vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In late XXXX I applied and was approved for a COVID-19 Forbearance Plan. Then XX/XX/XXXX I was sent out a from Quicken Loans stating the Forbearance Plan offer was withdrawn and that foreclosure process will begin. Then to add insult to injury on XX/XX/XXXX I receive a late payment notice. 

Note : they checked my credit history without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid by electronic from Bank of America with my checking account has enough fund to cover to my friend VISA credit card, when I made a payment by electronic from my checking account to my friend VISA of Bank of America. Bank Of America accepted it without problem from electronic, it last payment for amount {$10.00} inXX/XX/2020 and plus fee charged next billing in XX/XX/2020. Bank of America returned the fund {$10.00} to my checking account and fee charged my friend VISA credit card for {$25.00} for non payment.It totaled {$35.00} in XX/XX/2020. I wrote to them a letter to please them waive the fee charged with good cause, but they keep quite until now. I feel bad and close my checking account and I must pay the fee charged in XX/XX/2020 to cover for my friend {$25.00} My checking account number is XXXX ( XXXX XXXX XXXX ) Bank of America My friend VISA credit card number is XXXX ( XXXX XXXX XXXXXXXX  ) Bank of America They want to use the weapon in Pandermic CoVicd-19 to avoid and steal money from customer. It is so easy to get money without customer fault. Just charge and keep quite no reply or answer with bad attitude. Thank you so much.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I started receiving letters from Mr. Cooper that I need to start making the payments again after the pandemic loan foreberance, they also gave me an option of amending my monthly payment due to Pandemic and it is called pandemic amended payment where Mr. Cooper would reduce my monthly Mortgage payment due to Pandemic. So that was applied on XX/XX/XXXX and I was told within 7 - 10 business days I will get a response from Mr. Cooper regarding this. Today 22 days have passed since I spoke with the agent and I haven't received anything. I have made around 10 calls  regarding this matter and every time I speak with a new person as my SPOC ( point of contact ) is not picking up the phone. Every new person give me a difference excuse. 

Now after threatening mr. Cooper a lawsuit, this is what they have mentioned on their website ( Please see attached ). so now they will take another 30 days to process that Amended Forebearance payment. This company is just harassing me and doing nothing else. I should have got this decision by XX/XX/2020 and today is XX/XX/2020, still there is no decision. 

Secondly, my monthly payment is XXXX and in the last statement generated this month on XX/XX/2020, the monthly payment has increased to XXXX for which I called customer care yesterday and the customer care agent told me that she is going to suspend the increase of {$15.00} for next 24 months but I am not seeing that on Mr. Cooper website. I did not receive any letter regarding the payment increase. They just increased the payment on their whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
XX/XX/2020 we contacted rocket mortgage to help us with getting a mortgage to buy a home. on XX/XX/2020 the day of our close rocket mortgage sent us an email that the application was in suspension too long and we had to start over. We suppled everything that was ever asked of us as soon as it was requested. We are now going to lose our dream home because of rocket mortgage handling of our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I understand there is a settlement involving Santander Consumer USA and I believe I am a victim. I have had my car since XXXX and Im am still trying to manage my high payments. I have once, in XX/XX/XXXX got my car repossessed because of low payments and been able to reinstate my loan with a high reinstatement fee. 


When I initially walked into the dealer ship I went with a former friend to be a possible co-signer if needed. Some how the tables turned towards me and I was being offered a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XXXX of 2018 I went into the US Bank branch located on XXXX in XXXX OR to remove my name from the joint accounts I was sharing with my ex boyfriend. They were happy to assist and all was good until about a year later when I receive a notice in the mail that I need to make a payment to the Line of Credit attached to that account. I called the Bank and after looking up my information, they confirmed that I had indeed removed my name from this account and to disregard the notice, as my ex was getting the same letter. A few months go by and I receive another letter from USBank stating my account is past due. This time I go into the same bank branch and speak with a manager who proceeds to tell me, they can see that I was removed from the account and not sure why the LOC account was not also closed at that time, which at that time had a XXXX balance. They confirmed to me that they would call my ex to inform him of this balance created after my name was taken off the account. Another couple months go by and I receive the same letter. This time I start making payments myself as I can't reach out to my ex and the bank has not helped me. This has created a significant dent in my credit score for debt that is not even mine.

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 2020-06-25 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY FINANCIAL are suppose to update and report my credit report monthly. The last time my credit report was updated was XX/XX/XXXX. XXXX until - XX/XX/XXXX, has no payment history " data unavailable ''. I initially reached out to Ally on XX/XX/XXXX online email case # XXXX, on XX/XX/XXXX case # XXXX and spoke to a live rep that day and assigned me case # XXXX. Emails are suppose to be answered within the next 2 business days. I understand that due to COVID-19 my email wouldn't be answered right away, buts it been over a month ..UNACCEPTABLE! 

I contacted all three credit bureaus : XXXX, XXXX, XXXX  and XXXX. 
XXXX  and XXXX  has been updated correctly. XXXX  has NOT!! the disputes results remain the same. I now waiting for XXXX results. Attached I have proof.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my purse and wallet was stolen. In my purse was a prepaid American Express debit card with {$1200.00} stimulus check on it. Whoever stole my purse spent the entire {$1200.00} without my permission. 

I immediately filed a police report and contacted American Express to let them know what happened. They looked into my claim but said that since the charges went through they can't refund my money. Can you help me get my money back? Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit card was closed. They claimed that they sent me a letter. I had XXXX points worth {$28.00} and they only wanted to give me XXXX dollars in the form of a refund check. I used the card within the one year time frame, but they said I used the wrong card.

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 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NV

Complaint narrative:
I checked my credit for employment reason and the collection agency came in the report. Its a medical bill that the insurance company told me that the reason they have not paid it was because the Dr. billed it as me being in his office and that was not covered unless I was in the hospital. I never went to his office and I don't even know who he is but I was treated at XXXX Hospital. I explained all this to the collection agency and asked them to send me the corrected billing showing he treated me in the hospital and all they sent me was a statement showing I owed the money to the doctor. They are not willing to correct the problems and i need to take care of this. Please help me as this could affect my job. 
The collection agency is MBA Law XXXX XXXX XXXX and the creditor shown on their letter is XXXX XXXX XXXX. I am almost XXXX years old and not on such a great physical and financial shape and I want to make this right but my insurance is willing to pay for htis old bill as long as they send a corrceted billing. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-25 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: FL

Complaint narrative:
I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit not going 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 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT

Complaint narrative:
Collection Bureau of Hudson Valley put a negative collection account on my credit file regarding a optimum bill in the amount of {$290.00} this was included in a bankruptcy in 2019. I never received notification from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Over 90 days ago, I wrote Credit Collection Services, and XXXX requesting proof of validation. So far, none of them have been able to provide such proof to me. I have sent three follow-up letters to each of them and there has been no response. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NY

Complaint narrative:
My XXXX account was recently hacked. While the account was hacked, the account was disabled due to posting content that goes against their posting policies. I am unable to log into his account or make any changes, and there is no way of contacting anyone at XXXX in any way. Any dispute that is made, is disregarded. My linked Paypal account was then compromised for XXXX by a fraudulent charge set up by the hacker for XXXX  advertising. I have no idea what the charge was for as I have no way of logging into my XXXX account while its disabled, which is where the charge was created. We have attempted to fix this through Paypal, which they are saying they are not at fault, and that XXXX is a reputable seller. We have no way of contacting anyone at XXXX to try and fix and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: I.C. System, Inc.
State: IL

Complaint narrative:
This account is from XXXX on equipment return charges. The equipment was returned to the XXXX store because XXXX stated I had to return equipment by mail. They would not pick up their own equipment. I shipped the equipment and there was no phone call or letter that they had received it. After checking my credit report several months after, there was a collection for the charges on equipment. I called XXXX and they stated they did not receive the equipment. XXXX  store in XXXX, illinois could not reproduce proof but remembered me shipping the equipment. This account is completely false and SHOULD not be placed on my credit report. I am XXXX years old and this is the only collection I have. I disputed this with all 3 credit bureaus and it was deleted. Now it has reappeared with new dates of delenquincy and XXXX  will not delete after receipt of my dispute. The dispute was placed on XX/XX/XXXX. Please help me get this false account removed.

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 2020-06-25 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Unable to link my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I recently applied for the XXXX Visa card issued by Comenity Bank. Even though the bank received my Social Security number and performed an inquiry on my credit file, they are now holding my application unless I send them a copy of my Social Security Card via US Mail, along with my driver 's license and a bank statement or other document. This is everything someone would need to commit identity fraud and I can not believe this bank is allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.

Company response to consumer: Closed with explanation