vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I have submitted a inquiry to refinance my second home with Quicken Mortgage and I was contacted by phone by XXXX XXXX | Associate Banker, Direct : ( XXXX ) XXXX NMLS # XXXX on Thursday, XX/XX/XXXX. 

The broker appeared very knowledgeable and professional, however when we got to the point where he shared with them the loan he proposed, he refused multiple times to share with me the Loan Estimate document for the loan. He only offered to share numbers over the phone. The following is our last conversation over SMS, he has not replied nor contacted me since then : [ XXXX ] : Happy Saturday XXXX! I just want to let you know I am in the office for a few hours today helping a handful of clients get their loans locked in before the month ends. Do you have any questions before we move forward? 

[ Me ] Hi XXXX. Can you please send me the loan estimate document over via email with all the details. I need to do some math to see if it makes sense for us to refinance. 

[ XXXX ] : I don't have the ability to send a Loan Estimate until the application is printed otherwise I would gladly do it for you. Please give me a call when you have a moment and I will go over the numbers with you again so you can write them all down. And then crunch the numbers for yourself [ Me ] : When will the application be " printed ''? I won't be able to make a decision until I receive the Loan Estimate document.

I understand that lenders must provide a Loan Estimate document as a way for consumer to compare different loan products. The fact the he went silent after I directly told me that I was not going to move forward without viewing the Loan Estimate document tells me that something is not right with the loan product he wanted to sell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My payments are automatically sent to LoanCare every month. In the beginning of XX/XX/XXXX, LoanCare did not credit my account with these payments.

I called LoanCare and the representative found the error in the administrative system. He indicated that the payments were applied to XX/XX/XXXX rather than being applied to XX/XX/XXXX. He said he would fix this error. He said he would refund the fees that were charged and call me back to assist with a dispute made through XXXX. I never heard from him again. 

I was charged late fees which need to be returned to me. I also filed a dispute with XXXX regarding my credit rating. I have heard nothing from Loancare. This error has taken a huge hit on my credit. It needs to be resolved. 

PLEASE SEE ATTACHED : Screen Shots showing payments made to LoanCare, detail of XXXX payment, XXXX 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 2021-03-30 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: FL

Complaint narrative:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX and XXXX XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/2015, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/2015, XXXX XXXX and XXXX law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX XXXX XXXX. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX and XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

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 2021-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Asking for documentation at separate times taking a long time to process real problems with the underwriter not requesting documents in a timely fashion then once present documents then asking for more documents was taking more time in order to get processed I really believe this is really unnecessary and like to have some answers while all the paperwork was not asked for at one time in order to make this a smooth transition

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I've been trying obtain a copy of my TransUnion SmartMove report. Online, the website directs people to call in to obtain the report, but when you call you are told you have to email a copy of a photo ID to a blind-box email, meaning the information will be available for potential identity theft. After being on the phone with them for more than 20 minutes, they offered that I could Fax or email a supervisor directly. But it shouldn't take a 20 minute call to figure out a safe way to obtain my publicly available report to which I am entitled under the law.

They offer no secure website by which to submit the information, or any other way to verify my identity that doesn't involve sharing confidential information via email or fax. That's crazy.

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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I had an accident on XX/XX/2020. InXX/XX/2020 my car was deemed a total loss. My finance company is Kia Motor Finance. My insurance company is requesting a revised letter of guarantee. The finance company says they generated one in XX/XX/2020. My insurance company revised their final number and is requesting a revised letter of guarantee as of XX/XX/2020. It has been four months now, the finance company still has not generated this document for my insurance company. My insurance company is unable to pay out my claim because of this. This matter has negatively affected my credit. Is there a solution you can help me out with?

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 2021-03-30 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: CA

Complaint narrative:
Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: VA

Complaint narrative:
I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not 100 correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.

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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I completed paying off my mortgage loan with LoanCare LLC in XX/XX/XXXX but the company has still not processed my lien release documentation. I have called their customer service hotline every 2 weeks since XXXX and am constantly told that it has been escalated and a 3rd party company is working on it but it has now been nearly 9 months and I still have no results. The representatives have acknowledged that it should not take this long but they keep asking for an extra 2 weeks and the deadline keeps getting pushed out. I also tried to send a request via their email support portal on XX/XX/XXXX and have yet to receive a response.

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 2021-03-30 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: Conduent Incorporated
State: MS

Complaint narrative:
On XX/XX/2021 my unemployment weekly amount was put on my Way2go card. Immediately after I transferred the entire amount to my XXXX XXXX XXXX account. They claim it takes 3 - 4 business days but it has never cleared with XXXX. I spoke with 3 different customer reps. at Way2go and they are all giving me the rundown that I need to be patient. Today is the XXXX & I have spoken with XXXX a couple of times. They have no record of any pending transfers from Way2go. The last message from Way2go said that it could take up to 5 weeks to resolve any issues. This is ridiculous I need my money to be put back into my account. I have XXXX $ presently in the account from this weeks payment. I am missing last weeks payment which should equal total of {$720.00} in my account as of today. Please help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020, was at work and received a call regarding a suspected fraudulent charge trying to hit my office Visa credit card. They were declining charge per my request. They closed this account and issued me a new card.

Several minutes later I received a call regarding my personal Mastercard credit card that was being attempted to be charged. Again I declined the charges and they put a watch on my account.

I have ( had ) a Visa credit card thru Chase Bank that I occasionally used for online purchases that I received an online statement from showing a charge for {$230.00} from a " XXXX XXXX XXXX '' merchant, for something I did not order. 
Several days later I received a package from this merchant that was promptly returned to the post office unopened. They marked it as refused, and I assumed they were sending it back. 

I kept receiving statements from Chase and have had several conversations with their fraud department claiming I did not make this purchase. Returned to post office to track the return. I sent them documentation from the post office that this package had been disposed of due to the fact of the way it was sent w no return postage guarantee.

I have since closed ALL of my accounts with Chase and my statement balance is now over {$300.00} with their late fees. I am not paying for something that I did not order.

The only place these 3 credit cards have been used that I can determine is on XXXX, lesson learned do not store credit card info on these type of sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been a long time customer of Discover for at least years no late payments. I'm in the process of making a large purchase and reached out to my credit card company which i am in good standing with for fours and asked for an increase of my credit limit and they refused without a valid reason and when i questioned it. I was told the system makes the decision. I ask to appeal this decision because it doesn't fit my history with Discover and i was given the run around by the representative and was told i would get a call back from the manager after i let a message on XXXX  and called out Discover for their algorithm discrimination practice. Discover has failed to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX  ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, Mr. XXXX and associated law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. Mr. XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and Mr. XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX County Supreme Court. This time Mr. XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX aXXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX  by and through the law firm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, XXXX XXXX aXXXX XXXX XXXX XXXX served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX Supreme Court. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with National Credit Union Administration appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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