vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
A ) XX/XX/XXXX - pre-approval from Quicken Loans for VA loan financing up to $ XXXX {$900000.00} B ) XX/XX/XXXX - property under contract for purchase offer of {$690000.00}, option period of 14 days, fee {$350.00}, ( end XX/XX/XXXX ) C ) XX/XX/XXXX - travel accommodations booked, home inspection purchased D ) XX/XX/XXXX approximately XXXX central time, received notice from Quicken Loans that underwriting can not qualify applicant for purchase amount. 
E ) XX/XX/XXXX - XXXX central time, phone resolution discussion with Quicken Loans who admitted income was not properly vetted during pre-approval process and complaint filed with Customer Relations. 
F ) XX/XX/XXXX - XXXX pacific time, resolution from Quicken Loans, proposed reapplication timeline for financing would result in option period expiration with potential for further losses ( XXXX XXXX XXXX  ) without guarantee of financing secured for contract. 
G ) XX/XX/XXXX - XXXX pacific time, client relations offer to refund {$500.00} application deposit, refusal to compensate for additional financial loss due to improper vetting for pre-approval Amplifying information : I am filing a complaint against Quicken Loan. I received pre-approval after going through initial underwriting for up to $ XXXX $ XXXX and made a purchase offer under the pre-tense of qualification. Just prior to close of option period on home purchase, Quicken Loans notified me that I did not qualify for the VA loan due to an issue presented that my spouse 's income no longer qualified due lack of a confirmed job offer to area of the new primary residence. At no point prior to this were we notified that this would disqualify us for VA loan finance. No new material financial information was provided or updated from initial pre-approval/underwriting. Home inspection fee, option fee, travel and accommodations had already been booked/executed by the time we received notice and were unable to be cancelled or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I had sent XXXX XXXX dollars to my friend through Venmo. 
Later in the day, my friend indicated she did not receive the amount. I had emailed Venmo to resolve the issue. Venmo responded by stating " it is in her account, she need to transfer the money over. '' However, the amount was not in her account for the transfer. Therefore, I sent the venmo picture of my friend to her to verify. My friend said, " that's my picture on my XXXX, but that is not my account. '' I had emailed Venmo back to notify them fraud has occurred. Someone is using my friend 's first and last name, her picture but a different, other than my friend. 
Venmo responded requesting all the information between my actual friend and the other account. Venmo team stated they will investigate. I sent the information as well as attaching the XXXX different accounts with my friends pictures on them both. My friend only has XXXX account. 
Venmo then responded stating I need to follow up with my local law enforcement!!!!! 
At this point, Venmo has not notified me of anything else they are doing abou this situation, and indicated I will not be getting my money back. 

Please help. I do not believe Venmo is following up, poor customer service on their behalf. 
Extremely concerned this is happening on Venmo especially when so many people use this service. Something needs to be done so this will not happen to anyone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TN

Complaint narrative:
On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I was aware that I was the victim of identity fraud as someone successfully requested unemployment benefits from the NYS dept of labor in my name. I have since frozen my credit on XX/XX/XXXX with all 3 major credit agencies. I also signed up for credit monitoring. So far no alerts. 

On XX/XX/XXXX, I received a letter from Moneylion with a legitimate appearing debit card. I did not request this card and I have not activated it. From my reading this may be a bait card intended to obtain personal information. I am unable to reach this company as they are difficult to get a hold of and their website does not have contact info that works such as an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TN

Complaint narrative:
On XX/XX/2020, I submitted a dispute for the 3 bureaus and I have not get any information of the finding.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WA

Complaint narrative:
When merchants are are unresponsive and transactions are disputed, this company does not investigate them properly, which is a violation of federal and state law, but also a violation of their card issuing agreements with visa/mastercard. 

The improper investigations are due to extremely poor quality, including poor English comprehension, of outsourced customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 the fraudulent wire transfer was made on my account for {$5000.00} on Wells Fargo checking account. I filed a complain immediately with my bank to cancel the transfer and reverse the amount. They told me to wait for 10 business days to get my money back from bank. But after 10 business days they said that they the case is closed and they weren't able to reverse the amount. Although when I signed the contract with Wells Fargo while opening my account it was clearly stated that I won't be responsible for any fraudulent charges. Also when I filed the complain about the unauthorised wire transfer, the banker at that time told me I'll get the refund back within 10 business days. Since I am not responsible for unauthorised charges I want them to refund my {$5000.00} back.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So far its been a month that my bank has been frozen. Someone got into my account and took out XXXX $ and I filed a claim with Bank of America fraud department. After that a couple of days passed and got a letter in the mail saying yes it was fraudulent activity and I was going to get that money back. Now my account is frozen and has been since I received that letter and received a new debit card from XXXX that I can not activate because my account is closed I need my money to pay bills and its being difficult with them because they just point the finger at each other each time. I have been calling every single day besides the weekend asking them when will I receive any information but all they tell me is to wait and I can not wait anymore.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX. 

As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate. 

Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate. 

I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.

After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I submitted a dispute for the 3 bureaus and I have not get any information of the finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank lowered my limit from {$700.00} to {$300.00} XX/XX/21. Card was not used and they reported card over limit on XX/XX/21. It is my understanding this should not happen for 45 days after the limit was lowered.

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 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Again Freedom Mortgage is not and has not complied with FHA guidelines on my mortgage. Ive been complaining to CFBP and sending monthly loss mitigation pkgs back and forth and every answer from Freedom Mortgage is the same.no matter what my financial loss is Freedom Mortgage wants the same information. The last phone call from Freedom Mortgage was an agent telling me she needs to verify I gave a bank account or not, so I called XXXX XXXX and hit the checking account verified that I dont have an active checking account account with XXXX XXXXXXXX. Im including all parties information for that call and the last letter in response from Freedom Mortgage for my loss mitigation application. SEE UPLOADED DOCS.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: FL

Complaint narrative:
descrepencies un deposit unauthorized withdrawls no supervisor call backs no remedy to situation stealing my money account and giverment site doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
This is about Prosper marketplace that has a fraudulent account on my credit file Approximately two years ago I started receiving phone calls from this company telling me that I was past due on a debt. I continue to ask the company what type of debt are they talking about and the Company would repeat themselves and tell me that I applied for a loan and I was past due on my payments. Of course I thought this was fraud and they were just wanting information from me however as time goes on I Learned that this was real because they have now placed this on my credit I have attempted dozens and dozens of times to speak with this company however they refuse to speak with me because they say that they have been paid in full by another person however they have still placed this on my credit file. This is against the law what they are doing to me and I am demanding that someone look into this as soon as possible or I will be getting an attorney and researching all parties involved. Companies like this should go to jail. Unethical unprofessional and they just hang the phone up on me when I call this is tarnishing my credit I am in capable of purchasing a house because of this company my life is on hold and I am demanding some sort of answer from this company rather than hanging the phone up on me continuously. I am sick of it absolutely sick of it and I want this removed from my credit file immediately. 
They tell me to provide proof that this is not mine. How in the XXXX can I provide proof that this is not mine when it is indeed not mine? Its like Im having to prove I didnt do something when thats absolutely impossible to do. Any help whatsoever from anyone would be greatly appreciated because Prosper market place is a joke.

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 2021-02-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
It appears someone has used my identity for fraud with different names addresses and employers. I need this to be investigated and fixed immediately. 
Example 1 : A fraudulant name on my report was used XXXX XXXX Example 2 : Fraudulant addresses, XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX Example 3 : Employers listed XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX  XX/XX/2021 Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for my letter today is in regards to two late payments reported 1 in XX/XX/2020 and XX/XX/2020. These late pay occurred due to Covid which had impacted me. As soon as i was able to I got this account paid up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized/ Fraudulent inquiries 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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: AR

Complaint narrative:
On XX/XX/2018 after just moving in a new home XXXX was already installed. I called and asked if I could try it out in my name because it had keypads and we didnt know the code to get in and out the front door. I informed XXXX that I didnt know much about the brand besides what I read on XXXX prior to contacting the he company. He then stated that there was no contract and that it was month to month and that I could cancel anytime. I didnt have to pay a installment fee because it was already equipped with touchscreen monitor, keypad, and camera in the backyard. A few months later I called and told them that I no longer wanted the service and what I believed was the end of it all. Without noticing at first I was still being billed months later when I canceled already around XXXX the service was also disconnected. When I noticed the unauthorized charges I canceled my bank card. Only to see later that they was still sending me bills and the balance was still going up with the alarm system being disconnected and me canceling the account. The bill was only {$54.00} and month to month so how do I owe {$360.00}. How was they still charging me for months that I had the service disconnected?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/2021 synchrony bank uploaded a fraudulent letter to the cfpb stating that I did not provide proof of return I provided proof of exchange which is absolutely false. I provided a proof of their transaction that can only be generated at a cashier register XXXX a RETURN/RECEIPT has a transaction ID calls have been recorded stating that see it uploaded in systems of that returned amount. This company continues to lie and is committing more fraudulent actions by trying to cover up that my card was used after I left the store and returned those items I was charged again they have to show proof of that transaction of me purchasing it again after it was returned because I returned them. XXXX should be fired for lying and trying to deceitful actions to a customer and government company. Make them provide proof of what I sent in via faxed

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 2021-02-23 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: CA

Complaint narrative:
On XXXX, 2021, I received a hard inquiry from XXXX XXXX XXXX on my TransUnion credit report. This was unauthorized.

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi I banked with Fifth third bank since I was XXXX yrs old and they racked up fees on me Wich was supposed to be waved and credited back because the funds was unavailable and orders was canceled I shouldnt have any fees because on both ends orders was cancled they racked up over XXXX in fees on my account and then terminated my account and now sending me threatening emails and letters to pay half or other amounts Wich I dont feel is right and then I tried to go to another bank to make account and they wouldnt let me for some reason so I think they did something

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Unauthorized/ Fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX  XXXX/ XXXX reported I was late 60 days both months to XXXX  XXXX The same company reported I was 30 days late both months to Transunion and 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