vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Applied for a mortgage through Rocket Mortgage to purchase a home. I had an incorrect collection showing on my credit report. We discussed doing a rapid rescore to remove the incident. I then gave the company permission to rerun my credit ONLY when they got confirmation that the rescore was complete. Rocket Mortgage reran my credit, and tried to act like they did the rescore, however my score did not change. They then tried to sell me on the product, even though they agreed my score should be higher. I spoke with their credit team who apologized that it wasn't fixed, but " they got word XXXX completed my rescore. '' They then told me they would resubmit it. Not trusting that as being accurate, I contacted XXXX myself, who confirmed to me that Rocket Mortgage NEVER submitted my rapid rescore. Which means them rerunning my credit was fraudulent, and they straight lied to my face about XXXX not removing it when they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
Consumer Portfolio Services hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. Consumer Portfolio continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called Consumer Portfolio, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at Consumer Portfolio and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at Consumer Portfolio responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hi Experian, XXXX, and XXXX ; I was going through my credit again today and noticed 3 negative accounts on my credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received 1099c from the original creditors? How come you said you verified these 3 accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX XXXX XXXXXXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;

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 2022-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This is a follow up to initial complaint # XXXX. The company ( Shellpoint Mortgage ) provided a letter to me, my attorney, Consumer Financial Protection Bureau and the XXXX XXXX XXXX The letter states they will release the 2nd lien mortgage and discharge it. The attorney has asked several times for proof of the copy of the paperwork preparing the discharge. We have not received anything from them. This makes us a bit suspicious and question if they actually prepared to file the discharge release of the lien. The attorney 's firm said they can go to court if the matter isn't resolved. This will surely hold up in court on our side since they provided a letter ( on their company letter head ). It is in writing. Can the CFPB perhaps investigate as to why we have not received proof of the release/discharge?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I received a text from XXXX saying " WELLS FARGO FRAUD : Did You Attempt To Send Money With XXXX For {$3500.00} On XX/XX/XXXX. Reply YES or NO. MSG & Data Rates May Apply. '' I replied back " No '' and received this message " WELLS FARGO FRAUD : No Funds Have Been Taken From Your Account. A Representative Will Be Contacting You Shortly. '' I then got a call from XXXX ( the official Wells Fargo number ) and a man claimed to be a Wells Fargo employee. He said we had to walk through some steps to avoid the funds from being transferred from my account. 
He said my phone number had been added to an account with XXXX XXXX and asked me to give him a code that was texted to me. After that he told me to go to the XXXX XXXX and put in my own name and phone number to avoid the money from being sent to anyone else. After I did that and hit send he hung up. 
I've called Wella Fargo and submitted claims but they have told me there is nothing they can do to help me.

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 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: THRIVE MORTGAGE, LLC
State: NC

Complaint narrative:
I received a letter on XX/XX/XXXX from Thrive Mortgage dated XX/XX/XXXX requesting that I contact my homeowner 's insurance provider ( XXXX XXXX  ) and request a refund for the principal paid for the current year 's coverage. This refund was requested from Thrive because they informed me that they had made a {$940.00} payment to XXXX insurance for coverage on my property. This payment to XXXX was made in error. I have never had any association with XXXX insurance and never requested this change to my homeowner 's insurance policy. On XX/XX/XXXX, I called Thrive Mortgage to explain the situation to a representative in their insurance department. The representative understood the situation, changed my account 's insurance policy back to the ( correct ) original policy, but informed me the payment will remain on my escrow account until a refund from XXXX was received. She assured me this would be taken care of within 10-15 days. On XX/XX/XXXX, my escrow analysis was uploaded by Thrive Mortgage. The {$940.00} payment made on XX/XX/XXXX to XXXX was shown on this escrow analysis. This erroneous payment will cause a ~10 % increase in our mortgage payment starting XX/XX/XXXX. On XX/XX/XXXX, I called Thrive Mortgage again because the 10-15 days had passed and the issue had not been taken care of. I again told another representative from the insurance department the situation. She again initiated the process of requesting a refund from XXXX insurance, assuring me that the refund should be processed within 14 business days and that the payment could not be removed from my escrow analysis until the refund is processed. On XX/XX/XXXX, I sent an email to the Customer Care department explaining the situation as well as detailing the timeline of the previous two phone calls. I did not receive a response to this email, so on XX/XX/XXXX, I called Thrive Mortgage to verify the receiving of this email. The representative was unable to find the email, so instead, I verbally explained the situation to her. She transferred me to a supervisor who assured me the complaint would be " expedited '' and taken care of by XX/XX/XXXX. 

As you can see, I have made multiple efforts over the last ~45 days to explain to Thrive Mortgage that I have never had any association with XXXX insurance and the payment made on XX/XX/XXXX from my escrow account was made in error. I understand Thrive Mortgage 's pursuit of a refund for an erroneous payment, but I do not understand why the threat of a higher escrow payment has remained on my account during this process since I have no responsibility for the error. Thrive Mortgage 's unwillingness to remove this burden from my account has caused my partner and I considerable harm due the XXXX caused by the upcoming higher mortgage payments.

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc.
State: NC

Complaint narrative:
On XX/XX/2022 my Financial institution mailed a paper check to my home loan servicer Affiliate mortgage. Affiliate mortgage claimed to received the payment on XXXX XXXX. I was charged a late. My payments were always processed before the deadline on the XXXX of each month. Affiliate claims because of mail delays it wasn't their fault. My complaint is that it is the fault of the loan servicer failure to process the payment on time. I don't feel I should be penalized for their failure to process my payment. I have tried to contact them and can't reach anyone on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I purchased a used recreational vehicle ( RV ) from a private seller in XX/XX/XXXX with a loan from Bank of The West ( BOW ). As of XX/XX/XXXX I am still unable to use the RV due to BOW failure to register the RV. BOW initially provided the incorrect mailing address to the sellers bank, XXXX XXXX XXXX Bank. XXXX XXXX XXXX Bank mailed the title to the invalid address and the title was subsequently lost. I have contacted the " customer service '' department of BOW via phone and email dozens of times. BOW asked that I reach out to the seller and request their drivers license to request a new title. After telling BOW that I do not work for BOW and I would not reach out to get the DL, they told me that in that case there is nothing they can do. I relented and reached out and provided BOW with the DL as requested. My most recent attempt to get a status update on the title was via email sent on XX/XX/XXXX. BOW has not responded to my email as of XX/XX/XXXX. I have been paying principle, interest, insurance, and storage for the RV for 13 months now and am unable to use the RV due to BOW 's negligence.

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 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never opened an account with captain one ever in my life! I have been a victim of identity theft since 2015. Dispute whatever capital one believes Ive never opened and account with them and I will fight this until my last breathe! This account was opened fraudulently!! I have several police reports stating that my identity was stolen by who I believe is a family member. I am not responsible for this account whatever so ever I have filed multiple disputes and now I will be hiring a lawyer to further assist me with this issue Im having with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed 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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. XXXX assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: CO

Complaint narrative:
XX/XX/2020 I filed for for COVID Forbearance as I was going through divorce and bankruptcy simultaneously. Originally my home was listed in a trust that I was the grantor of and my ex-wife and I were both trustees. Due to my bankruptcy I had to revoke the trust and revert all property in a trust back to my name. At the end of my forbearance. My mortgage company guild mortgage would only provide impartial agreements and my ex-wife and eyes name preventing me from returning my home. When I pointed out the discrepancy they refused to change the paperwork to my name solely. I am the only borrower on the loan as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I was notified by XXXX and XXXX XXXX regarding a collection entry by the name of merchants and medical. As stated the original creditor was XXXX XXXX XXXX in the amount of {$550.00}. Then on XX/XX/2022 the collection agency updated the amount again to now displaying {$550.00}. I take no responsibility of owing merchant and Medical or XXXX XXXX XXXX of any amount stated above. I was not made aware of any accusations from this collection agency to dispute this matter effectively along with verifiable information with proof/contracts of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a XXXX of XXXX Chase XXXX. The promo I wanted was to get additional qualifying nights at XXXX. The criteria was to apply for the card by XX/XX/XXXX and the promo for the qualifying nights was for stays from XX/XX/XXXX - XX/XX/XXXX ( See documentation attached ). I didnt get this promo, instead I was given a different promo for extra points for spending on the card ( I would never do this, I use a different card for airline miles ). It did include a {$300.00} statement credit, which I received, but it was not what I wanted. Chase could not explain why I would not have qualified for the promo that I wanted ( and there was no choice of promos when I applied. They will not reverse or change the promo. I think this is called Bait and Switch and the promo I got was to promote more spending on the card, a good benefit for them, but not for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Ive called them several times, the most recent being last week. I did not know this was on my credit until it appeared as I never received my notice of right to dispute. They are more than aware the address they have on file for me is incorrect because they ask me to update it when I speak to them. I want to be able to take care of this, but only if it will no longer hurt my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with XXXX people at XXXX XXXX and XXXX person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all XXXX bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.

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