vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance. 

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance.

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TN

Complaint narrative:
Please refer to my previous complaint filed - # XXXX. At the resolution of that complaint XXXX was suppose to remove the incorrect information and send me a corrected copy of my credit report. When the company could not prove the validity of the account information, XXXX  removed the information from my credit file. I pulled my credit report today to find the account has been placed my credit files for Transunion and XXXX. So if you can't get in through one door, you try another! Really! So we are back where we started in the initial complaint. The collection agency has not proven the validity of the account and I have adverse and inaccurate information on two of  my three credit files. Something needs to be done about these ruthless collection agencies that prey on innocent people. XXXX, XXXX needs to be closed down if they are not willing to do their job within the realms of the law. I am sick and tired of having to keep fighting off these vultures.

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 2020-07-26 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Dear XXXX  : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. Synerprise Consulting in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. Synerprise, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account Synerprise Consulting as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In 2016 I hired XXXX XXXX XXXX to help with settling our debt. Through them, we settled the accounts and I paid Capital One Credit Cards off. I have been getting numerous letters from debt collection agencies trying to collect on this debt. When I send them a fair credit reporting letter requesting proof of debt and supply them with the paid account information, they sell the debt to another company and the cycle is continuing and the debt is being reported as though the credit card is still active and payments are late. The account is not still active and it has been settled and paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: HI

Complaint narrative:
Here the Steps I took : 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian ) each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue them.

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 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I have an account with Charles Schwab. I sell items on XXXX and XXXX. I recently received a small SBA Covid assistance loan amount of {$5400.00} and my XXXX account has since been blocked. I use this account to pay my credit cards/expenses and to receive payments. I was given no warning about losing account access. How do I pay for things? I have called multiple times and no one will help me. I first called on Thursday, XX/XX/XXXX after trying to pay a credit card payment that was due and found I could not login to my account. I called again on Thursday. I also called on Friday. I kept being transferred to different departments. First, someone told me someone had tried to login from XXXX. Then they tried to help me reset my username and password, but that didn't work either. Then I was told my account was being investigated for fraud and the issue was above their pay grade. They have made me feel I have done something wrong and that I am a bad person, when I haven't done anything to deserve this treatment. I can't believe no one there can help me in a timely manner. I don't have days/weeks to wait to access my account. They have not asked me for any documentation of any sort, which I would have happily and quickly supplied. It would have been nice if they asked me for whatever they needed prior to blocking/freezing my account. There is just no sense of urgency, when there absolutely should be.

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 2020-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a US Bank ReliaCard, which is a debit card issued by the government on which they deposit funds for Pennsylvania Pandemic Unemployment Assistance, along with Federal aid. I have been unable to transfer the money on the card to my bank account through their website, although this is one of the options they offer for using the funds. 
I have tried calling the bank, only to be put on hold for hours, and then the call disconnects. I can withdraw funds through an ATM, but then I incur charges for the withdrawal. I have been trying to transfer funds for the past 2 weeks.

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 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to purchase gas at XXXX using my Chase visa card and I was declined at the terminal. I called Chase and they said it's BJs issue with the terminal. I spoke to the manager at XXXX and he said it is the Chase Card. I called Chase back and they said use another terminal. I tried that and still declined. I had to use another card which worked fine. I have had my banking relationship with Chase for over 30 years. I called Chase back and all they tell me is that my card is fine and it's the merchants fault. I don't know what to do - trust this card or carry two cards with me all times. It took over an hour of my time to get gas when it should have taken 5 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 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: FL

Complaint narrative:
XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on XXXX & nothing reported at all on Transunion at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX TRANSUNION XX/XX/XXXX XXXX. PAYMENT STATUS How can I be late 120 days on Transunion and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF EDXXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX XXXX  SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!

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 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX i transferred {$4000.00} to XXXX XXXX, transaction # XXXX. On XXXX XXXXXXXX XXXX XXXX requested XXXX, the receiving Bank, to send the money back and they provided information/proof of the return. I validated that they have the correct account & routing # s for me. they provided the following proof : Chase reference # XXXX and the federal tracking # XXXX. When I did not see the money in my account, I called Chase on XX/XX/XXXX and 3 other calls since. I am submitting a complaint because I have not been able to get a straight answer from Chase other than " I don't see the money return to your account '' nor were they willing to take the numbers i shared in this complaint. They have been unusually dismissive and not willing to provide me with appropriate direction to address this through them. I reached out through XXXX on XX/XX/XXXX and they came back with the same thing. I spoke to the claims department and they said I've reached the wrong party as the wire issue i presented was not a true claim. Imagine that, me not receiving my {$4000.00} in my account is not appropriate for a claim. On that call the folks in claims advise that i send a secure message and I did on XX/XX/XXXX. I don't even know if it got to the correct party as i could not get clear direction. FYI - Even the claims folks were not interested in the federal tracking or the Chase issued referenced number. Thank you in advance for you help. I am not a rich person. I was just trying to help out a friend who in the end didnt need it but i would do it all over again just no by transfer just withdraw and drive the 3 hours to get it to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to Transunion Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you

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