vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: NC

Complaint narrative:
XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-05-16 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: NC

Complaint narrative:
XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the consumer.

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 2017-05-17 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 — Investigation took more than 30 days
Company: Conn's, Inc.
State: TN

Complaint narrative:
In  XXXX  of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live  up to the contract. I am so frustrated with this company. What can I do to rectify this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The Banks Chase  XXXX   XXXX   XXXX   XXXX  Ny  XXXX  would not  Return   Loist   Credit Cards Complaint  XXXX -  XXXX    New York State Dept Of Finicial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a credit card open with citi bank. I got some fraud on it back in  XXXX  of  XXXX  every month since, I have called citi and explained that it was fraud and they would take it off. They never took it off and in  XXXX  of   XXXX  , they claimed it was 30 days late even though it was the fraud I was not paying. Then in  XXXX , they claimed it was 60 days unpaid and again I called and they said it was fixed. they didnt, they sent it to collections. i called agian and corrected and they said it was fixed. I got conformation this weekend because I received a statement with a negative balence. Only problem is, that shows on my report and m y credit score o f  XXXX   ( t hat I have paid every bill I have ever had early ) has sunk to  XXXX  will this go away or what do i do next?

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 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bronstein & Weiss Arbitration
State: AL

Complaint narrative:
This was the transcript of the call  : _This  is  XXXX   XXXX   from Weiss   XXXX   XXXX   XXXX  for  XXXX   XXXX   arbitration o f us location we have been trying to get in contact with _you several times this is I 'm reference to a complaint that was filed of our firm against your name and social it 's in reference for  XXXX   XXXX  accoun t transaction o n that account with closed account or no known name or did I do need a return  call _ get the co mplaint resolved office number is  XXXX  extension  XXXX  __ for my available request suspension  XXXX  thank you This  XXXX   XXXX  account has been closed for  5-6 y ears now and it was only in my husbands name not mine. Called from  (   XXXX   )   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: Ditech Financial LLC
State: CA

Complaint narrative:
There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Afni is tryi ng to collect on a debt on the behalf of  XXXX  that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all  XXXX  credit bureau  s,   XXXX ,  XXXX   XXXX , and  XXXX . I spoke with  XXXX  and they are very upset with this company which I am a valuable customer to them ...   please have this company removed this remark off my reports as it is affecting my credit. Thanks.

Company response to consumer: Closed with explanation