vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX. I am a widowed and XXXX veteran that resides in XXXX  XXXX, VA. I retired from the military the summer of XXXX and live on a fixed budget. Recently, I was in communication with a couple of associates that work for Quicken Loans. I was attempting to secure a mortgage loan to refinance my house. 

From a period of time from XX/XX/XXXX to XX/XX/XXXX, encompassing 17 calls ( 9 of which were incoming from Quicken Loans ), and 11 emails, all communication was suggesting that my loan application had been properly vetted and was approved. An appraiser was even sent to my home and my home appraised for $ XXXX more than was necessary for the numbers to work. However, at the last minute, I was told that a portion of my household income ( recently acquired rental houses ) was not verifiable income because of less than 2 years viability ( showing on tax returns? ). Why didn't they say that at the very beginning? Not only was this whole process a hard pull on my credit, it was a colossal waste of time for me. 

I would think that the associates that routinely process applications for mortgage loans on a daily basis would be knowledgeable enough to know this before getting that deep in talks with a client or potential client. I have been in my home for almost 9 years and have not had a late payment on my mortgage. There were 2 loan scenarios that were presented to me ; one was a refinance with rate reduction only and the other was a cash out refinance. BOTH loans had a monthly payment that is less than what I currently pay. It seems terribly unfair to have been led astray with the guidance that I received during this process. I'm currently in an adjustable rate loan and was looking to get some stability in my budget by getting a fixed rate mortgage ... especially with having my daughter start college this past academic year. I was told by the company ( on XX/XX/XXXX ) that even though I was led astray by their loan professionals that there is no recourse in this matter. Please advise ... 

XXXX XXXX XXXX XXXX loans offered to me by Quicken Loans : # XXXX ; # XXXX Here are the associates that I was in communication with : XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Related to XXXX, I like how Venmo worded and shifted things around in a way that conceals how few/some/many/all of its employees hid all the behind-the-scene activities, that include but limited to, stalking my account and causing annoyances. 

( Or maybe group up with random 3rd parties/others to come up with anything that they can use to damage or harm/injure me ). Though I'd love to use the same kind of standards against Venmo, I don't have other people who share the same enthusiasm to stalk Venmo or its employees to group up with. 

It's not something I did to cause these alerts, but these employees ' will to fish more random information that causes this " permanent closure. '' I don't recall that " XXXX '' existed for Venmo accounts. I did use two different bank accounts with Venmo, and all previous accounts were closed voluntarily on my own. I broke no agreement during that time. For 3rd bank account, because the Venmo representative only required the bank statement for accounts that were to be re-used, I was only able to use a debit card to activate it. I didn't try to re-use any previous bank accounts and that's why Venmo allowed the new account. 

It is also strange how Venmo suddenly put a freeze on my account, then require government ID then bank statements for ALL previous accounts. ( 1 ) It had enough ID to verify, even if this were truly an identification issue. ( 2 ) Requiring bank statements for all previous accounts contradict previous call on only requiring debit card for new account. 

This is exactly the reason I refused to give out any more information and I'm glad Venmo saved me from its employees be banning me from its platform. 

I'm " submitting '' this rebuttal to expose the hidden intent behind your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I had an escrow analysis performed on my mortgage in XXXX of 2020. Another escrow analysis was performed in XXXX. I received an escrow account disclosure statement on XXXX XXXX, to pay nearly {$1300.00} in shortage. I asked for an extension, as this would be nearly impossible for anyone to produce that amount of money in such a short amount of time. I asked for mid-XXXX  since I wasnt even provided 30 days notice to pay this. The servicer would not XXXX it. I asked to talk to someone about a refinance, as a nearly $ 400 monthly increase in my mortgage payment is very challenging. She said she would transfer me, then hung up on me. I would think that especially in todays economy, and given the fact that I wasnt even given 30 days notice to pay, a small extension could have been granted on this unexpected large payment. I have always paid my mortgage early or on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Amerihome Mortgage received my Electronic Transfer last month on Thursday and did not Credit it till Tuesday. That is 6 extra days of Interest on the Principal. If the Service XXXX Loans a Month that is big Money. When I called they just said " it was not that much money ''.

This month the Transfer was a Friday and they applied again on Tuesday. Another 5 days Interest on the Principal.

Now this Month I sent them both the Master Policy ( Townhouse ) Binder and Individual Policy Binder and they still charged me {$200.00}. They do not answer their Phones nor does their Online Chat work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I called my mortgage company Loan Care a few days ago and asked if I could defer my monthly mortgage payment for 3 months since I got laid off my job due to Covid-19.  They said no I would have to apply for a forbearance program which would allow me to skip 3 payments but that I would have to pay back in full at the end of the 3 months. I would have to pay 3 months in mortgage payments in full at the end of 3 months! I called back today and asked to speak to a supervisor. I was put on hold for 30 minutes and then another customer service rep came in the phone not a supervisor. I asked again to so speak to a supervisor and was put on hold for another 30 minutes for another supervisor. This person told me that they could only offer the forbearance plan that there were no other options.

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing this due to non-compliance with COMENITY/VICTORIA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Have a hard inquiry from Wells Fargo on XX/XX/19 which looks like a personal loan on my credit report. This was inquired about fraudulantly, as I never submited this.

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 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I currently tried to resolve this problem with credit acceptance. I submitted a FTC report, and file a police report inregared to this auto loan. I requested this loan to be removed off my credit. I didn't open this loan.

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Subject : Disputed Fraudulent Transactions- Citicards : XXXX {$89.00} and XXXX {$88.00} XXXX  Citicards very difficult to deal with - I purchased 2 products on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These were samples with no disclosure of any on-going orders or commitments. 

I then noticed that I was charged for two new / different products on XX/XX/XXXX ( XXXX XXXX XXXX {$88.00} ) and XX/XX/XXXX for ( XXXX XXXX   XXXX  {$89.00} ). 
Ive been a cardholder with Citicards since XXXX. I contacted Citicards online site to dispute these charges on XX/XX/XXXX since I did not order them, never received these products and did not commit to any obligation to an auto ship program. 

I believe these were fraudulent charges against my credit card likely from the same vendor. However, the Citicards online site to dispute these charges did not allow me to properly describe my complaint as a fraudulent charge for products never received. I did not believe I should be responsible for canceling an order I never placed and never received. 

Since I never ordered these or ever received these they can not provide any proof of delivery or a signature for the order or receipt. They just use the same card information that I provided to the original vendor / order. 
Im very frustrated that companies can use someones credit cards information and fraudulently bill people for additional products never ordered or ever shipped and CitiCards lets them get away with it.

Citicards is declining my dispute claiming I didnt cancel the order before the vendors auto ship deadline. I now have {$170.00} on my credit card and have spent significant time and effort trying to resolve this. 
Therefore, I need to raise this to someone who can thoroughly investigate and resolve this matter with Citicards. 

Vendor making fraudulent charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca

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 2020-04-08 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:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file 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 non-monetary relief
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}

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 2020-04-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX XXXX {$1000.00} XXXX XXXX {$1100.00}

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 2020-04-08 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: TX

Complaint narrative:
On XX/XX/2020 I requested validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. The original creditor XXXX XXXX XXXX was also notified by the collection agency of my dispute. I received two letters ( the second letter was the exact same as the 1st letter ) from XXXX XXXX XXXX XXXX XXXX obtaining billing statements and medical information that did not include a HIPPA release form with my signature. This is a 3rd party company and I have not consented for them to have an itemized list of my medical information. I requested for the late payments be deleted from my credit report by Experian, but they have yet to do so. Experian has not responded within the lawful 30 day period of their investigation of each disputed item. 

On XX/XX/2020 I requested by mail validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. There are negative comments and late payments on my student loan that have yet to be validated or verified. I have not received a response within the lawful 30 days from XXXX XXXX XXXX XXXX XXXX nor from Experian regarding this matter. I have sent non response letters to both XXXX XXXX XXXX XXXX XXXX and Experian regarding this debt.

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a list of fraudulent charges on my account I submitted every documentation that the bank asked for with no reveal i was then told the bank will not handle this to take action to recoup the 17 year old which is my daughter who was arrested for this matter. I also had another dispute in for a transaction that had nothing to do with my daughter who I found a recent police report It was also denied but I was told that they didnt have to give an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file 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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
On Thursday, XX/XX/XXXX I made a purchase to a private party through XXXX. The person failed to send the item and ignored my attempts for information. I contacted XXXX about this and they failed to attempt any recovery even after I filed a police report. I then contacted my bank and filed a dispute including the police report number. This transaction was in the amount of {$110.00}. My bank, Alliant Credit Union has informed me that they will do nothing and to resolve it on my own. I have had two other theft/fraud purchases that Alliant  has given me the exact same response to. The second transaction was in the amount of {$120.00} paid through XXXX XXXX   and again with a police report number they were unwilling to help. Finally another purchase through XXXX in the amount of {$75.00}. That XXXX not the bank would assist with even with a corresponding police report for theft/fraud. I included all communications with the private parties to the police to be included in the report. XXXX, XXXX XXXX, not Alliant will do their due diligence to research this theft and have done nothing as far as I can tell. I have received notices of XXXX decisions against my claim. I can provide communications between myself and the other private party.

Company response to consumer: Closed with explanation