vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : 1. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. Quicken Loans, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A Represnstive of XXXX took out of my band account {$470.00}. I don't have an account with XXXX. I did not Authorize for them to take this money out of my account. 

I made a one time payment for XXXX XXXX. He asked me if I could make a one time payment for him. 

XXXX tried to explain this to the merchant. They would not listen to reason. 
Capital One returned the money. Then they took it out again said that their was a contract so they couldn't do anything about it. This merchant took my money. The reason was because they kept my card on file when they were not suppose to do that. I need help with this issue. They are stealing from my account and Capital One is letting them by not giving me my money back. The bank did an investagation, it didn't help. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MD

Complaint narrative:
In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's Transunion and XXXX accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX 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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, No consent is identity Theft.

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 2021-05-17 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: NY

Complaint narrative:
I was approved for loan online when I called they denied my request mean while my credit took a hard hit

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 2021-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
XX/XX/21 Called and spoke to XXXX in Collections to get out of forbearance and start paying back regular loan payments and add missed amount to the end of the loan which was told I could do so when I took forbearance process due to out of work due to XXXX She advised me to submit Loss Mitigation Application which I did through the website. Called back on XX/XX/21 and spoke to XXXX in Collections which transferred me to XXXX in Loss Mitigation Dept and she told me application would take 4 wks with underwriters and that mine was still in review. Called back again XX/XX/21 at XXXX and we would owe {$6600.00} and she had checked to Hardship department and they told her that I was approved for Deferment Referral and I would receive a letter about that. Called then back XX/XX/21 at XXXX and spoke with XXXX XXXX Collections that transferred me to XXXX XXXX Hardship Dept and she told me that she didn't see any application submitted on my account and that since I have a Farm Loan on the property that the Deferment Referral is not an option due to the type of loan I have ; was on hold 30 mins while she " checked '' to see if they had my application. She didn't show application so she transferred me to BRACE Dept and I spoke with XXXX since I need to get application into system. XXXX helped me complete the Loss Mitigation Application since it didnt go all the way through due to documents needing to be attached ( I thought it went through 2 wks ago ) but that doesnt help the fact that people were giving me completely bogus information that was not correct. XX/XX/21 at XXXX FINALLY was able to print/fax application & documentation since the website wouldnt allow the application to be submitted. XX/XX/21 at XXXX Spoke to XXXX in Collections then transferred to Supervisor/XXXX  with Hardship Taskforce Dept since there has been A LOT of miscommunication and false information given to me via phone calls within the last two weeks. SupervisorXXXX was great with reassuring my situation will be taken care of and he apologized for any false information given.

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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
XXXX charged off this debt. There has been 3 other collection agencies over the years that have attempted to collect this debt that they paid for pennies on the dollar. None of them had the original agreement signed by me to the original debtor. 

I had never heard from Convergent Outsourcing until I saw that they were reporting on my credit reports that I owe them a debt. 

I have signed no agreement with Convergent Outsourcing , Inc and do not owe any debt to them. Without the initial signed written agreement between me and XXXX XXXX or a signed agreement between me and Convergent Outsourcing proving that I owe a debt to Convergent Outsourcing Inc., which is the only approved means to validate a debt with the FDCPA. 

I have written Convergent Outsourcing Inc., several times through certified mail requesting that they provide me with the original agreement signed by me to the original debtor that gives Convergent Outsourcing authority to claim this debt. Convergent Outsourcing must not be reading my certified letters because they continue to send me copies of old 2017 statements from XXXX XXXX that they paid pennies on the dollar for, and that is not VALIDATING that I owe Convergent Outsourcing INC anything. All that proves is that they paid pennies on the dollar for a debt that XXXX  XXXX charged off the debt as a business loss. 

I have requested that they remove the derogatory mark as a collections on my credit reports on the 3 Credit Bureaus. They have not done so but continue to report false information that I owe them a debt and that is a violation of the Fair Debt Collection Practices Act and defamation of character. I repeat ... Convergent Outsourcing Inc has not proven that I owe them a debt. They have not provided the one source of proof that is the original agreement signed by me to the original debtor, XXXX XXXX. 

Next step is to contact an attorney and file against Convergent Outsourcing Inc .

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a debit card from TD Bank today that I did not apply for. I called them and alerted them to that fact and they said they would refer my case to their fraud team to investigate. The person I spoke to said I should contact several website including the FTC who referred me to this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's XXXX and Equifax accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MO

Complaint narrative:
I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.

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 2021-05-17 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: LEXISNEXIS
State: MO

Complaint narrative:
I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I am writing time in hope that you will consider helping me by removing late payment information from my credit profile. I do not know who else to reach to in regard to my old XXXX XXXX account. I have been a customer with XXXX XXXX for years and I have never had an issue until now. I am highly known in the public eye as I am a two-time XXXX XXXX XXXX XXXX and I constantly refer other players to your company. 

Currently, XXXX XXXX is reporting a collection account in the amount of {$120.00} on my credit report. Unfortunately, this collection is the result of my personal assistant negligently handling my business affairs. 

I have included a letter from the business management team that employed my assistant with this letter. 

Please note, since the time of this inconvenient betrayal I have been mostly successful in working with my creditors to get my accounts in order and restored my credit profile. I implore XXXX XXXX to help me get beyond this nightmare as I should not be responsible to bear the consequence of this collection. I am more than willing to pay this account in full as long as the collection status is removed after payment. A payment was not made as my business management office failed to tell me there was any balance due on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NY

Complaint narrative:
My wife had this card that was offered when we got a new checking account. I must have received one also but never activated it. My wife XXXX XXXX  in XXXX and because my name is also on the checking account. I have no access to this account and they don't mail the bill until it was past due. Where they applied late fees and interest rates. 
elan financial, cardmember service, I received the bill XX/XX/XXXX where there was XXXX late fees and XXXX interest charged.I am going to pay this off as soon as I save enough money, but these people don't help. 
Twice I have asked them to mail the bill on time and twice I have received it past due. I don't feel I am responsible for it at all. Never signed for, never used it and they know it.

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 2021-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is against BMO Harris Bank. 
I had opened online one year CD with BMO Harris Bank. 
It matured on XX/XX/2021. I called to redeem the CD on maturity, The bank told me that they will send the balance, a little over {$38000.00}, by check and that I should receive the check in 7 to 10 business days. When I did not receive the check after 10 days I called the bank and they told me to wait for another 2 days. When the check did not arrive after 15 days I called the bank again. This time they told me that the check was actually mailed on XX/XX/2021 and perhaps wait for it a little longer. If I did not receive the check after that I would have to sign and Indemnity form and wait for 90 days to get the check re-issued. I asked for tracking number from the carrier so I could find out from the carrier why it was not delivered. It turned out that check was sent by ordinary mail with no ability to track the delivery. The bank would not pay any interest for the 90 days delay. Alternatively I would have to purchase, at my expense a surety bond to receive the payment earlier. Either way the bank is penalizing me even though the bank itself acted irresponsibly in sending the check in an insecure manner without any guarantee of delivery. If the bank is going to delay the payment by 90 days I should at least get interest on it

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 2021-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I had an insurance loss XX/XX/2020. I notified Rushmore my lender. I settled and got a two party check. I again notified Rushnmore. They rold me to endorse it and to send it to them, They also told me to send a letter of intent for the check. I told them i was trying to sell the property and UPON the sale of the property the check can be used to pay the remaining mortgage and send me the rest. They took the proceeds and paid the mortgage without me notifying them. Now if I can not sell the property, I no longer have funds to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
I went to cash my paycheck at Mechanics Bank in the amount of {$2600.00}. Since I was using my second form of ID that still has my concealed to carry. The bank manager a dark skin man lied said that he is keeping my check. That is fraudulent had verified that my check was good before the this weekend. A conceal to carry license does not call the police as there for meaning you are registered with them. My paycheck has keep without cashing the check as it is the issuing bank on the check. 
Issuing bank and location where I cashed I tried to cash my check. 

Name on check my business name XXXX XXXX XXXX XXXX ID XXXX XXXX Mechanics Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: DC

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.

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 2021-05-17 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is with Bank of America. There was an existing balance of {$65.00} that was in dispute. Bank of America closed that dispute without notifying me of this action. This dispute was at least 18 months old. I did not pay that amount because I assumed it was still in dispute. B of A reported my account 60 days past due and charged various service and late fees. I sent an email to the Director of customer relations at Bank of America located at their corporate headquarters. ( Please see attached Word document ) I received a call from an assistant Informing me that there was nothing they would do to resolve my issue and that they would continue to report the account past due. I had no other choice than to pay the {$65.00} so that my FICO score would not continue to plummet. My credit rating was XXXX prior to Bank of America initiating these actions. My FICO score has dropped by more than 100 points. I have never experienced this type of treatment by a credit card Issuing company. I consider their actions fraudulent and unethical. 

Sincerely, XXXX 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