vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
The intent was to have an associate of Quicken Loan/Rocket Mortgage contact me about my online inquiry. This is the reason when asked for my SSN and Birthday of my wife and I, I entered incorrect numbers for both. For example when asked my SSN I entered XXXX and my wife 's as XXXX along with incorrect birthdays. ( XX/XX/2020 ). Later I received an alert that a hard inquiry was ran on both our credit. On XX/XX/2020 I called Quicken Loan/Rocket Mortgage and spoke with their Presidents Club Resolution Advocate. I was told because I hit the next button online I authorized them to check my credit. They only need a persons name, address and birthday to run a credit check. I informed the person that I did NOT give them our birthdays and that I did NOT authorize them to run a credit inquiry. I informed them I thought this was a fraudulent act. The person told me to file a police report and then emailed me her contact information to forward a copy of the police report. -- -- -- -- -- -Nothing Follows -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: IL

Complaint narrative:
CRA is still reporting erroneous accounts on my credit report even after I submitted a police report and FTC identity theft report, showing I've been the victim of identity theft.

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 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: MN

Complaint narrative:
We closed on our house in XXXX in MN and therefore any exterior things like a driveway could not be completed and needed to go into escrow. Our builder informed us that they would not escrow but that if we used their mortgage company - Eagle mortgage - that they would escrow for us. We had previously worked with another mortgage broker but decided that it seemed odd to pay for our house in full even when things are not complete and then pay for the escrow items again - essentially paying twice for the things that wouldn't be complete at closing and went with Eagle Mortgage. 

The entire process was sloppy and most documents were full of incorrect information but we were forced into signing as they said none of the documents until closing were legally binding but we needed to sign these or we wouldn't get our mortgage and to close on our house. The constant threats became exhausting but we pushed through and on the night before our closing, we were informed that our closing costs went up approximately {$3000.00} and that we would need to fund our escrow of {$7200.00}. This was at XXXX XXXX  and our closing was the following day at XXXX XXXX. We had already wired the closing about of roughly {$130000.00} and were told to " bring our checkbook ''. Luckly we called the title company and the said they do not accept personal check, which we though would be the case, but they would wait for us to go to the bank to get a certified check. 

The evening prior we had many conversations with the Mortgage lender where she continued to say whatever in that moment would make us happy - several times lying. At this point we began to point out the inaccuracies. We were told we wouldn't close on the house if we wouldn't pay what we were told to pay.

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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Company is attempting to collect a debt that is not valid, account was paid in full and closed by me. I have submitted proof of my claim and have requested proof from collector. Collector has only provided me a statement from the original account, the original account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and provided proof of new insurance policy to original creditor. Not reason for additional billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: SC

Complaint narrative:
In order to take advantage of the lower rates, I decided to refinance my current mortgage. 
NewDay USA had been advertising refi 's for veterans with no income verification, no appraisal and no out-of-pocket cost. This sounded attractive so I began the process on XX/XX/XXXX. The actual application date is XX/XX/XXXX. 

My house is currently valued at @ {$180000.00} with an existing mortgage balance of {$75000.00}. My credit score was XXXX and my wife 's @ XXXX so no problem there. 

During the application process I was told that with an equity position of 40 % loan-to-value no appraisal would be required, however, later in the process I was advised that an appraiser would becoming to do an appraisal. Also, as documents were requested to support the application I was very timely in providing the documents. later in the process on more than one occasion i was asked to provide documents that had earlier been provided. This happened more than once. 

Finally, during the week of XXXX I was told that we would be able to close the loan on XX/XX/XXXX. Because of a death in my wife 's family I asked that wee delay closing until XX/XX/XXXX. Closing was set for XX/XX/XXXX at XXXX XXXX. Earlier in the process I was asked to provide the name and contact information of a closing attorney. This information was promptly provided. On the morning of XX/XX/XXXX I went by my attorney 's office to validate closing time. They had received no information relative to the closing. When I returned home I called NewDay and was told that closing would not happen that day. I was again asked to provide information I had submitted earlier in the process. Somewhat irritated I did this. 

During the week of XXXX I received electronic disclosures to be signed before closing. These were signed and promptly returned. Then the week of XXXX, I received more electronic disclosures with no instructions. I finally contacted the processor and was told why new documents came. These were signed and returned and a promise that closing could occur soon. Finally was told that a closing notary would come to my house on XX/XX/XXXX, and documents were signed. As of today, payoff to the first mortgagor is still pending. If payoff does not occur before XX/XX/XXXX the mortgage will be late and late charge due. Not only do I not want to pay a late charge but I have never had a late payment in my life. ( Now XXXX years old ). 

So what is my complaint? First of all, a refinance with less than 50 % LTV should not take 3 months. A borrower should not have to continually provide documents a second time that have already been provided and I am not real happy with the potential impact to my credit history because of the delay in paying off the first mortgage,.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020 I transferred {$250.00} from my Wells Fargo checking account via XXXX through the mobile app to my own XXXX  XXXX XXXX account. I called XXXX   XXXX XXXX at XXXX XXXX  on the morning of the XXXX to see if it was anything I could do and if the transaction would take a little time to come through. XXXX  XXXX XXXX informed me that the transaction failed and they never received the money from Wells Fargo. So I then contacted Wells Fargo at about XXXX XXXX to start my claims process to get my money back. Wells Fargo informed me that since my rent payment was due the following day that they would mark my case as urgent and I should hear from the person on working the claim shortly. Fast forward, I called every business day to get a resolution. On Friday XX/XX/2020 I called in to check the status and was told my claim had been closed and I was just out of my money. I immediately went to the Wells Fargo branch to speak with a personal banker. I went into her office and she called the customer service or claims department to check and see if my claim had indeed been closed and they informed her that it hadnt. I showed her my bank statement from XXXX   XXXX XXXX and she verified that the deposit of {$250.00} had not been deposited in my XXXX  XXXX XXXX account and relayed that info to the customer service rep. Still no resolution. They told her it was nothing they could do and I would still have to wait 10 business days before a resolution could be made. I called in this morning XX/XX/2020 and now they are telling me that still no resolution. Ive been patient and given them all the documentation needed to verify that I never received my own funds that I was transferring between MY personal accounts as if Im a criminal and it wasnt MY money to move. This is unacceptable and extremely unprofessional.

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 2020-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
While trying to call Navient to issue a CORRECTED 1099C - they are currently giving me a runaround, hanging up on me, or reading off a script which does nothing but waste time. 

I co-signed many student loans for my XXXX children and other relatives. Navient sent a 1099C to the IRS and as of today - CAN NOT tell me who or which loan is involved. The IRS is now involved. I've tried several times to speak with the Navient Escalation team to rectify this. 

Today, in speaking with a Navient Escalation team member first told me she could not tell me WHO the borrower of the loan was, then proceeded to tell me it was for my daughter, then later in the conversation said my son 's name. When I questioned her on this, she denied saying my daughter 's name. She then read off the address that she claimed the 1099C was sent to and it was the wrong address. When I pointed this out to her, she denied reading off the wrong address. She then said she would 'RESEND ' the 1099C and then quickly she hung up on me. 

So, I'm am now VERY concerned Navient is going to CREATE and send out 1099Cs willy-nilly and impact more people. 

What's odd about this whole thing is that according to my research - Treasury Regulation SEC. 1.6050P-1 ( 7 ) - states that for purposes of filing, 'a guarantor is not a debtor ' - it differentiates between those who get the benefit of a loan and those who guarantee its repayment. 

Also, both my children SETTLED their loans with Navient and are debt free. 

If there is a class action lawsuit against Navient regarding incorrect 1099-Cs sent to the consumers and the IRS - I would love to join it. Seriously ... 

Students can apply on-line and get in debt for hundreds and thousands of dollars easy-peasy but Navient can't seem to support the after affect. 

Why do they continue to get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX $ was randomly taken from my Bank Of America checking account because of identity theft from over 4 years ago. Bank of America never tried to reach out to me about the debt. I tried contacting Bank of America and they disconnected the line.

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 2020-02-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX  XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have never applied for any of these things and they are NOT my inquiries at all.

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 2020-02-10 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

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 2020-02-10 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received this debt in XXXX alleging I owe the company {$1000.00}. I asked for proof on XX/XX/20 of what I owed to them and they only sent me proof indicated I owed {$190.00} on XX/XX/20. Since then I have mailed them for the additional amounts to be verified and they have not responded to me and they are still reporting that I owe them {$1000.00} to the credit companies. They are violating the Fair Debt Collections act by not removing these charges from my credit before verifying the amount I owe to them. On XX/XX/2020 I attempted to contact them and they advised that my account was restricted and that I needed to email someone else at the company in order for them to give me any info or try to settle anything with me. I asked if they were refusing to settle the debt since I was ready to make a payment on what I owed and they only told me that I had to email someone in order to get any info or to move forward. They did not answer any other question I had and they only danced around the info I requested. The 1st time I tried to email this company the email would not go through and my email service kicked my email back advising that they could not connect my message to their email server.

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 2020-02-10 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX/XXXX  {$400.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Thursday, XX/XX/2020 Square , Inc stated that I have a negative balance on my account, but shows being positive. On XX/XX/2020 a purchase was made and cancelled within minutes ... needing a refund. The funds were never deposited within my account, they intercepted the transaction before it could be posted to my available balance. Square stated it was unable to process the refund because they took the money to satisfy the negative balance. Square never sent me a letter, email, called or posted to my account being negative or what are my options to take of the negative balance. I have taken screenshots showing where my account does not have a negative balance. I spoke to 5 different representatives yesterday with no resolution as to having that refund processed. I even offered if they refund the {$1300.00} I would set up a payment plan by paying {$300.00} of the {$1000.00}, I was told to call back the next day. I have been trying to call them but their system now states that " Customer Service is unavailable. I was also told by another agent that even if I make payment arrangements they will take whatever additional money comes through to satisfy the debt. What is the purpose of setting up a payment plan if they are still going to take money as it comes in? On XX/XX/2020 I received an end of year statement from Square and it did not report any losses only profits. 

I have also filed complaints with the Following : XXXX  case # ID XXXX Texas Attorney General Complaint No : XXXX Federal Trade Commission case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 I certified mailed Bank of America a Qualified Written Request ( QWR ) referencing an unlawful unjustifiable lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. Pursuant to 12 U.S. Code 2605 ( e ) ( 1 ) ( a ) and Reg. X Section 3500.21 ( e ) ( 1 ) Bank of America violated this law due to no response to me ( the consumer ) within 20 business days and never followed up addressing my QWR to  date.

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 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
The attachment has the original letter of complaint as The text Box will not let me paste into it. I hope that's acceptable please let me know if that poses any problems with publishing it. Thank you for your assistance I can't tell you how much it means.

Company response to consumer: Closed with explanation