vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a mortgage refinance with Rocket Mortgage/Quicken Loans. I am at 95 days since application and the closing was scheduled for Friday, XX/XX/2020, at XXXX XXXX  PT. The signing agent did not show up and after attempting to determine what happened after speaking with 10 different people at Rocket Mortgage trying to figure out what happened, another agent was rescheduled for the same day at XXXX XXXX  PT. Again, the agent did not show up and there were attempts to reschedule the closing and signing agent on Saturday, XX/XX/2020. Again, there was a problem with closing due to lack of communication and preparation between Rocket Mortgage and the servicing company XXXX, so closing and another signing agent was yet again rescheduled for Monday, XX/XX/2020, at XXXX XXXX PT. The signing agent arrived without my closing papers. In addition, there were also several delays in the documentation verification due to a " technical glitch '' that delayed the process by over a week. Rocket should not be advertising services that it can not deliver in a timely and professional fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Applied and was accepted for a Citibank credit card over a month ago. Received letter stating a card would arrive soon. Card never arrived. Called Citibank to get a replacement card with expedited shipping, again, card never arrived. Called a third time to get a replacement card, was told 1 ) Citibank could not send a verification message to my phone number 2 ) Citibank could not call back to verify my phone number, even though I was calling from said number 3 ) Citibank could not verify my identity to send another card without first sending a verification letter.

At this point I was quite frustrated, as previous mail had not arrived and the only option they gave me to access my account was yet another letter. So I told them to close my account. They refused, citing inability to verify my account. I now have a credit card account that I can't access and can't cancel until I get a letter that might honestly never arrive. I do not understand such measures, as no such verification was required to open the account in the first place.

I simply want to close my account as Citibank has repeatedly failed to deliver the card that I signed up for.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: OK

Complaint narrative:
My name is XXXX XXXX I had a XXXX 'XXXX  XXXX membership. I canceled the membership many months ago. They are seeking {$350.00} through the collection company of First Credit Services. My membership was canceled in writing via email like they asked me to do. I never owed anything. I tried explaining this to their collection team and they wouldn't hear it. I still have the e-mail to them showing I canceled it prior to any fees. They are using First Credit Services to try to collect a debt I don't owe. XXXX 'XXXX  XXXX  would send a no reply email alerting me of these fees. It shouldn't be legal to use these no reply emails, because it left me no avenue to explain the earlier email sent showing cancellation prior to any fees. The reality is, they don't want to hear from customers, it is a ploy to try to get them into collections. 

First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number XXXX My email is XXXX My phone number is XXXX. I want to launch a complaint against both XXXX 'XXXX XXXX and their collection arm First Credit Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I spoke with XXXX XXXX from Wells Fargo customer advocacy support team to resolve a complaint case ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX that complaint ID number has not been satisfied but it was closed without my permission nor have I received any information on it being closed I requested a check dated XXXX XXXX have a stop payment on it and be reissued Wells Fargo has still not done that as of yet they created another case claim number to delay the claim Wells Fargo employee XXXX XXXX has also decline to put a stop payment check on the check they did XXXX XXXX and have it reissued Wells Fargo owes me money for holding my money without my permission in accounts ending in XXXX XXXX XXXX XXXX + XXXX and XXXX and 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 2020-10-26 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:
On XX/XX/2020 I send a certified letter requesting validation of inquiries on my credit file. I was sent a generic letter stating, that the requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as to proof of who was contacted and what information was obtained to verify the accounts was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of america is withholding my deposit causing me to have overdraft cost. And delaying time for me to pay my taxes and buying materials for work

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 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Personal loans has me listed as being in default of a personal loan that was opened fraudulently and I did not apply for. 

It is a case of Identity Theft and I have never even lived at the address I'm which I supposedly applied. 

I would like Discover to provide me with ANY application for this loan in MY XXXX with a verified bank account in my name that could be linked to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CT

Complaint narrative:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly 100 points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, 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 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. 
With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

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 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I disputed an alleged debt with National Credit Adjusters to all three credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate how the alleged debt was verified on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of what the alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number. 

However, as of XX/XX/2020 I have not received a response or validation of the alleged debt from National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: IL

Complaint narrative:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent a document to Transunion requesting verification of several accounts on my credit report which I feel are being reported inaccurately. 
Since that time, I have sent 3 additional letters requesting that they verify the debt they are reporting, which they still have failed to do. 
Because they refuse to provide the required information, please direct Transunion to promptly remove these unverified items from my credit report. 
I have attached copies of all letters sent. 
Thank you very much for your help.

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 2020-10-26 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: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
I submitted a payment of {$2100.00} on XX/XX/XXXX and spoke to representative XXXX. She waived {$100.00} in late fees which brings my balance to {$0.00}. 
Today XX/XX/XXXX it is showing on my credit reports that I owe {$100.00} and that there is also a late payment for XXXX. 
I called and requested for them to update reporting/account and they advised I would have to send in a dispute which can take up to 60-90 days. 
I escalated to a supervisor who was the least bit of helpful and lacked empathy for her companies mistakes. I do not feel as a consumer I should jump hurdles to resolve an issue that this company did themselves.

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I own my house, but the mortgage is in my deceased step-father 's name. I have always paid it, but LoanCare, claims I missed payments ( I have proof I did not ) and they now refuse to accept my payments. I had a lawyer contact them, but they did not respond. I am afraid my house will go into foreclousure and they refuse to talk to me or give any information. I am elderly and I need assistance.

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 2020-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: KEYCORP
State: WI

Complaint narrative:
My daughter was denied credit by Key Bank National Association on XX/XX/20. She had applied to payoff an existing student loan with another lender. The amount of the loan was for {$33000.00}. The only reason cited for adverse action was due to her debt to income. 

Key Bank allowed her to reapply by adding a cosigner, so I applied with her. On XX/XX/20, the application was denied due to her employment time ; though the denial letter stated she did not meet the program requirements, they were referring to her job time. 

Her disclosed credit score was XXXX and mine was XXXX. I have ample employment time and very low debt obligations. I should have been considered as a a well qualified cosigner. 

My complaint is why did this company allow her to reapply with a cosigner but to only deny us for a different reason related to her. I feel like I was given no consideration for this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: PA

Complaint narrative:
Hello, and I hope all is well. Fed Loan Servicing continues to furnish repeatedly with the same account number XXXX with multiple late-payments. Due to the abundance of identical accounts, these actions from the credit reporting agencies caused a major decline in my overall credit and creditworthiness. Requesting one account with the overall amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 received email notification from my credit monitoring service that there was a change to my Capital One account. After reviewing the alert, which showed that the account was closed by the creditor. XX/XX/2020 at XXXX XXXX  CST, I received my call back from Capital One with my spouse. The representative informed me that the account was closed on XX/XX/2020 due to inactivity. They informed us that they sent a letter back in middle XXXX requesting more information. We informed the representative that we did not receive any communication via letter or email. My spouse informed the representative that we sent in payment for the annual fee back on XX/XX/2020 and since they are not providing us with a year of service then we should get a refund. We also lost several XXXX  dollars in points from this account. Representative informed me that since the account is closed they are not able to refund the annual fee or money back from the points we had on the account. My spouse requested a supervisor who in turn said the same thing and transferred the call over the fraud specialist who also said there was nothing they can do since the account was closed. They did not explain to me why the account was classified as inactive, especially since I made payment to charges that I had made on the account back in XXXX of XXXX  and then the annual fee payment I did in XX/XX/2020.

Company response to consumer: Closed with monetary relief