vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
0N XX/XX/XXXX I Aplied for a refinance conventional mortgage With Quicken loans AKA : Rocket mortgage. I was asigned loan officer XXXX XXXX after submiting several common documents and information .Quicken mortgage engaged in a patern of actions That I later learned is referred to as ( Red lining discrimination ). In violation of the Law QUICKEN mortgage conspired to create several dificulties to make my aplication procces as long and deceiving as possible. by using information that I did not provided about my employer instead Quicken used a wrong XXXX search and used a wrong employer in my aplication instead of using the pay reccords and failed to fix the error several times when told about it. They took about 28 days from my aplication date to asign a loan officer to my case, They took abaut 60 days and demanded repairs to the property as a condition for the loan, they had several unreasonable request for documentation and after I complied with. they keep requesting the same documents and conspired to avoid the closing of the loan in XXXX ocasions. closing was squedule for mondays and they requested documents by the weekend despite those request being previoulsy completed. During the procesing of my Aplication they used many diferent employees that used my procces for training and created a lot of confusion since each one of them was not a loan officer and poorly trained .Once againg I accused Quicken loans of cherry picking aplicants and engage en discriminatory practices and using delays and dirty bussiness practices to ensure that minorities or undesired geographic locations fail to get a mortgage .In my case they requested documents that were already provided and did it during the weekend .They sended to my employer XXXX XXXX an employment verification form and my employer filed and returned to them by fax and email on XX/XX/XXXX they acknowledge receiving it but a few days later near closing date they stated that they have been unable to contact my employer which was a complete lie. every efford made by my employer was useles because their several reps keep falsely stating that the procces was never done .After 3 moths I once againg provide them with last paystuff. those paystuff showed a lower pay rate than the previous one .on XX/XX/XXXX we discused options to adress the diference by using cash reserves, reducing the amount of the loan and using a co signer .I was promised a couse of actions to solve my complaints and to solve the diference in income. 
on XX/XX/XXXX I was called by Quicken rep who stated that they would not procced with the loan and they are not interested on a co signer neither a lower loan neither in the cash reserves option that they one to part ways. I stated that that was a violation ot the ECOA But he stated that it wasfor another department to handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/2019 online form transmissionTo whom it may concern at the Consumer Financial Protection BureauOn XX/XX/2019, I sent $XXXX via PayPal to XXXX XXXX but PayPal took my money and still has not given it to XXXX and even after my asking for it back, PayPal would not give it back, even after multiple phone calls made by me to them. They infer that they can hand on to the money as long as they like it since they deem it to be a 'suspicious' transfer. That is theft in my mind, holding on to my money because they consider it to be suspicious. If it's so suspicious, they should just send my money back. I suspect they are punishing me for selecting the option of 'sending money to friends and family' instead of selecting the option of it being a business payment. That is not a crime. It's a choice since XXXX is also a friend of mine who pays his own taxes and is responsible for this income and any taxes owed from it, if any. But this is a lame excuse for withholding money.They insisted that I give them the date of birth of someone named XXXX XXXX since the name 'XXXX XXXX' was typed in the notes area of my transfer. XXXX XXXX was not involved with this transfer and he is a third party so there is no legal reason why PayPal has to ask for his date of birth. XXXX is merely a book author I promote and I use subcontractors to help promote him. XXXX XXXX   is one such subcontractor.Please have PayPal either give the money to XXXX or refund it back to me. Let them know that they have no legal right to require an unrelated 3rd party to provide their date of birth. This makes me look bad in the eyes of my book author and my contractor. PayPal has harmed my relationships and repubtation. Thank you for helping remedy this injustice.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  , NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I've disputed this alleged debt several times, and I've filed a previous CFPB complaint in reference to this matter, please help me! This company continues to report on my credit even though they've never sent me any of the documentation I've requested from them or the credit bureaus! I don't know what this debt is or why it's on my credit reports and ERC has never ever verified the account to me, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have multiple charges from XXXX XXXX XXXX and XXXX XXXX for game charges on my cell phone that total {$180.00} from XX/XX/2019 through XX/XX/2019 that are fraudulent charges and a {$26.00} charge for XXXX that was a fake website that I reported to the FTC and the police department because I ordered two items from that website and never got it and learned it was a fake website. 
I notified American Express Serve of the charges beginning in XX/XX/2019 and multiple times thereafter. When I first contacted Serve about the XXXX charges she immediately wanted to cancel my card and i refused because my government social security payment was due to be deposited via direct deposit in two days and I have financial obligations. I was told that if I didn't agree then the charges would stay and I had no choice. I again reported additional charges in XXXX and XXXX in XXXX and made a complaint and Serve failed to initiate an investigation. I called again in XXXX and was told that they would not reimburse me or do anything about any of the charges further back than 60 days and of course the bulk of the charges were the first two times I contacted Serve about it. On XX/XX/2019 Serve cancelled my card and took the complaint and I heard nothing for a month so I called them back and asked what the problem was. I was told that I did not sign the fraud form declaration and that is because i never received it so they had closed out my complaint. I was upset and they said they would start a new one and I said no. They emailed me another link to the fraud form and I filled it out and could not upload it to their site. I contacted them again, now keep in mind every time I call these people it takes an hour to get through it. It's ridiculous and none of them are American and hard to understand and you have to repeat yourself and your information to everyone you talk to repeatedly its annoying as XXXX and very irritating and time consuming. I wasn't able to upload the documents so I called them back and they put me through the whole nine yards just to speak with the fraud department to tell them I couldn't upload the documents and needed an email address. Every one of them told me they don't have email. Really? Then how the XXXX did they email me the fraud form link in the first place about 25 times? They gave me a fax number and I don't have a fax machine so I had to go find one and I faxed it not once but three different times because they kept saying they didn't get it. 
Then I got sick with XXXX and went to the hospital for three days. As soon as I changed my card and got a new one all the fraud charges stopped. Serve acknowledges that and yet they denied my claim for the charges that are fraudulent which is absolutely ridiculous and they still are saying because they didn't get the fraud form. No email give me a break.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC
State: NC

Complaint narrative:
I submitted a mortgage refinance application on XX/XX/2019. I signed a lock agreement that with a fee of $XXXX for cancellation "Once loan is approved with Conditions and client(s) wish to withdraw". On XX/XX/2019 I asked for withdrawal of my application as I found a better product. I was then notified that the loan was approved on XX/XX/2019 and that I needed to pay a XXXX$ cancellation fee. I am told that the status could be tracked on the loan application portal. However, I have not received any notification of the approval nor have I accepted the "loan approval with conditions". I believe the charges are unfair and I should not be responsible for the failure of the lender to notify me.I look forward to hearing from you. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/19 and XX/XX/19, I disputed inquiries on my credit report through equifax they told me i needed to reach out to all the companies which i did and they could not verify i applied to these places and told me to re contact equifax and they will not remove them. Attached is the copy from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: IL

Complaint narrative:
Hi, A background check was requested through accurate background for XXXX XXXX. The information on this report is inaccurate. It states I was sentenced to 1 year of XXXX with 2 days XXXX  credit. This is absurd, for operating a vehicle while iXXXX. I was never ever sentenced to any XXXX  time what so ever and have never been to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Fedloan servicing has processed my income based repayment monthly payment in error. I have attempted to call and after 2 hours of 3 phone calls, they did not fix the problem. 1. My husband and I both use fedloan. 2. We file our taxes jointly. 3. His recent IBR was processed to a payment of $XXXX a month. 4. Mine was not processed and stated there was an error. I was asked to resubmit mine. Once I did and it was reprocessed, my payment doubled to $XXXX, as if my husband wasn’t paying his. 5. I need this corrected as a) I normally pay $XXXX a month, and b) my income has reduced, so it makes no sense for my payment to be increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I added an amex offer which is Spend $XXXX on XXXX XXXX get $XXXX back. I used this Amex offer on my amex green card on XX/XX/XXXX and the transaction has been posted. But Amex didnt credit this offer. They say that the merchant (XXXX XXXX) processed my payment via paypal even though I made the purchase directly via my Amex Green Card. They did not redeem this offer and I did not receive the XXXX   dollars credit at last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The account was a secured credit card for $XXXX but they are charging me $XXXX and reporting 21 charge offs to the credit reporting agencies. I have tried to contact them but they sent me a letter telling me to stop contacting them via phone or mail. Now I received a letter from a collection agency named 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 2019-12-11 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:
THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE RMEOVED IMMEDIATELY OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Repeated phone calls from Ally Financial to other people who may know me after they have been told to stop calling by those other people.

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