vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I paid off with my credit card bill, but there is a bad score for late paid. 
Is there any way can help me take off the bad score from 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 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/19, I applied at Rocket Mortgage to get pre-qualified for a mortgage. I was conditionally pre-qualified after detailing my financials and other circumstances verbally. 

Once the process began, I gave more and more people the specific details about my circumstannces ... divorce, etc. 

The initial contact said they would work through all of that and that I needeed to be prepared to provide documentation and explanations for my circumstances. 

During the course of this process Rocket Mortgage reps called, one after another, and I made sure each of them knew that I was working in XXXX XXXX, Texas and buying a house in XXXX, Texas. Not one time did the issue of residency distiction come up. 

The only trace of concern was XX/XX/19 they requested a letter from my employer explaining my " re-location ''. I immediately responded reiterating that I was not being relocated and that I stay in my RV when I work in XXXX XXXX. I further explained that I came across the deal on this house and wanted to purchase it as my primary residence given I do not own a home and I own an RV Park XXXX miles away. 

After 41-days of back and forth, me providing all manner of paperwork, today I get a call stating that this will have to be classifed as a secondary home mortgage and I will need 10 % down plus closing costs. My circumstances will not afford that and it is completely unacceptable. 

It did not take them 41-days to determine that I would be commmuting from XXXX XXXX to XXXX and back ... I told them from the very start. 

What's more, their explanation of why this is a secondary residence was inaccuarate. I told them that I will be in that house at least 186 days of the year and that is more that than half of the year. 

104 Weekends 20 Vacation Days 9 Stock Market Holidays 53 Monday 's ( I leave at XXXX XXXX  on Monday 's to go back to XXXX XXXX ) 186 Total Days What is even more aggregious, they did the appraisal before they actually had the signed Sales Contract. They recommended their title company, XXXX, and then a week later called and said they could not work in XXXX County, Texas, where the subject property is located. They said that we need a Survey, and after the Seller paid {$850.00} and it was completed Rocket Mortgage comes up with this disqualification due to the distiction of the home. 

This is qwrong and they need to be accountable to their business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
On XX/XX/2019, I made future payment arrangements via the online account portal scheduled for XX/XX/2019. On XX/XX/2019, I received a text message inquiring about my payment, to which I responded that I had already made arrangements. On XX/XX/2019, I received an email later that day regarding the same payment. On XX/XX/2019, I received a letter in the mail regarding the same payment. Finally, on XX/XX/2019, I received another email regarding the same payment. I feel as if my rights have been violated, and feel as if I am being harassed by this company for a payment arrangement that has already been made.

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 2019-03-25 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: TX

Complaint narrative:
XXXX reports a credit card account to experian even if I have never done any business with them

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 2019-03-25 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: NY

Complaint narrative:
Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to TransUnion and XXXX  with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!

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 2019-03-25 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: PA

Complaint narrative:
In XXXX of 2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

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 2019-03-25 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:
In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a XXXX loan through Synchrony Bank/XXXX I opened the XX/XX/XXXX statement and noticed I was charged a late fee for the XX/XX/XXXX payment. On XX/XX/XXXX, I called Synchrony/XXXX and inquired on the {$39.00} late charge. I found out that I was also charged a late fee forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX I was shocked! I went back to my checking account/bill payment through my bank to see when the payments were submitted and transmitted to Synchrony/XXXX. I discovered that if my payment due date ( the 1st of each month ) fell on a weekend or holiday, I was being charged a late fee. I spoke to a manager at Synchrony/XXXX @ XXXX also onXX/XX/XXXX and was told they could only waive one late fee. I asked why I was being charged for days the Automated Clearing House is closed, and the manager 's response was - " there is nothing I can do ''.XX/XX/XXXX - payment sentXX/XX/XXXX - due date fell on Sunday - late fee chargedXX/XX/XXXX - payment sent onXX/XX/XXXX - due date fell on Sunday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Saturday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Tuesday, National Holiday - late fee chargedXX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Friday - payment posted on Monday - late fee charged but reimbursed This isn't fair that I am being charged late fees for payments that are due on the weekend, when processing doesn't occur. Synchrony/XXXX doesn't allow a grace period. Please investigate this promptly, because I am not sure how many other consumers are being charged late fees erroneously.

I have copies of all invoices showing the late charge assessments.

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 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX, XXXX, I was alerted by one of my credit monitoring systems that my score had decreased. I went and reviewed my credit reports and found this XXXX 's account opened and already negatively reporting. The account was opened in XX/XX/XXXX. I don't know who did it but I did not authorize this.

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 2019-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX card XXXX in XXXX. XXXX since XXXX. Valid thru XX/XX/XXXX XXXX XXXX years ( XXXX ) of outstanding transaction and payment records. No late payments. 
No balance carried forward from billing cycle to billing cycle. 

On or around XXXX XX/XX/XXXX, attempt to charge a small purchase {$140.00} at XXXX XXXX, was declined, with an available credit balance of {$19000.00}. I tried 3 times and the cashier tried 2 more times without success. Account closed.

In excess of fifteen ( 15 ) written communications asking for explanation, justficaation on why the account was closed and requested that power rewards points earned be redeemed have been ignored and redeeming reward points and account credited refused. My own calculations result in a credit balance of {$15.00}. 

Emails sent to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. None have acknowledged, or credited the power rewards points to the account. 

We are not disputing the account closing. With the humiliating experience and arrogant, antagonistic indifference manifiested by top management. My wife and I decided to completely severe our relationship or association with XXXX XXXX XXXX. 

However, we also want the Bank to cease submitting fraudulent, manufactured information to the credit bureaus, and questioning our otherwise excellent to outstanding credit worthiness, that translated to credit, fico scores have been upwards of 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 2019-03-25 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: TX

Complaint narrative:
I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( Experian, XXXX, XXXX ) XXXX  deleted the accounts, but Experian and XXXX are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX   XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXX of Nevada {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but Experian and XXXX continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is Experian and XXXX able to verify them?

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 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can not verify account number on my TransUnion Credit report. 

XXXX XXXX {$4500.00} Account number 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 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc.
State: NC

Complaint narrative:
My daughter at the time had two different forms of insurance. Her primary insurance at that time was through the military insurance and the other was through Louisiana XXXX. At the time of the emergency, XXXX XXXX XXXX the original debtor ) had both insurances on file. When I first received this bill, I contacted them about both insurances. I had two other bills with them at that time, that I felt that I was bullied into paying, which were in a smaller amount, however, I don't feel that these bills have been applied properly because all other bills were paid through both insurances. I have disputed this bill about three to four times and have gotten nowhere. I am not sure of dates or times, however, I believe that the year was in 2015. I have never before, had any problems with any medical bills up until this emergency occurred for my daughter.

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 2019-03-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I received a call from GC Services asking me to confirm my date of birth and social security number. I refused to do so to protect personal and confidential information. They refused to tell me what they were calling about. Since then they have repeatedly called and left messages. No information has been provided to me at all. Today I received an email from my employer attaching a purported " Order of Withholding from Earnings '' from GC Services. THE NAME AND THE SOCIAL IN THE ORDER ARE NOT MINE, NOR IS THE DEBT. GC Services has unlawfully and improperly attempted to get my employer to pay my money to them directly. Now, conveniently, they do not answer any calls. 

The " order '' cites 20 USC 1095a as not requiring a court order. However, said section authorizes the XXXX XXXX XXXX ( not GC Services ) to initiate a proceeding, which requires a hearing and NOTICE. GC Services misstates law in an attempt to improperly garnish my wages for someone else 's alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Put a hold on my Direct Deposit for multiple days

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 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My daughter and I sold a car that we were on the NOTE together. My daughter and her husband purchased a cashier 's check from PNC bank where they bank payable to XXXX XXXX  on XX/XX/2019. The cashiers check was placed in the mail and sent to the address we were given by XXXX  for payoff of the account. On XX/XX/XXXX this check cleared PNC account but our loan did not show paid in full and when calling XXXX were told no check was ever received to pay our account in full. We then checked with PNC immediately on the XXXX or the XXXX who informed us that the check was deposited into a XXXX account and that the monies were transferred from PNC to XXXX. Neither bank has performed any type of due diligence in assuring that the check was paid as written. XXXX should have never accepted a check made payable to another bank and PNC did not raise any red flags that they were transferring money to a XXXX account when the check was clearly made payable to XXXX XXXX. We have called and sat on hold, visited PNC and visited XXXX. Both banks blame the other and neither will admit to any wrong doing of their due diligence. We have requested a provisional credit from PNC bank to pay the loan in full that was meant to be paid and have been told no due to the amount. The lady we sold the car to is now driving around with illegal plates and tags that were simultaneously transferred to my son 's jeep but she can't get her own plates because we can't provide her a title with no loan payoff. My son is also driving around with expired 30 day tags. No one seems to care that we are in a precarious position with this nor will they make right a wrong that they have done by not doing their jobs to insure that we are protected as consumer 's. No red flags were raised at either institution and it's unacceptable. We have sat on hold, visited branches, and just keep getting tossed around and told our case would be escalated the next day each and every time, however no correspondence is being done on their end only on ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In mid-XXXX. '18, I opened a Citi checking + savings account combo under the following guidelines in return for a {$400.00} bonus. Also note at the time of opening the account, I inquired and double-checked that only funding 1 of the accounts ( not both ) as also stated in the requirements of the offer was adequate to meet the guidelines and was again reaffirmed. 

-Within 30 days of opening your account deposit XXXX new-to-Citibank funds into the checking and/or savings account. 
-Maintain a minimum balance of XXXX in your eligible linked checking and/or savings account for 60 days. 
-Get {$400.00} deposited to your account! 

After fulfilling all of the above requirements, I expected to see the bonus deposited into my account ; I even received an email stating " You've Earned Your Citibank Award '' with the details mentioning I had earned the {$400.00} bonus. After inquiring why I hadn't received the bonus, I discovered THEY had closed my checking account ( at some point ) without my consent ( saying it had not been funded ) and also stated they would not pay-out the bonus since it no longer qualified due to THEM closing it. Again, note that nowhere in the above requirements does it state both accounts need to be funded at all. After 3 unsuccessful rounds of direct appeals/reviews with Citi and even another attempt via XXXX ( in a disguised attempt to  appear to be helpful and solve my problem only to waste my afternoon and provide the same too bad response ), I have decided to report their big bank shady practices to scam and bait-n-switch customers.

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