vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was referred to Rocket Mortgage by XXXX XXXX. In XX/XX/XXXX, I spoke with a representative of Rocket ( XXXX XXXX ) about a mortgage to build a garage and complete landscaping on a house I was building. At the time I inquired about a mortgage, I told the representative that the house was about 85 % complete. He told me that to qualify for a mortgage, the house must have a functioning bathroom, a functioning kitchen, a functioning heating system, and that all the floors needed to covered with flooring or carpet. I was not told that I had to be actually living in the house at the time of the application. I told the representative that I thought the required work would be completed in a month and that I would be back in touch. In XX/XX/XXXX, when the work was completed, Rocket offered me a mortgage at an interest rate of XXXX XXXX and XXXX fees and I signed a document agreeing to the terms. I provided all the requested documents including all personal financial information except a copy of bills showing internet service and cell phone service. I explained that we did not have internet service and that the cell phone bills come to my office or to our rental house. Instead, I provided copies of the electric bill for the house that we were building. Rocket took no action on my application despite numerous inquiries I made about the status of the application. Sometime in XX/XX/XXXX, I was informed by XXXX XXXX, a Rocket/Quicken Loans consultant, that the application could not be processed as a conventional mortgage because we had not yet moved into the house. Instead, he proposed that the mortgage could go forward as a second home mortgage with no change in terms of the interest or fees. Several weeks later, I was told the mortgage could go forward only as an investment property mortgage but as such, the fee would increase from zero to XXXX While I considered this " switch '', the house was appraised by someone hired by Rocket. I decided not to pay the new fee and complained that I would not have started the process with Rocket and disclosed personal information if I had been told from the start that the fee would be XXXX  On XX/XX/XXXX, Rocket sent me a letter falsely saying I was denied a mortgage on the basis of " unverifiable information ''. In my view, Rocket engaged in textbook " bait and switch. '' While I did not lose money, Rocket obtained my personal information and wasted my time that I could have spent looking for other forms of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is to ask BB & T Consumer team to remove hard inquiry recorded on my equifax on XX/XX/XXXX there is issue happened you guys pulled my credit twice for approval credit card application XX/XX/XXXX AND XX/XX/XXXX So i'm ask to remove it from my credit buearu i'm valued customer with BB & T i have active checking, busniess, credit card acounts checking edning XXXX XXXX XXXX credit ending 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 2021-02-03 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: MA

Complaint narrative:
I sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
just notified that was unautiorized hard inquiry on my XXXX  credit bureau XXXX XXXX XXXX from XXXX XXXX Bank  XXXX, i already have active account XXXX XXXX Credit Card ending XXXX ) and i didn't apply for any new account so this impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MA

Complaint narrative:
I sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
XXXX XXXX and ALDOUS AND ASSOCIATES are trying team up and say I owe XXXX  {$330.00}. Which neither can provide an itemized statement for proof. I've asked several time for proof which no one can share. In XXXX I was furloughed due to Covid 19 and then laid off in XXXX. XXXX was always updated by me. During Covid my last conversation with XXXX was that I only {$67.00} ( {$49.00} annual fee + {$17.00} monthly fee ) I agreed to pay after I made my Personal Trainer payment arrangement of {$90.00} x 2 I still owed. In which my Personal Training ended XX/XX/XXXX per XXXX. I have bank statements showing these last two payments of {$90.00} made in XXXX of 2020. So they received my payments arranged! I then receive a letter in the mail from ALDOUS AND ASSOCIATE. Stating I owe {$330.00}, how??? And why am I now in collection? This is wrongly done by XXXX. I'm really confused and I want PROOF AND ALDOUS AND ASSOCIATES remived from my credit. I don't owe anything to ALDOUS AND ASSOCIATES. Please help me this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have attepted to gain access to my Venmo account owned by PayPal for over a month. Each inquiry to Venmo via an app or email to cusotmer service asks for me to submit a picture of my ID and after doing that about 12 times via email I am told by Venmo, via email, that they canot accept the picture. Ive explained it is MY Oregon DL and Ive emailed it to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Debt collector stated debt collection would fall off credit report once paid. They said a letter would be sent. Neither has occurred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: FL

Complaint narrative:
On XX/XX/XXXX I requested removal of late payments off a closed credit card account with XXXX XXXX XXXX. They did not respond and I wish to have the late payments removed or the whole account removed from my report. It is preventing me from getting increases on my credit card limits.

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 2021-02-03 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: VA

Complaint narrative:
XXXX  was correctly reporting a 30 day late for XX/XX/XXXX from Wells Fargo and today they changed it to XX/XX/XXXX. This is incorrect. They need remove the late for XX/XX/XXXX and instead change it to XX/XX/XXXX. Attached is what Wells Fargo sent recently!

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 2021-02-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted XXXX XXXX on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. XXXX XXXX did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file. 

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OneMain Finance Corporation
State: SC

Complaint narrative:
OneMain Financial is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted OneMain Financial on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. OneMain Financial did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file.

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX. XXXX XXXX. XXXX XXXX, at Wells Fargo, is a part of the problem the world is the way it is. 

Well Fargo has an internal policy, that lines up with XXXX XXXX app to purposefully delay the posting to an account to create fees on both sides as they point to one another as the cause. 

I personally don't care to dig through red tampon tape as my business partners bleed me. Like XXXX. 

So, When I called to fix it, they gave me a breakdown of my transactions. As if that's not why I'm calling. 

Then, XXXXXXXX XXXX XXXX became hostile. Screaming and yelling, but she is the Consumer Advocate? How? 

Regardless, Wells Fargo explicitly allowed me to enroll on overdraft protection, only to ake sure I overdraft and have to use the protections " offered. '' Its a ponzi scheme, set in timetables of due dates on wires and funds, and most of the time they target people they know wont fight them on the fee. I'm not that person. 

WF protection program entitled me to up to the date news on my disputes as well as, what I understood in the terms, a good faith promise to investigate a dispute within the wheelhouse of the program. 

Today, XXXX refused to take my fee dispute against XXXX. Initially, she offered to transfer me to claims, then she said she didn't have anyone, then she said she could look into it, then she said what I was looking for, then proceeded to deny ever offering me a chance to speak with claims. It was a runaround. I just got off their recorded line maybe 10 minutes ago. 

Additionally, with regards to the XXXX claim, worth XXXX. The protection program states it will keep you updated on disputes throughout the process. When I submitted the XXXX dispute, on the same day, I submitted an Audible dispute with the exact same claims and underlying basis for the claim. 

Unclear Terms and Conditions. 
I did not sign up for this, based on those terms, I understood x, but they only mentioned y. 

This line of reasoning entitled me to XXXX bucks back from XXXX. 
But from XXXX, it lost out on the same day? Exact same baseline facts? Exact same underlying issues. Except XXXX is up and coming and they don't want to risk it. 

Regardless, you notice the problem with the fact set? I'm only mentioned as the person doing th eleg work to make the protection program, protect me? 

They refused to investigate Refused to update Did not exercise good faith Have inconsistent XXXX or Timetables are weighted towards overdraft Case in point, WF and XXXX are in bed together and consumers are paying for the hotel room.

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 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I call Equifax and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XXXX XXXX  ( DBAMr Cooper ) is not responsive to basic questions. Their messaging system does not permit copying,, so the only way to document the correspondence is using a screen print. I requested copies of correspondence from them, but like other questions asked, they respond with a message that says they will contact me, but never do. I am waiting for an explanation as to why they would not process my payoff check. I ended up issuing a stop payment and paid the balance off in smaller amounts to bypass their certified check requirement. I am also waiting to see if they will process my tax payment or return my escrow balance. I also asked them to rescind the letter they send me informing me that they will be assessing an insurance premium. See attached documentation for dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this

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 2021-02-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I call XXXX and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
The loan was fradulent from day one when purchased. The car was previously wrecked and unreported at the time of sale. They resold the vehicle to me after it was repoed from another consumer with the same mechanical issues from the previous wreck. Also the amount financed at the beginning was changed after the sale to a higher amount. I was offered a lower balance after I kept experiencing the same mechanical issues which were alignment, transmission issues which the transmission eventually went out and the company agreed on a settlement offer of {$2000.00} due to the fact that the car was unoperable at the time of voluntary giving back to USAuto credit. I made 26 of the 36 months payments. And they sold the car for more that 100 % of what they financed it to me for. Which makes this company a fraud because I had a balloon insurance that I purchased at my initial financing in case of engine, transmission or major mechanical issues malfunction. And US auto credit would not honor the contract to pay their portion of the fees to restore the transmission. US auto Credit forfeited the contract to make another sale to a new blinded consumer to prevent all costs of helping me repair the transmission by reselling the vehicle again making it a third or fourth sale to a new consumer just the same as me. In addition, they have reported ( 3 ) different balances which are contradictory to XXXX XXXX and XXXX A family member has all his credit card receipts of payments made totaling in excess payments made to this account which was requested to turn my car back on and off due to the tracker that was installed on the vehicle. US Auto credit took advantage of the situation when they altered the balance reporting untruth to all credit bureaus. And my XXXX XXXX who is a XXXX XXXX, another with XXXX XXXX, and myself with XXXX XXXX have been denied rental Propertiess as a result of USAuto repair scam and of repeated repossessions to new consumers on this same mechanical issues. A family member has made over {$3500.00} to US Auto Credit using his credit card. And he is willing to take them to court because they are a fraudulent for not including the payments he made in the balance that they have reported. And the account number is XXXX They sold the vehicle for {$330.00} Date Sold XX/XX/2919 XXXX number XXXX Auction - XXXX 's XXXX XXXX XXXX  However, they are reporting XXXX to all credit bureaus. 
Also Im reporting this to every social media and willing to go public including on linked in. Because they were supposed to fix the transmission which was included in the balloon insurance that I purchased for repairs. And just decided to not fix it and sell it. And charge me a ridiculous price at the expense of my family well being.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Lending Club Corp
State: CA

Complaint narrative:
In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.

Company response to consumer: Closed with non-monetary relief