vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I went to apply for a XXXX. In doing so they promised they would get me the lowest rate etc and that once I put down a deposit I would get an appraisal and be ready to close. I brought it to their attention multiple times that the estimated property value was incorrect. The assured me it would be changed and it wouldn't affect anything. During this time I had transferred cash from savings for closing and in doing so I was hit with fees. After talking with multiple people, I learned that the evaluation of my property at XXXX XXXX would be an issue. If I didn't catch this, I would have put down the deposit and once appraised my appraisal would have come in way under that and my XXXX agreement would have changed drastically. Once I made it a point that I needed these numbers changed, they were very slow and hesitant to get me the numbers right away but insisted on continuing the process. On top of all this once I spoke to someone that was in charge, he told me they'd review the recorded conversation. When I emailed him back, it was forwarded to the supervisor that advised me that the estimated property appraisal didn't matter and he reached out to me. This was very unprofessional as the complaint was about him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCG Equities, LLC
State: OH

Complaint narrative:
ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a dispute letter via Certified USPS postage to Experian consumer reporting agency on XX/XX/2021. In this dispute letter to Experian, I requested the VERIFICATION of an item on my Experian Consumer Report in the form of a XXXX XXXX  Bankruptcy " furnished '' by the US Bankruptcy Court in XXXX, New Jersey. 

I NEVER RECEIVED A RESPONSE OF ANY KIND from Experian within their legally allowed time period of XXXX, from the date of receipt by a company representative signing/stamping the USPS Certified return postcard . 

( XX/XX/2021 - Experian Company Representative : XXXX XXXX. ) It has been approximately 60 DAYS from the date of receipt by a company representative and STILL this UNVERIFIED item remains on my Experian Consumer 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 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years. 
I took this deal as an alternative to a similar plan offered by my cell provider. 

I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account. 
All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan. 
Goldman Sach claims that there are only two remedies. 
The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan. 
The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server. 
I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information. 

I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I noticed 2 charges from XXXX XXXX XXXX that I did not make with my Bank of America debit card so I opened up a claim with the bank and I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice in my email that says the claim was denied A crime has been committed against me and my identity, I don't know who the culprit is, I tried to file a police report on the XXXX of XXXX but the police department was not interested in what I had to say and refused to take a report and after I found out on XX/XX/XXXX that the bank denied the claim, I made one more attempt to call the police and I spoke with XXXX XXXX XXXX at the XXXX XXXX Police non emergency and he took the report and gave me a claim number ; the bank did refund the {$150.00} to my account but promises to take it back on XX/XX/XXXX they say XXXX says I ordered a guitar and other equipment and had it mailed to my home ; I did not do this and I want Bank of America to leave the money in my account I am upset, when I call the bank I cant get and direct answers

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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity Bank called me 10 times within an hour span I spoke with the supervisor and she stated she only sees two calls those two calls were within 10 minutes apart. They are calling from an Ohio number as well as a private number. I spoke with XXXX ( XXXX ) who was rude and told me there was no one I could speak to and I had to send a letter to a XXXX XXXX XXXX I advised them I did not want to be contacted by an automated dialer. Yet I was still called on my cellphone by a dialer they stated they could not see how many times the dialer called me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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: FL

Complaint narrative:
XXXX stated I owed {$86.00}. I paid it off on XX/XX/2021. XXXX took it off. Transunion states the did, however it is still showing as owed and my credit score is still the same. I have contacted or disputed it 3 times now and they say it's fixed. It is not! I need this off my credit report as " owed ''

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This my third time submitting a complaint this company refuses to move this bankruptcy after I sent paperwork showing that the bankruptcy is not mine in has been deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious they have to be lieing if its verified Im about to take them on legal actions

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I opened a Barclay 's credit card which had a promotional 0 % interest rate for 18 months. I made regular payments on the card after a {$1500.00} purchase and had the balance down to {$880.00} when the promotional period ended. Barclay 's then charged the entire amount of interest due on the {$1500.00} purchase all at once, even though they had already received {$610.00} in payments from me. They assessed an interest charge of {$470.00} on XXXXand have added that to my balance. I find this to be very deceptive on their part.

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 2022-01-02 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is not responding Ive asked 3 times they prove this belong to me Im starting to they they are lieing to me about this bankruptcy

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 2022-01-02 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: NC

Complaint narrative:
There was a delay with a start date with my new employer, and I notified XXXX XXXX that I could not make my XX/XX/XXXX payment. I spoke to XXXX and was given the option to be placed in the Temporary Payment Program, and I agreed to pay {$100.00} for six months. He told me, to make my 1st payment by XX/XX/XXXX to avoid delinquency being reported to the credit bureaus. I received notification that I was written 30 days and spoke to XXXX on XX/XX/XXXX and was told that XXXX 's information was incorrect. The program doesn't start until I make the initial payment, completed XX/XX/XXXX. XX/XX/XXXX I received the attached electronic letter and was okay with the terms until I received the additional letters about missed payments, account closures, and most recently being reported negatively to the credit bureaus for missed payments when I have not. I spoke to someone else recently, and he was very nasty and said the reporting is correct, which it is not. I have other creditors who placed me on a similar plan and have not reported me negatively as I have paid them upon our agreement, so I'm not sure about the issue with XXXX XXXX You have people who don't know what they are doing, and I demand this issue be fixed immediately!

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 2022-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I was interested in laser hair removal from XXXX XXXX. I spoke with consultant over the phone amd we set up everything when I was accepted for a loan from fortiva. However, my first appointment was not for approx 2 months away now mind you I have never even stepped foot in an office nor was there a fee for the consultation and they were calling me before I even had any services or appointments telling me my payment was passed due. It is still in my credit they were suppose to send a letter closing it and I'm still being harrased at XXXX and sometimes XXXX  at night thank you for investigating this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. 

I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. 

All of this leads me to think that TRS is itself a fraudulent company.

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 2022-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
In XX/XX/2020, I was scheduled for several medical appointments with various providers by XXXX XXXX XXXX ( XXXX ) on behalf of the Veteran 's Administration ( VA ) for Compensation and Pension ( C & P ) exams to determine the validity of my XXXX claim with the VAXXXX One of these appointments was for x-rays at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX, who scheduled the exams, assured me that all appointment costs were covered, and they even reimbursed me for mileage to and from each appointment. 

When I attended the appointment, after the x-rays were completed, I talked to a receptionist at the front desk and told her that XXXX and the VA cover the appointment. Several weeks later I received a bill for this appointment totalling {$140.00}. At this time, I called the medical center directly and again told them to direct this bill towards XXXX. I then called XXXX directly and attempted to have them reach out to the medical office to take care of this debt. I received several more bills for this debt, and each time tried to get the medical center and XXXX to take care of it. It is now on my credit report as in collections, and I have disputed it to no avail with all three credit bureaus. 

The appointment was on XX/XX/2020 The appointment location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Sent FOIA - XXXX, concerning a copy of check front and back bearing signatures on the check ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Reference : XXXX ( XXXX Complaint regarding HIPPA/PHI ) XXXX filed a complaint w/CFPB regarding a clear violation of my PHI/HIPPA rights violated by XXXX XXXX XXXX along with CCM. CCM 's response was that 'they have a right to know b/c they do business with XXXX. ' Whether they do business with XXXX or XXXX 's office ; it is AGAINST the law for ANY of my XXXX to be disclosed to a COLLECTION COMPANY! 

CFPB FAILED to enforce this LAW and closed the complaint AFTER the collection company sent a response FAILING to address the core of my complaint. 

It seems that CFPB fails to do anything constructive aside from shuffling paper! 


CFPB : Our core functions The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, its our primary focus. 

Our work includes : Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law Enforcing laws that outlaw discrimination in consumer finance Taking consumer complaints Enhancing financial education Researching the consumer experience of using financial products Monitoring financial markets for new risks to consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the 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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
ON XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room 315 Case. A XXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.

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 2022-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
Original mortgage payment was {$590.00} and since 2016 when I first refinance the payments have steadily increased to present payment of $ XXXXHave attempted to get explanation on my insurance coverage and what Im paying in premium.Banco popular have a sister insurance company and tried to obtain coverage with them.I have not been successful, my current provider Segurosmultiples are totally incompetent and believe are equally dishonest.In the aftermath of Hurricane Maria it took forever to receive the $ XXXXindemnification.that amount didnt cover cleanup .Had to apply for a XXXX disaster loan to cover rebuilding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge

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 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX acquired a loan on a home from XXXX XXXX  and the loan was immediately sold off to a company called home point financial as I entered forbearance program as soon as I exit forbearance I am told if I make 3 payments on time in full they would reduce my mortgage payment in the same month I am exiting the forbearance program the loan was sold again to a company called freedom mortgage canceling the agreement to make payments on time to reduce my mortgage.

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