vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH QUICKEN LOANS/ROCKET MORTGAGE FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. QUICKEN LOANS IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY ROCKET MORTGAGE ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, QUICKEN LOANS/ ROCKET MORTGAGE.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

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 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I have been paying my mortgage on time until 2 months ago. I called Homebridge financial and asked what I could do. I even offered to pay partial payments or just my mortgage amount minus the PMI and was told it was all or nothing. Which I could not do. I was told I did not quality for a modification. Now I lost my job due to Covid19 and am waiting to be tested for the virus. I called again to ask what I could do and was told there was nothing they could do and they would send me a packet to fill out which I should receive in 12 days. All my calls were recorded as per the company. I was told that there would be possible assistance during this time. This is not my original mortgage company as I refinanced and wished I never did. Every time I call I am treated horrible. I am not a bad person just having some financial problems. I would like them to work with me not treat me terrible. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I have been denied credit from lenders based on information received from Equifax Credit Reporting. However, this information IS NOT on my report as such according to the FCRA, I am requesting to know immediately why fraudulent information is given to lenders yet the report records that I have received do not have such information. I have in accordance with FCRA regulations sent numerous letters to Equifax and all credit reporting agencies that they can not can not furnish information that is inaccurate, fraudulent and they continue to violate this request and give lenders information that is NOT on any of the credit reports Equifax has sent to me. The inaccurate and fraudulent citations noted by several lenders, including most recently XXXX XXXX  include : 1. Serious delinquency ( I do not have any on my Equifax report ) 2. Time since delinquency is too recent or unknown ( since I dont have any delinquencies this is incorrect ) 3.  Proportion of balances to credit limits on bank/national revolving accounts is too high ( again this is incorrect as my balances are well within the standard or below standard acceptable percentage ) 4. Too few accounts currently paid as agreed ( all my accounts are in good standing and upon checking my latest Equifax report assistance, there is no negative information to verify this ). This citation is arbitrary by lender, but still is not on the my Equifax report. 

Equifax is the only credit reporting agency that has thus far refused to follow the FCRA statues in either removing fraudulent information and/or providing information that was identified as fraudulent in my identity theft case. My Equifax credit score is considerably lower than ALL other credit reporting agencies by any reasonable standard. Again, this is due to Equifax refusing to follow the FCRA guidelines that the other credit reporting agencies followed and the lenders that were involved and have since removed the fraudulent information. I can not stress enough how severe the damage this has caused my credit scores and I am dumbfounded at Equifax blatant disregard for the federal laws put into place to help consumers combat identity theft and the like. Again, I want to emphasize that of all the credit reporting agencies, lenders, banks, etc that I have notified, written and otherwise contacted throughout this process EQUIFAX is the ONLY company that has refused to follow the guidelines and continues to furnish information that is inaccurate and fraudulent, but the information provided to lenders is not even on my Equifax report! How is this even possible and how can any consumer dispute information that only the Credit Bureau and Lender have access too?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I have

a Sears Credit card. The interest rate is 25.24 % ( D ) ( V ) the card is backed by CITI Bank. This card 's interest rate is exceedingly high and takes advantage of minorities with poor credit. I called to see if I could have my interest rate lowered. I was told there wasn't anything they could do to help me. My XXXX has been shut down by the government. I see that this shut down will effect my income for at least another year. I believe CITI / Sears is taking advantage of low income people who are being crushed by the loss of their jobs. I believe my interest should be lowered to 15 % at the very most. Sears is g
etting cheaper money from the FED and taking unfair advantage of its ' 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 non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was recently sold to Shellpoint mortgage company. The very first time I tried to make a payment there was problems. They had no information about my loan ( which Ive been paying on for 17 yrs ) and made me pay more then my monthly payment. The lady I spoke to had absolutely no idea what was going on with my loan. When I tried to explain to her that the amount she was telling me I had to pay was wrong she was rude and said that if I didnt pay that amount my payment would be held and then it would be late. I pd the amount she said because I have been working very hard to not make late payments. When I asked to talk to her manager she told me no no reason..just no I dont know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a temporary credit from the company of {$1100.00} around 20 days ago and I was informed that I will receive a final response on XX/XX/2020. I haven't received any kind of final response regarding the matter and also tried to call on the phone number provided on the letter ( Please see attached ) but to no avail. Please tell me the final outcome of the matter. 

Other thing is, since the item I have filed this complaint, I am not able to login into my my Synchrony Account online, so please look into 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 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I complainted to Blackhawk Network about a {$100.00} Matercard prepaid card that could not be used in-store or on-line. Blackhawk 's representative agreed to replace the card by mailing me a new {$100.00} card within 10 business days. 

on XX/XX/2020, after waiting for the replacment card for more than a month, I contacted Blackhawk again, and again was told that another replacement card would be mailed to me within 10 business days. 

Until now ( XX/XX/2020 ), after more than 3 weeks from the 2nd request, I still have not received replacement card from Blackhawk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 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: American First Finance, Inc.
State: GA

Complaint narrative:
Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = American First Finance, XXXX. XXXX XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting American First Finance on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from American Freight Furniture. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called American First Finance again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with XXXX  XXXX  XXXX. XXXX  XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I opened a new bank account and i would like to move some money into it but Bank of America does not recognize my new bank 's routing number. I checked with the XXXX and the Fed and it is a valid routing number. I'd like to resolve that since BofA is not letting me move my money.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
We contacted Rushmore LLC on XX/XX/2020 to make arrangements to make payments on our mortgage. The rep took all of our financial info and assured us that they would be in contact regarding a payment plan to catch up on payments. One week later I called and I was told to call back the next week, I asked for an email to verify our phone conversation and was told the company did not use email. I have tried for the since then to call every number I can find and I get put on hold for upwards of 45 minutes. I have yet to speak to a human being. I have been unable to log into my account since the beginning of XX/XX/2020. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I have been receiving ongoing bills from XXXX XXXX Hospital since the beginning of 2019 and most recently I received a notification of collection from ARStrat company. 

I visited this hospital in XXXX of 2019. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I got a mortgage with SPS ( Select Portfolio Servicing ). In this mortgage, I had to pay the PMI and I already paid 22 % of the initial cost of the home, The state that the PMI will remove automatically when the lender reach 0.78 LTV ( Loan  to Value ). 

I already ask them to remove the PMI and they ask me to send money to pay an appraisal, I already did on time. 

I do not agree with that because they state that the PMI will remove automatically when the lender reach 78 % of the LTV Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is regarding WellsFargo Bank with my checking account on. I had lost my bank debit card and had another one send through mail that I never received. On XX/XX/XXXX this debit card was used 15 times in one day in different XXXX  in Fl far apart from each other & the only transactions made were to get cash back {$100.00}, {$260.00}, {$200.00} not once, not twice, but 15 times without being stopped or flagged & a {$300.00} ATM cash withdrawal. The next day XX/XX/XXXX I wake up to my account being negative - {$1700.00}. I called & told them the charges were not made by me because I had never received my bank debit card. Went to the branch in person filled a complaint being sure I would be helped waste of time and effort on my part many times. I received a letter that the case was under investigation. To then receive another that the investigation was closed and no money was going to be returned to me. Went again to file another complaint in the branch which they told me they could not do anything because it was moved out their department to Escalated Complaints. I was told to file a police report which I did on XX/XX/XXXX which did not help. No email was send to me regarding the case no phone call from Escalated Complaints Department nothing. Just a letter saying case closed due to final investigation. Wellsfargo charged me on top of all this {$35.00} for every transaction withdrawal which were multiple. How can a banking institution get away with this? No one to help & all they send you is a letter with case closed they keep on sending letters of just 10 more days for a resolution update and nothing ever gets done. They are stealing peoples $ and just {$1.00} no this is a complete disgrace thousands of dollars now from one person. With no one to help or guide I have come to do my own research, waste my time, get stressed in worse possible way and on top of that have my money stolen by them. We should not have to do this this is the reason I put my money there in the first place to be safe! Now is the Bank stealing from the people from innocent people I can only imagine the many that do not know were to seek help. I will send this to who ever I need Washington, who ever this is now more that just money this is about a Corporation stealing millions of dollars. Something has to be done and people should have the right to know about services complaints like 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 explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase XXXX XXXX XXXX XXXX XXXX AZ XXXX Account number XXXX Re : Private Mortgage Insurance I am writing this letter to demand cancellation of Private Mortgage Insurance. My loan was first effective in or around XXXX of XXXX. Since then, there have been some hardships but was in good standing as of XX/XX/XXXX. The loan at that time was at least 20 % or less in equity. I believe the private mortgage insurance should have been removed at that time. Since then I did fall under unforeseen hardships and had to request a loan modification. My payment history was current for more than 12 months therefore, private mortgage insurance should have been cancelled. You had 78 % equity at that time and did not remove the PMI. There was another unforeseen hardship that lead to past due history sometime around XXXX. I have once again placed the loan in good standing with no late payments. In XXXX the property was more than 78 % equity and should have been removed. You didn't do that and I feel my rights under the Federal Homeowners Protection Act ( HPA ) was violated. Im requesting that the Private mortgage insurance be removed as of XX/XX/XXXX. I should be entitled to a refund for 6 or 7 years. Im citing the rules below for my rights. The percentage now is at least 40 %. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america has refused to open XXXX XXXX XXXX account plz help me in getting it reopened along with a new debit card as well thank u XXXX XXXX is making too much money plz help him out XXXX b-day is XX/XX/1975 he will be XXXX yrs old he would love to have it reopened thank u

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 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt was resolved in XX/XX/2019 and debt company ha not removed or Will remove from credit core

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowing payments from my account that's not authorized and adding overdraft fees and my checking account is overdrawn in fees by {$400.00}.

I have contacted with XXXX XXXX and XXXX XXXX XXXX in XXXX, California to make payments arrangements of {$60.00} @ month until the {$230.00} and {$300.00} debt is paid for payday loans. 

My checking account ending # XXXX has a negative balance of {$400.00}. 
I am in a financial hardship and Coronavirus issues has affected everything in California and America. 
I am respectfully XXXX XXXX, XXXX  and a XXXX XXXX XXXX Military Veteran. 
Bank of America is receiving a stimulus funding, and my account should be in positive standing and not negative.

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