till this day and they have no idea what XXXX XXXX is talking about. I asked for verification of the debt and to compare to XXXX XXXX database and even the names of the physicians are not in me or my childs medical records. XXXX XXXX is  reporting false information on my credit report and have been affecting my credit for years. Oh and they also tried to say we have your health insurance on file but I supposedly said dont charge my welfare insurance even though they have been paying for all on me and my childrens medical needs since I have been and adult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
In XXXX applied for two refinance loans with Quicken loans. One on my primary residence and one on my investment property. I completed everything required of me by Quicken. I provided all my financials and documents requested. We had appraisals taken of both properties. Late in the process, in late XXXX, they tell me I must provide an " CPA audited profit loss statement ''. I am XXXX XXXX. I had already provided them my filed XXXX & XXXX federal tax returns. I provided my tax transcripts. I provided a XXXX profit loss statement and all my XXXX business checking statements showing all my income and expenses. Then they tell me they will not take anything but an audited profit loss statements. 

My CPA told me and audited P & L would take weeks and cost a significant amount of money and is like a forensic financial audit. Quicken would not give me any explanation about what was needed beyond saying 'an audited P & L '. They would not elaborate. They would not provide any alternative to these 'requirements '. 

I was railroaded out of my applications and they closed them out without asking me. I appears they did not want to make the loan to me and they would only tell me this was 'program guidelines '. When I asked for the guidelines, they would not provide them or elaborate. They knew I was XXXX XXXX at the start of the process. Quicken sells itself as highest in customer satisfaction in mortgage origination. No one would want to be treated as I have -- have a complicated requirement placed on them very late in the process with no  explanation ; then when I want more information, or alternatives, I am ignored or basically told to get lost with no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had over a {$7000.00} credit balance on my CITIBANK Costco Visa card that I wanted refunded. Citibank told me they had to take three days approve my credit balance for a refund and another 7-10 days to send a check. I told them it was my money that had been refunded by Costco and did not require their approval for a refund. They insisted that it was required under federal reserve rules which is not true. I closed my account immediately and told them I wanted an immediate refund as I am no longer a cardmember. I want my credit refund and I want a fraud investigation into Citibank.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
This car was an expensive monthly payment & because of this, it was voluntary surrendered to the the loan company which still resulted in a repossession on my credit unfortunately. This has impacted me in many negative ways.

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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I have been attempting to close my account with TD Bank for a month now.

I emptied it and sent 13 messages with no replies to request it be closed. I have also called twice and those calls are recorded, my account was not closed during those calls. I have reached out on Social Media and nothing became of that.

I am immuno compromised and can not go to a physical branch at this time.

There was then an accidental charge to my account and I transfered funds to cover it. I now have to wait for those funds to not be pending to close my account.

While waiting I have been charged fees for having XXXX $ in an account I have been trying to close, when I was informed in a recorded call that no fees would occur until XX/XX/20 I am extremely stressed about this situation and TD bank has done quite possibly the closest to nothing I have ever seen to resolve my issue.

Please help me, I've already lost so much in fees to TD. I honestly feel cheated by this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I keep getting phone calls from American Express for a debt and credit card that belongs to my niece. My niece does not live here, they have been told this and told to stop calling. The person from the company said they got my name off of her credit report somehow, not her account because my name, my address and phone number are not in any way associated with this account. They are divulging her personal information to me which they should not be. They are disturbing my sleep pattern as I work night shift. I feel personally violated as they keep calling me for her debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a mortgage application with Chase on XX/XX/10. As far as I know I did not consent to a credit pull. 

A mortgage rep ( XXXX XXXX ) tried to call me twice after that. I was not able to take the call, though I attempted to get back in touch with them. The rep did not leave a number. 

I heard from the rep again in XXXX. We spoke on the phone briefly about prequalification ( not preauthorization ). No mention of a credit check was made. 

I got a notification later that week that there was a hard pull against my credit. I wrote an email to XXXX and his manager XXXX XXXX. XXXX called me and gave me information to report an escalation. In the meantime I was connected through my work to a different mortgage rep at Chase, who filed the escalation on my behalf. 

When I got in touch with the escalation department ( my case was handled by XXXX XXXX -- spelling may be wrong ) they told me that the rep ( XXXX ) tried to call me twice in XXXX and never got ahold of me. I told them that I had attempted to get in touch with him, and had spoken with him in XXXX, and he never verbally asked for consent to pull my credit. This information was not in the escalation report but that did not seem to matter to the escalation department. I spoke with XXXX XXXX ( who was friendly ), never XXXX. 

XXXX was unable to present any proof of my consent, other than stating that consent was received electronically. He could not provide the contents of the consent, but said he would expect the online application to be fully legally compliant. He also said that Chase 's policy was not to change or amend credit information. 

I am now in a position where other places I want to apply for a mortgage will have a lower credit score to work with, because Chase 's pull lowered my score. I was not able to line up lenders to take advantage of the window that Chase 's pull created. In XXXX I was prepared to do that, but by the time they actually pulled I was not in a position to get other pulls from other lenders. This has put me in a position where other lenders may not be able to compete with Chase, because of the damage to my credit report. 

And I still don't have any recollection of consenting to any kind of credit pull, nor was Chase able to provide any information beyond stating that I consented electronically. No document I signed, no terms I agreed to, no verbal consent, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation