vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC
State: HI

Complaint narrative:
Early XX/XX/2019. I responded to an opportunity to apply for a loan Rocket Loans,  which is a sister company of XXXX XXXX, my mortgage company. 
Turned out Rocket loans requires access into a persons bank accounts as part of the loan approval process, which was for {$8000.00}. I am a XXXX. They told me this practice is safe and is approved by the XXXX XXXX XXXX and to trust them while they are in my bank account. Against my better judgment, I got on my computer with them on the phone and helped them access my bank account. I was also asked to click on auto payments while I was in there. There was a hitch, however, I also send part of my salary to another bank, and the Rocket loan program could not do two banks, so instead, they set up the program to let me attach two weeks of pay stubs, which I did. Two days later, they said, they fixed the program so it can also access my other bank if I let them in.. I was then told it was due to anti-money laundering regulations or something.. I had enough. It all sounds fishy. 
This is a VERY intrusive process, and it made me feel like I was being XXXX. Even my bank had warned me not to do it but I really wanted the loan. I guess that is just one loan  company but every creditor will want to do this if they can unless someone steps up and protects us, consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have another active complaint regarding my payment issues involving my Wells Fargo Credit card - complaint file # XXXX - and I would like to submit an additional complaint regarding issues with the process. 

The initial problem started appearing several months ago, when I was making payments via the Wells Fargo website, and using the option to make a payment 'from an external account. ' Every payment I made, regardless of size, started being held for several days, for reasons that were not ever justified. Due to the issues involving holds being placed on payments made in this way, I opted to try making the payment directly from my checking account ( at another institution ), via the online bill pay system. 

The payment is set up to be processed electronically, which I have verified with my checking institution means that the payment will clear my checking account when it has been electronically sent to Wells Fargo. I was hoping this would prevent Wells Fargo from holding my payments in the way they have been for several months. However, today, the electronic payment cleared my checking account - and is not showing anywhere, not even in 'pending ' transactions, on my credit card. I have called my checking institution to verify that the payment was sent, and they have confirmed that it is complete. 

Unfortunately, what this means is that I still don't have a way to make payments to my Wells Fargo credit card, and have them reflected to the card 's balance in a reasonable timeframe. Wells Fargo now has a cleared payment - something that has already left my checking account elsewhere - and it appears that payment is being held in suspense somewhere and not being applied to my card. 

I was, again, not able to find any resolution by contacting Wells Fargo customer service.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was not advised of this debt, until recently. It showed up on all three credit bureaus. When I called Capio Partners, I was told it's a collection from 2013? I am unable to verify any information with my insurance, or claims benefits regarding this, due to being 6 years out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX two unauthorized transactions occurred using my debit card link to my bank account. The first transaction was for {$990.00}, and the second transaction was for {$250.00}. My debit card was also link to XXXX XXXX since I use them in the past to send money to friends and relatives. The money that was taken out of my account was transferred to XXXX XXXX, and a Bitcoin was purchased and then cashed out to an unknown recipient at XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX   via email ( that was the only means of commination ), and explained the situation, and they said they will reply to my email in 24 hrs. Also, on XX/XX/XXXX, I notified my bank ( Arvest ), and the woman I spoke to was friendly and apologetic. She informed that since the pending transactions were link to debit card instead of my bank account she couldn't stop payment, but she told me that once the transaction posted I could file a dispute ; get my money refunded back into my account. Once the transaction posted, I filed a dispute with Arvest bank, and they denied the dispute. They informed I need to go to the merchant since it was there system that was compromised. I called the Arvest bank ( the dispute department ) and spoke to XXXX XXXX a dispute Specialist and explained that I was still waiting for the merchant ( XXXX XXXX ) to reply, but I was told by one of their employees that once I filed a dispute I would get my money refunded back into my account. XXXX informed me to file a second dispute and file a police report since hacking ; or compromised system is the same as theft ; include that information in the second dispute and it will increase my chances of my second dispute being approved. I filed a second dispute and included the information such as police report, screen shots of the unauthorized transaction, and emails I received and delivered to XXXX XXXX security, and the second dispute was also denied. On XX/XX/XXXX XXXX XXXX finally concluded their investigation, and came to the conclusion that my XXXX XXXX was in fact compromised, and they recommend me filing a dispute with my bank ( Arvest ) which has already be done twice, and I emailed XXXX XXXX to let them know, and I haven't received an reply as of XX/XX/XXXX. I contacted XXXX XXXX to help me investigate this matter, and they recommend I file a complaint against the Arvest bank. Arvest back hasn't given a clear reason as to why they can not refund my stolen funds back to me. I just hope to get my stolen funds back ; prevent this from happening to someone else. This ordeal has been time consuming and frustrating, so help someone can give me answers, and bring be some closure.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX XXXX Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS IT HAD CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2019-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Legacy Funding Corporation
State: FL

Complaint narrative:
Purchased vehicle XX/XX/XXXX from dealer in XXXX, PA. The vehicle was financed with Legacy Funding of XXXX, PA. The vehicle was returned to the dealership in XX/XX/XXXX. The debt appeared on my credit until I filed bankruptcy in XX/XX/XXXX ( chapter XXXX discharged XX/XX/XXXX ). I recently obtained a copy of my credit report and it shows on my credit report and loan initiated XX/XX/XXXX, and repossession of vehicle in XX/XX/XXXX. 
I called Legacy Funding @ XXXX today and spw a gentlemen who refused to give me his name. I asked why is this showing on my credit report and I dont owe them anything nor have I had the vehicle in 16 years, also it was included in my bankruptcy over 10 years ago. The gentleman stated we never got the car, so you owe. I said the information being reported is totally inaccurate, as the Loan originated 17 years ago and the car was returned 15 years ago. He said it was my problem not his and refused to assist and hung on me several times, now phone calls go to voicemail when I call. This seems like a scam!! I disputed issue with credit bureau, however this is damaging my credit, it has increased my overall debit by XXXX and also dropped my score by 30 points. Please advise how I can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I tried to open an account with Swiss Colony two years ago and the present. I called and asked why I was turned down. They said, it was because of an account in the year 2000 and it was placed with a third party. I explained to them that I didn't remember an account back then and was not contacted by a third party. This was 19 years ago. I have several accounts that Swiss Colony is grouped with and are paid on time. For some reason, Swiss Colony keeps turning me down. Something doesn't sound right about this. And I'd like to know why do they go back to something that was 19 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company : Bank of America Credit Card : BankAmericard Description of Problem : Stolen card so closed account on XX/XX/2019 - paid off balance. New charges came through after that date - paid those. Continued to get bills for a few dollars of interest charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX - called to pay {$10.00} via computer which was the entire statement balance. Remained on the phone for a representative to ensure that I would not be getting an XX/XX/XXXX statement. Was told that despite paying what their computer said was the entire balance, I would actually still owe them {$0.00} however they could not bill for anything less than {$1.00}. The first agent suggested that I just sent them {$5.00} to make sure that I did not get another bill. I asked for a supervisor but was told that no one was in the supervisory department so I was transferred to stolen cards ( the issue in XX/XX/2019 ) in Tennessee. She tried to remove the charge of {$0.00} but was unable. Transferred me to West Virginia after one hour and thirty minutes on the telephone in which I tried to make sure that I had paid them all I owed and they would not send me another bill. This agent claimed to have taken the fees from XX/XX/XXXX to XX/XX/XXXX off the card so I would not get a bill in XX/XX/XXXX.  Still waiting to see what will happen. 

Issue : The BankAmericard issued by Bank of America is systematically overcharging customers as you can not pay the balance via computer either by phone or online to pay the full balance. They will continue to charge a few cents of interest from the time the computer charge is updated for the next bill and then will bill no less than {$1.00}. It is impossible to cancel the card, pay them off and move on with your life without constant follow up bills for {$1.00} per month indefinitely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears has consistently been negligent in opening fraudulent accounts and has been accessory to assisting fraudulent accounts and applications are approved with my social security number, EVEN THOUGH I HAVE MARKED THEM BOTH AS FRAUD AND HAVE A FREEZE AND 7 YEAR ALERT ON ALL THREE CREDIT BUREAUS. In XX/XX/XXXX there was a fraudulent application for credit submitted and I called to close it and place a fraud marker on my file ( AND my social security number ) as I have consistently been combating identity theft for the past 2 years. In XX/XX/XXXX they stated they had done so and this wouldn't happen again. 

Yesterday, XX/XX/XXXX I received an application alert through XXXX ( AGAIN, almost 1 year later ) that there was an application submitted through Sears with my social security number. Today, XX/XX/XXXX, I called Sears with XXXX and was told by the applications department that the application was CLOSED and there was NO Credit Account open, and that they would place yet another marker on my file. A minute later, XXXX confirmed that the application was actually approved and that the credit file was opened, contrary to the recorded conversation with the woman from Applications. The woman in Fraud Department ( who was nice, yet ineffective, like all Sears and Home Depot associates ) told me that there were two known aliases using my social and that they would mark it as fraud, again. they told me to put a 7 year hold on my account. When I asked WHY they were negligent in regard to both separate fraudulent accounts and applications, and WHY they had just lied in the applications department, I was told to contact SSA and the bureaus. Which I have done twice in the last month. I was then asked if there was anything else and they hung up.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage performed illegal modification stating from multiple staff ex husband would be removed from loan due to extreme circumstance of ex husband XXXX XXXX veteran. I currently have a XXXX XXXX XXXX XXXX  against him after he attempted to XXXX XXXX and then himself in XXXX XXXX. Freedom mortgage changed my APR % from 3.25 % to 4.75 % and now pay $ XXXX a month to get his name off. Modification never included ex husbands signature as he is the XXXX  on the loan. Rate changed and then told me ex husband will NEVER be removed. I complained all the way up to the VP of Customer Service at Freedom Mortgage and was told they would only match the unaffordable 4.75 % and nothing lower for everything they have put me through. Freedom mortgage even attempted to cover there illegal modification by contacting my ex husband stating they needed his signature since they never had it in the first place to do the modification. Unacceptable as a XXXX  XXXX of XXXX trying to make it after such a horrific incident. Freedom mortgage is trying to take advantage of this circumstance by not only charging a horrendous interest rate but forcing me into foreclosure because of it to inevitably foreclose on it. I truly wonder how many low income people this company has taken advantage of through the loss Mitigation unit where they do these modifications based on not being able to afford your mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery representing XXXX XXXX NV l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1800.00} XXXX XXXX   NV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief