vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Involves XXXX and XXXX card. since XXXX XXXX! I call XXXX I get an all clear, and no balance to my XXXX card, and I call XXXX -- -- -- -- -- they say prove it? I have many times over, since Monday of this week even, I mailed them a tracking number from where it was picked up by XXXX XXXX XX/XX/XXXX! They have everything? I mailed and kept a photo of returned rec'pt for XXXX, Tracking number # XXXX XXXX XXXX XXXX XXXX. Mailed to : by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX. The man ( XXXX driver ) says that picked up, don't seal it I will do it. so I did not. The amounts were {$130.00} and also {$26.00}. 

Ever since I have spoken to each and every representative from XXXX says prove it? We are not going to look for it! Then they gave the claim numbers of # XXXX & c # XXXX. Most hang up and say : pay it. we are not looking for it okay? we are reporting you -- -- -- -- -- -- -- - I am a very long time consumer with XXXX card. XXXX XXXX, Florida. I am so angry about this. They don't care, I have the account with XXXX frozen too. ever since. Please help I have reported each credit bureau too.

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 2021-11-04 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: NJ

Complaint narrative:
There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, XXXX, and Transunion to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.

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 2021-11-04 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: NJ

Complaint narrative:
There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, Equifax, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So prior to the Child Tax Credit Payment being issued by the IRS in XXXX XXXX, Chase because my account was overdraft by a small amount decides they want to issue a Overdraft Protection Credit to my account so that everyone gets full access to their Payment. Seems great doesn't it but their is a catch behind all of it. 

Is Chase never notified their customers that they where gon na do this and then Chase is gon na turn around and debit the amount back from my Checking Account. I'm sorry to say I did not request Chase to issue any courtesy credits. To me it does more harm then good. I'm told it's a Federal Law that they have to do it, but also seems sketchy that other banks did not issue such a credit to their customers, and it also seems sketchy the credit didn't apply back during stimulus checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hello : I have not received requested information for validating this debt. I have made multiple attempts to fix problem with company. 
XXXX XXXX XXXX XXXX XXXX stated We do not show receiving any documentation directly from the consumer. 
I mailed certified letters requesting verification. 
( See Exhibit XXXX ) ( See Exhibit XXXX United States Postal Service XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX in response to a credit dispute our office mailed the consumer correspondence. 
The reason for complaint is discrepancies and inaccuracies. According to creditor they stated, The credit reporting appears accurate for this file as per creditor records. Please provide a copy of the written agreement that created my original requirement to pay? 

According to my rights as a consumer, the commission of XXXX XXXX a printout of bill or itemized document does not qualify as verification. Also, stating appears accurate is in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Mortgage Servicer : Community Loan Servicing Issue : Mortgage Paid XX/XX/2021 and Lien hasnt been released until XX/XX/2021 I need to close on my property on XX/XX/2021 and I wont be able to.

Community Loan Servicing has not responded well to my requests and is inapt to understand the urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CarMax, Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Carmax XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: Global Lending Services LLC
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Servi XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX  # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I contacted Bank of America on XX/XX/XXXX to continue with my forbearance as I received a letter from the bank for me to call whether I will continue or not. 
The representative requested for me to call back on the 1st week of XXXX as it was too early to request the 2nd forbearance. 
I contacted BOA on XX/XX/XXXX, I was informed by their representative that my mortgage was sold to a new servicer. When I asked the representative as to why I was not notified of this change, she informed me that there was a letter sent out on XX/XX/XXXX ( after I asked for continuation of forbearance ) stating that I have a new servicer. 
I asked the rep as to why on XX/XX/XXXX call the other rep did not inform me of this change, she had no answer. Also apologized that I did not get a letter. 
I received a loan modification forms stating that I have applied and requested which is not correct. I have not applied for a loan modification. 
I contacted the new servicer, they can't help me as I was informed and was requested to call back BOA. 

I called BOA on XXXX, informed that they can't help me. 

I requested to talk to a manager, who informed me that they don't do forbearance any longer and apologized for the confusion. 

I requested compliance line to file a complaint with BOA, i was told that I could only file the complaint with them. I filed complaint. 

I do feel that BOA is retaliating against homeowners utilizing their rights when needed, and selling the loans to different providers due to fear of losing money. 

The lack of transparency and dishonest practices, I feel like my rights are violated. I was flagged utilizing my very right, and was retaliated against due to insisting on practicing my rights.

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a promotion offer from Walmart/Capital one for a Walmart store credit card which stated 5 % rewards back for in-store purchases for one year, I was approved and they said it was available for use on the Walmart app to use in-store immediately, I used the app to purchase groceries at my local Walmart and received 5 % rewards back starting XX/XX/2021, for several purchases, then on XX/XX/2021 they lowered it to 2 % rewards back. I called to ask why and the said you have to use the app to get the 5 %, and the reason it went down to 2 % was because I used the card and not the app, I explained that the promotion i received clearly states the I'll receive 5 % rewards back when I use my card in-store, its says nothing about in app only. ( see attached screen shot of the promotion )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For over 3 months, I have been trying to get the Private Mortgage Insurance ( PMI ) removed from my mortgage loan. I qualify for it based in Wells Fargo Home Mortgage criteria. I initially requested to have the PMI removed and was informed that forms would be mailed to me. I call Well Fargo Home Mortgage back a month later due to not receiving the forms. I requested for the forms to be sent via email ( which I was previously told could not be done ) and they were sent to me. I completed forms and enclosed a {$320.00} dollar check for an appraisal to be continued. The check was cashed 1 month ago. I have called multiple times to try to get them to remove the PMI. Each time, I am told the same thing ( we can't find a person to do the appraisal ). I am given different answers every time and in the meantime I continue to be billed for the PMI. I called again today and asked specifically when the appraisal would be done and when the PMI would be removed. The answer was " we don't know. '' I am aware of the deceptive practices Wells Fargo Home Mortgage has used in the past. In fact, I was part of a government class action lawsuit and I received a small settlement due to the deceptive practices used by Wells Fargo Home Mortgage in a previous mortgage loan. This time around, my mortgage loan was sold to Wells Fargo by a broker and I had no say in this process. Otherwise, I would not have selected them to be my mortgage holders. My loan # is XXXX. I seek a simple resolution - complete appraisal and remove PMI. I also request that this is done retroactively and that all PMI payment that are being currently made be refunded to me. Wells Fargo Home Mortgage continues to use deceptive practices to take advantage of customers. I now ask for CFPB for help. Thanks you.

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 2021-11-04 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-11-04 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: CA

Complaint narrative:
To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.

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 2021-11-04 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX EDT To : XXXX Subject : Rocket Mortgage Loan To the Board of Directors of XXXX XXXX, My name is XXXX XXXX and I have a relationship with your firm that Ive enjoyed for a few years now. 

A few months ago I inquired about a home mortgage through your relationship with Rocket. I was only looking for a mortgage for about 50 % of my homes value. In the very first call I explained to XXXX XXXX that I did not carry wind insurance on my home and was this something they were ok with. Just Wind Insurance costs $ XXXX $ XXXX with a {$100000.00} deductible. He got back to me with the only state we require wind insurance is Hawaii. 

So we went down the road, I was satisfied with where we were going and moved more assets in to get more favorable pricing. A month or so goes by and I get a request for my wind policy. Needless to say I was upset. By then, I had dropped my processes with a couple of other lenders and now rates were rising. This has put me in a difficult position. I now have to pay an extra $ XXXX/year, ( which is a throwaway given the deductible ). Im sure XXXX did not do this on purpose, we all make mistakes. But the way its been handled has not been right. 

My processer, XXXX XXXX has been great. She did not know I had been told no wind insurance was required but totally understood my predicament. We spoke and I asked XXXX for a Quarter point reduction in the rate because of what Rocket had done to help offset the increased costs due to the Insurance requirement. They gave me the quarter point reduction but tacked the nearly point on to the closing costs, basically treating it as a buy down. XXXX apologized, knowing I was not looking to buy down. She reached out a few times to get some feedback but never received a response, then she was out for a few weeks but had told me someone would get in touch with me. No one did so I sent an email yesterday and after a few emails was told no way they are budging. By the correspondence, Im not sure they even understood I was not asking to waive the insurance, only the point. 

Ive tried to reach someone at XXXX, but always ended up with someone at Rocket. Rocket has little to lose, XXXX had no input from me because there was no one to speak with. So now Im faced with potentially having to transfer the assets out of XXXX to get a mortgage elsewhere at a higher rate, all due to Rocket. 

The last call yesterday a lady named XXXX XXXX got on the phone, was very nice and indicated shed be back to me by Monday. Im writing this as she is with Rocket and just wanted to ensure someone at XXXX had seen this. 

Ive attached some email correspondence ( there is more ) and would appreciate a response. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation