vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Complaint : Rocket Mortgage failure to itemize Appraisal Fee and XXXX XXXX XXXX ( AMC ) Fee separately on provided Loan Estimate and Closing Disclosure for an FHA Mortgage. Rocket Mortgage purports that the AMC was lumped into the Appraisal Fee ( which is illegal per 12 CFR 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ) ). In addition, AMC fees are not excluded from the definition of " finance charge '' under 1026.4 ( c ) ( 7 ) ( iv ) - which can result in discrepancy of the APR. 

Timeline : XX/XX/2022 Rocket Mortgage provided a Loan Estimate to me which included an XXXX XXXX of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 Rocket Mortgage provided a Closing Disclosure which only included an Appraisal Fee of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 FHA Appraisal conducted. 

XX/XX/2022 FHA Appraisal Report issued to me with the final Appraisal Fee of {$800.00}. 

XX/XX/2022 Rocket Mortgage charges my credit card for {$1000.00}. 

XX/XX/2022 I sent an email to my broker regarding the incorrect charge and refuted the charge as unauthorized with my bank. The broker communicates this to Rocket Mortgage. 

XX/XX/2022 Rocket Mortgage responds by email to the broker that the charge was correct and the fees were disclosed according to " guidelines ''. 

XX/XX/2022 I respond to the broker with the following : I've included the LE and CD which were provided to me and highlighted the sections titled " Services You Can Not Shop For '' and " Services Borrower Did Not Shop For '', both specifically cited within 12 CFR Part 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ), respectively, that a lender must separately itemize Appraisal Fee and XXXX XXXX XXXX fee on the XXXX and XXXX in the highlighted sections. 

I am already past opportunity to receive my earnest money back and my closing date is XX/XX/2022. Pursuing another lender at this point guarantees I would not be able to make the current closing date. The only option I am now left with due to Rocket Mortgage 's discrepancy is to either continue business with them ( knowing they've blatantly acted illegally ), or lose my earnest money, inspection cost, appraisal cost, and potentially the home itself if the sellers aren't amenable to extending closing to allow time for me to find another lender who will likely require a new appraisal. 

Attachments include : XXXX ) Email chain with broker and Rocket Mortgage ( Lender ) XXXX ) Loan Estimate provided XX/XX/2022 XXXX ) Closing Disclosure provided XX/XX/2022 XXXX ) Appraisal Report with final Appraisal Fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XXXX XXXX 2021 my balance was {$1800.00}. I paid the balance in full, and I called Comenity Capital Bank XXXX XXXX powerup rewards credit card to close my account and received an email stating that my account was closed. They did not close the account and they have been charging me interest on it. what they are trying to do is nickel and dime me for chump change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems , Inc. ( TSI ) is a third party debt collector. I confirm nor deny any debt owed to TSI or the XXXX XXXX XXXX XXXX Exchange Services ( XXXX  ). I believe I have a case of misrepresentation against TSI. XXXX  closed and charged off an account, any remaining balance, if any, was sent to TSI for collection. XXXX  no longer controls the alleged debt. If XXXX  were to be called on the collection they say they have no control over the alleged debt and that it must be handled by TSI, XXXX  is a federal organization, TSI is not. TSI, in my opinion, has misrepresented itself as debt collector, in the attached document we clearly see TSI using the Department of Defense seal, as well as the Exchange logo, the seals and logos should not be used by a third party. TSI, is not apart of either government agency, rather they are a third party. In attempting to settle this dispute payments were arranged after receiving these invoices. My understanding is that these payments were going to XXXX. As it clearly appears, it looks as though this is going to XXXX  as a invoice/bill from the Exchange. However these payments are going directly to TSI, not XXXX. TSI is representing and appearing to be XXXX  and DoD by use of the respective logo and seals. TSI also continues to charge interest and additionally takes a payment fee for every payment made even though it is the sole beneficiary of these payments. I believe TSI has clearly misled and misrepresented itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ( Original Creditor : MONTHLY PAYMENT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint about Equifax. 
complaint I.D XXXX and mailed a certified letter to equifax indicating for them to remove the extended fraud alert from XXXX report as I never requested to have one placed. 

I received a letter from Equifax indicating that there are no alerts on my report, however, this is incorrect, please see attached file from XXXX  of credit report pulle XXXX  XXXX indicating there 'file status : extended fraud alert '' Please remove extended fraud alert immediately yo avoid legal action.This is the second request and it is being documented as well as the first one, which was sent via certified mail. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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 non-monetary relief
Consumer complaint received 2022-01-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, Experian or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), Experian is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX resort group ( opened XX/XX/XXXX ). I never authorized and or gave Experian or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact Experian, XXXX or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: MI

Complaint narrative:
Through my XXXX, XXXX DE XXXX, i entered into a loan agreement with Lima One Capital for {>= $1,000,000} subject to certain terms and conditions. Lima One provided and we signed a term sheet that included details on the loan including ; term, amount, interest rate, and prepayment penalties. I was also informed verbally that i could prepay up to 20 % of the loan each year without penalty, this was later confirmed after the loan closed via email. The loan documents provided to me incorrectly detailed the prepayment penalty and omitted the 20 % paydown feature. I raised the issue with the legal department who admitted to the mistake and agreed to change the prepayment penalty terms but not to honor the 20 % paydown feature. Also since Lima One has contractor XXXX to handle the loan servicing, Lima One through its servicer ( XXXX ), has not honored their obligation to service the escrow account. They have not paid taxes on time nor insurance, which has resulted in late penalties with the cities as well as affecting my other business endeavors within those cities, as i am considered a delinquent tax entity. They have also allowed insurance policies to lapse because of non-payment even though my agent and i have provided them with 2 months advance notice of pending renewals. I have attempted to resolve these issues with both Lima and XXXX but if i am able to reach a representative i receive apologizes and confusion, but no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: SC

Complaint narrative:
I have been trying to reach out to CBSA Collections since XX/XX/2021 and this collection agency never answers their calls. This debt does not belong to me, and I am requesting this debt to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been in contact with XXXX Office of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for XXXX, and WF XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
During Covid, I was in a forbearance with XXXX XXXX, in XXXX of XXXX, they notified me that my loan would be serviced by SLS. At that time, I could no longer get a hold of anyone SLS and neither was able to get into my account on XXXX XXXX. 
After many calls and paperwork with SLS, I went into a 90 Day Loan Modification trial period. 

As of XX/XX/XXXX, my trial period was over. 

I received a notice of my final statement for my XXXX, XXXX, XXXX payment on XX/XX/XXXX. That day my credit report app and bank alerted me of a drop in my credit rating dropped over XXXX points. I noticed the " reason '' and it showed SLS had reported my mortgage was over 120 days late. Missed payments is what the credit report shows. 

I now have a letter from SLS congratulating me of my Modification Agreement and to please sign and return. 

Because I am now outside of my XXXX trial period, I am trying to refinance my loan to get a better rate. I can not get a better rate because they reported my loan to be over 120 days late. 

I have called SLS and informed them of the credit issue and they said that once I send back the paperwork, then they would address the fixing the credit report. 

I understand the forbearance and modification would never hit my credit report. 

I really need help getting this fixed as rates continue to go up, I can't get out of this loan with SLS to move on.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
I received a call today from XXXX XXXX XXXX XXXX in XXXX FL the phone was dead and there was no indication of who it was. When i called back, i spoke with a person who wanted information from me but would not give any specific information to me so I could validate my debt. She was rude and said I owed {$940.00} for a visit to an emergency room on XX/XX/XXXX!!!! Its XX/XX/XXXX!!!. I was not given standard disclosure about collecting a debt and I hung up on her. Then I called the hospital who then referred me to the emergency room doctors. I then called the emergency room doctors business office and they told me that there was a mistake that I owed {$200.00}!!! The doctors didnt know why the collections agency quoted {$940.00} nor why they waited till 18 months to collect any debt!!! I told them I never received any bill from either the collections bureau or from the doctors office - to wit the doctors office said it was returned as undeliverable -!!! Thats impossible as this house has been here 200 years and I have owned it since XX/XX/XXXX. I paid the doctors {$260.00} on the phone today- but I am suspicious that this issue wont go away and that my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Thank for you hearing my complaint. Upon hearing of the new expanded loan forgiveness program in late XX/XX/XXXX ; I started the process of applying in early XXXX and sent my application to FedLoan servicing via fax on XX/XX/XXXX. Upon not receiving any confirmation, I called FedLoan to ask whether my application was received. I was told my application was not received and to fax it and even mail it. After several weeks of back and forth I received confirmation that the application was received in late XXXX and early XXXX. After a quick turn around, I received a letter stating that I did not qualify for neither XXXX or XXXX. Understandably, I would not qualify for the former but I researched and was told by representatives that I would qualify for XXXX ( the waiver would not be needed ). After evaluation, I noted that only 102 payments were counted towards XXXX and that years of payments were not evaluated in their determination from XXXX to XXXX. No explanation was provided and was told I had to reapply to the program ( note that to reach a representative it takes approximately 2 hours only to be transferred from one person to another ). I reached out to my prior loan servicer XXXX and they told me that all payment history was sent to Fedloan. I took the liberty and requested the complete payment history and uploaded to their website ( FedLoan ) for further review on XXXX which included years of missed payments by FedLoan ( uploaded here ). A month later I contacted FedLoan numerous times to only be told that it is under review despite a quick response earlier rejecting my application using erroneous information. As of XX/XX/XXXX, I further contacted FedLoan to be told that my application has not been evaluated at all and has been sitting for over a month. Evaluation of my application was handled incorrectly and a quick response without needing further consultation with the Department of Education regarding the limited waiver should have been conducted by now. Due to the incompetence of FedLoan and the inability to expedite my application under the well established XXXX  rules, I am filing this complaint. I am in the process of purchasing a house and my student loans ( which should be forgiven under both old and new rules ) could affect my ability to secure a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not give Equifax Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We wired money ( {$14000.00} ) on XXXX XXXX XXXX  from our credit union to our Chase checking account and the credit union transposed the last two numbers of our account and the funds went into someone elses account. Chase refused to do anything about it, so the credit union recalled the wire and are now being told by Chase that the member who owns the account that received the wire must give permission for the wire to be reversed. Well this is not their money nor was their name on the wire. As of today XXXX XXXXXXXX XXXX we still do not have our many back in our credit union account.

Company response to consumer: Closed with explanation