vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We refinanced with quicken loans. Quicken loans went through all the info with us and the mortgage payment was to include our taxes and home owners insurance. We were given a new mortgage amount and we were happy with the new monthly payment. We decided to go with them. Quicken loans charged us over $ XXXX to go through with the refinance loan. We later found out they made a mistake and did not include our homeowners insurance into the home loan after all the paperwork was signed and done.They admitted to the mistake. Quicken loans just said oops and sorry and now your mortgage is going to be a higher amount. If not, you the home owner, just needs to pay it on your own. How is a company going to state the home owners Insurance and taxes were going to be covered in the loan and now say we ( the home owners ) are responsible for their mistake after docs are signed. I was emailed by a XXXX XXXX and stated that we are terribly sorry and you will need to figure this problem out on your own. Quicken loans collected a hefty amount to make sure all docs were correct and now, all we are getting is sorry our hands are tied!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This debt is not mine I never had any of this dates of service I've already try to talk to someone to get this resolve to no avail

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 2019-09-17 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: TX

Complaint narrative:
There are accounts on my report that aren't mine that need to be deleted.

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 2019-09-17 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: TX

Complaint narrative:
There are accounts on my report that aren't mine that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
There are accounts on my report that aren't mine that need to be deleted.

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 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/2019, I went to my appointment at the Bank of America branch located at XXXX XXXX XXXX, XXXX, KS, XXXX. The reason for my visit was to open a new checking account in response to an offer I received in the mail for a {$300.00} bonus after direct deposits totaling {$4000.00} or more. XXXX XXXX was the Relationship Manager who opened the account with me and I watched her type in the unique offer code from my mail offer so I would receive the bonus. My initial {$100.00} deposit receipt is attached show the account was opened and funded before the XX/XX/XXXX deadline for the offer. 

The terms of the offer stated I had 90 days to receive {$4000.00} or more in direct deposits. By XX/XX/2019 I had met this requirement and on XX/XX/19 I exceeded the requirement having received {$5000.00} in direct deposits by that date. 

One I had met the requirements of the offer, the terms stated I would get my {$300.00} bonus within 60 days. This 60 day waiting period was over on XX/XX/2019. 

On XX/XX/2019 I contacted Bank of America ( XXXX ) to ask about the status of my offer. The first representative who I spoke with ( I believe her name was XXXX ) said she did not even see the offer on my account. She then transferred me to XXXX XXXX in the preferred client division to looking into my account further. 

XXXX also did not see the offer on my account and I gave him my offer code as well as some other information so he could request an investigation from the marketing team. XXXX gave me XXXX as a reference number for the marketing team investigation as well as XXXX as the phone number to contact his preferred client division directly. He informed me the proper teams would look into the issue and if it was decided I was owed the {$300.00} bonus, they would mail me a check within 30 days. 

As of today XX/XX/2019, that 30 day waiting period has ended and I have not received a check/deposit for my {$300.00} bonus nor any other communications from Bank of America.

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 monetary relief
Consumer complaint received 2019-09-17 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: CA

Complaint narrative:
I tried to open an a XXXX XXXX account on approximetly XX/XX/XXXX and they ran my credit through equifax. On that same date I pulled my own equifax account. The score I pulled on my own account was XXXX but the score given to me by XXXX XXXX was XXXX. They also said i have delinquent accounts but my report from equifax says I have none. I called equifax and they tried to charge me 8 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: GRANITE STATE MANAGEMENT & RESOURCES
State: NY

Complaint narrative:
I applied for a student loan for my XXXX. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a XXXX XXXX XXXX at XXXX XXXX XXXX UNIVERSITY. From XX/XX/2018 to XX/XX/2018 Granite State Management took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my XXXX is no longer in school. My XXXX has been a XXXX XXXX XXXX since initial enrollment. I was told I had to make another request for a deferment. I went to my XXXX  school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I deposited {$1900.00} cash, at the ATM drive through located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, for which I did receive a receipt of the transaction and later discarded. On XX/XX/2019 upon accessing my account via mobile app. I identified that the transaction I made on the night of Fri. XX/XX/XXXX, didn't reflect on my account. After several failed attempts of speaking with a live banker at the mentioned location, I contacted BOA Customer Service and filed a complaint # XXXX, informing them of the above. I went to the extent of informing the agent that when I attempted to use the 1st ATM, it stated it was not accepting deposits therefore having to use the front ATM. Today, I received a notification stating that the claim was closed and while they were successful in locating the transaction, they could not locate the cash for this transaction. As a result the monies I was credited ( {$1900.00} ) will be taken from my account. This is absolutely unacceptable and needs further investigation i.e. video footage, copies of transactions during the time of my deposit etc. I've made many deposits at this bank location in similar amounts without incident. This is one error that can not be overlooked. Please assist with further investigation as this is a major error on BOA behalf. Regards

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 2019-09-17 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: NV

Complaint narrative:
The bankruptcy and accounts aren't mine.

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 2019-09-17 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I contacted the Consumer Financial Protection Bureau back in XXXX of this year regarding the incorrect information that was being reported by US Auto Sales. They stated in the last complaint that I never requested a deficiency balance and at that time updated the balance with all 3 bureaus and sent me a letter. My complaint is now of the same nature. Not only were they reporting inaccurate information to my credit file, but I never received a notice of sale for the vehicle, and as they mentioned themselves on the last complaint they never provided me with a deficiency letter until I filed a complaint.. Since I was not provided with a deficiency letter ( until I requested they update the balance ), and I was never provided with a notice of sale for the vehicle, I would like for this to be permanently deleted from my credit file with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: NV

Complaint narrative:
The bankruptcy and accounts aren't mine.

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 2019-09-17 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: NV

Complaint narrative:
The bankruptcy and accounts aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : TRANSUNION CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX XXXX, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-XXXX XXXX ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

XXXX XXXX  AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY TRANSUNION CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX-Tuesday, transunion is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is  refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX  XXXX is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX   XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, 2018-Saturday ). 

XXXX XXXX AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX  CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX   Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I had a tenant who paid rent via cashapp. He used cashapp in XX/XX/XXXXand cash app took the money. He again paid rent via cashapp in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX He has proof he paid, the problem is the money never was sent to me the landlord. He called a number for cashapp on line and the representative was most helpful in hacking into my bank accounts. When i contacted customer service at cash app, they only respond via email. I was told via email that my account was compromised, I needed to open a new account and the money would be transferred. That never happened. In fact cashapp wanted my bank account information and all corresponding passwords. I refused to share this information and was told the sender would receive a refund. That has not happened. 

I email cashapp weekly asking for assistance and my money and I don't get a response. 
I am talking about over {$4500.00} in missing cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Pressler & Pressler, LLP
State: IL

Complaint narrative:
I live in XXXX, Illinois and my sister XXXX who lives in XXXX, New Jersey received a certified letter ( on XX/XX/19 ) from XXXX XXXX XXXX stating that the law office of Pressler, Felt and Warshaw, LLP submitted a lawsuit to collect on a a credit card debt that was settled nearly 3 years ago, now. My sister scanned the info and sent the digital copy over to me to confirm all of the incorrect information in the lawsuit and the fact that it was sent to an address that I have never resided at, and where the debt was never originally carried. I made several attempts today ( XX/XX/19 ) to contact the law office to straighten this out and finally got through to the individual named in the lawsuit, and the individual that I spoke to, XXXX XXXX, told me that I must appear in court or pay the disputed amount. She even said, " don't XXXX call back here unless you are looking to settle your debt, you XXXX piece of XXXX! ". I know, words that you would not expect to hear from a professional law office. I then went to search their reputation on the web to see if I could find out more on them and this law office used to exist under a previous name and apparently has been sued for fraudulent debt collection practices. That is when I decided to file a complaint here. 

To reiterate, this debt was settled and created in XXXX where I reside. The lawsuit summons was sent to the address of my sister in XXXX, NJ. They are attempting to sue me in a place that I do not reside as a tactic to win a judgement against me for a debt satisfied in order to do further harm to me, my credit, and financial status. 

I do not have account numbers since the debt was cleared some time ago. Attached you will see their reference to that in the summons received by my sister. In addition I will attach my current driver 's license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation