vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Trying to refinance with a company that is known for illegal actions. Quicken says they have all the info to refinance then, all of a sudden, drops it saying the present company has and shows late payment, after they say it is their fault for not notifying me of increased house payment. Quicken is just as irresponsible and as illegal as they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15 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: CA

Complaint narrative:
A REPORT FROM EXPERIAN XXXX FROM XX/XX/2018. EXPERIAN DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. EXPERIAN SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.

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 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Ive disputed this {$410.00} collection with XXXX and it was removed, it will not allow me to dispute with XXXX  and is telling me my information is incorrect and this is stopping me from buying a home for my family and need this removed immediately and have no idea what this is. I never received a bill or proof with my signature that this is even my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I applied for Mortage loan my credit score was more then enough but he trying to make me pay off older debt from XXXX stuff like for XXXX bucks when no other places require me to do that and i feel like he did it because iam XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
A REPORT FROM XXXX  XXXX FROM XX/XX/2018. XXXX DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. XXXX SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.

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 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I purchased a home XX/XX/2018. 7 months later I received a letter stating my mortgage payment is increasing $ XXXX/month due to an escrow analysis. I can not afford the increase in monthly payments and would not have signed for a loan with payments that high. I have open up an investigation case with my local tax office but it takes 30 days to get an answer. I do not want to get behind on my mortgage payment or it having a negative impact on my credit. The loan company states that can not do anything about the increase in payments. 
I would also like to add XXXX XXXX to this case which is the local office who has done a 3 yr assessment increasing the taxes. I have only been in the home 7 months. The case number for them is Id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX  Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX. 

I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems. 

I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Several weeks ago XXXX XXXX called and stated they were calling to collect a debt on one of my credit cards. I told them I was in debt consolidation. After that and up to this date ( XX/XX/18 ) this company called ( name appeared on my phone screen with their phone number of XXXX ) every day at least 5 to 10 times, each time phone rang and I answered and they immediately hung up. No person talked and the phone call was then disconnected. 

Tried to call them back at the number displayed and was told it was not a working number.

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 2018-09-15 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: U.S. BANCORP
State: MN

Complaint narrative:
I tried to purchase an outdoor swing set from XXXX. I entered all of my information including credit card and was told it didn't process. On my next statement dated XX/XX/18-XX/XX/18an amount had posted for a different amount to XXXX XXXX XXXX. I sent XXXX  an email asking them explain what was going on. After a week I disputed it with the credit card company. Stated to them that I should not have been billed, but I believed my card number was compromised and had sent XXXX an email asking to confirm with no response.. the email was sent on XX/XX/XXXX to XXXX card company sent me a letter claiming they had tried to contact me for more information, they never did, and sent a denial letter on XX/XX/XXXX. I contacted them again, gave them the information they were looking for and they sent me another denial letter on XX/XX/XXXX again for insufficient information. I now see why people say such bad things about U.S. Bank.

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendingUSA
State: MA

Complaint narrative:
In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filling a dispute on American Express regarding the delay on releasing my rewards point. I had been told that the issue would be resolved 6 to 8 weeks after I hit the minimum spend. This is now the 10th week, and my account is still under review.

I have been on time with all of my Amex credit cards ( one personal platinum card, one business platinum card, and one blue cash card ). Moreover, payments on the card with bonus offer have met the amount that the promotional offer requires.

Amex can not give a proper explanation other than telling me that they have no access to the back office. I have complained more than five times and have had them elevated the issue to the back office but nothing was given back to me. I would like to have an immediate release of my points since originally I have over 50,000 points that were accumulated by my daily purchases. Now they have been freezing my points since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CFPB SENT A COMPLAINT TO EQUIFAX ABOUT MY CREDIT REPORT AND ASKED THEM TO REMOVE AN ACCOUNT ON MY REPORT. 
EQUIFAX DID AN INVESTIGATION AND REMOVED THE ACCOUNT BECAUSE IT WAS LINKED TO A FRAUDULENT ADDRESS LISTED ON MY REPORT. 
EQUIFAX REMOVED THE ACCOUNT AND ADDED IT BACK A COUPLE OF WEEKS LATER WHICH IS ILLEGAL TO REMOVE AN ACCOUNT THEN ADD IT BACKI FEEL THEY DID THIS CAUSE I HHAVE BEEN REQUESTING INVESTIGATIONS INTO THESE FRAUD ACCOUNTS. 
PLEASE REMOVE THE FRAUD ACCOUNTS ASAP OR I WILL BE FORCED TO FILE A LAWSUITE AGAINST EQUIFAX. I CAN PROVE THAT THEY REMOVED THE ACCOUNT THEN RENINSERTED IT BECAUSE OF SOME TYPE OF PERSONAL PROBLEM WITH MY DISPUTES OR IT COULD BE SOME KIND OF RACISM GOING ON AGAINST ME. I HAVE ATTACHED MY STATE ID, SS CARD, AND A SNAPSHOT OF THE ACCOUNT EQUIFAX ADDED BACK TO MY CREDIT REPORT AFTER THEY REMOVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Adding on to complaint # XXXX ... today I have made numerous calls trying to resolve this issue without it escalating. Customer service is absolutely horrible. I was put on hold on every call with every representative all stating that they work with consumer protection and the fraud department. I asked to speak with the investigations department and was told that there is no number to call them that I would have to wait for them to contact me. I was also told that investigations will not be back until Monday. The names of some of the representatives are XXXX and XXXX.I was told that I can go to the store to make a payment. I live in South Carolina and the store is currently closed due to hurricane Florence. The representatives cared less.

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 2018-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I deposited 3 US Postal Money Orders on XX/XX/2018. Bank of America onXX/XX/2018 proceeded to place a debit hold on one of those US Postal Money Orders.

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 2018-09-15 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: CURO Intermediate Holdings
State: MD

Complaint narrative:
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX  credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX   ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX was repossessed around XX/XX/XXXX and sold without our knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX, XXXX, 3rd party engineering company do not have the right to pull my credit credco, XXXX many more XXXX  still calling me I do not have anything with them please check the mail box police report I sent

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I called to dispute a public record ( bankruptcy ) that does not belong to me. XX/XX/XXXX - they removed the public record and and re-insert the same day. The FCRA is requiring them all CRAs to notify me within 5 days of reinsertion. I did not receive any such notification, please have the remove this item permently and immediately.

Company response to consumer: Closed with explanation