vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
My mortgage loan transferred to Rocket Mortgage on or about XX/XX/2022. As part of their intake process, they reviewed my loan to see if I was getting the best rate and an agent ( XXXX XXXX ) called me to see if he could interest me in refinancing options. I told him from the beginning I was not looking to refinance but he said he could pull the numbers and see what they may be able to offer. I told him that if he wanted to pull together some numbers that I'd be happy to take a look, but I had other things going on and wouldn't be refinancing at this time. He pulled things together and I told him I would think it over and get back to him. I found out 3 days later on XX/XX/2022 that he pulled my credit. I called Rocket Mortgage customer service and was escalated to a XXXX XXXX ( XXXX XXXX ). She said that she would review things and get back to me which she did. She claimed that she had reviewed the recording of the initial conversation and XXXX told me he had to " review my credit report and verify personal information '' and I agreed. 1 ) He never said that to me 2 ) I never agreed to that and 3 ) even *if* he had said that, what does that involve? He has the obligation to make it clear and get express authorization for my credit to be pulled. He didn't! I've done this process of " running the numbers '' with loans many many times and never has it involved pulling my official credit report. That comes during the next step of to actually applying for the loan. 
I called back and asked to review the recording and was that I wasn't allowed to, that recordings are used only for training purposes and were proprietary to Rocket Mortgage. All she would tell me is that shes authorized to speak on behalf of the company and their legal team and they trust her decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-22 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: MD

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be removed accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have an account with PACIFICUNION with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I was out of work for about 4-5 months after we had a suicide in our family. An account was compromised, we have an enormous amount of grief regarding a young family member and One Main Financial repeatedly calls me all day long thru different numbers! It has added to my already increased stress level and I want it to stop as I head back to work and figure out how to pay them off. I lived off what I had made in the previous months. I have a daughter in therapy due to XXXX XXXX XXXXy over the event and am headed to therapy myself. I am sick of the ROBO calls. I advise anyone never use them for a home improvement loan or any type of loan. You will regret it. When I get out of this debt to them : I will be an advocate of why not to incur this type of debt. It's just not worth it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 83,000 USD was transferred from my wallet utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Block, Inc.
State: TX

Complaint narrative:
I have a Cash App account. Yesterday I noticed there were two unauthorized electronic funds transfers/ach out of my account. Each transaction was for {$10.00} from XXXX XXXX. I have never done business with a XXXX XXXX. I search for which merchant it could be and a I could find was XXXX XXXX, which is a gym. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  since I had surgery several weeks ago. So I have no way to go to a gym. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize any transaction to XXXX XXXX. The company told me they will keep taking out of my checking account and theres a huge annual fee to be taken out via electronic funds transfer. I never authorized this or did business with XXXX XXXX. When I contacted cash app they refused to help me. They said I have to deal with XXXX XXXX. Problem is that when I give XXXX XXXX my name and date of birth they have no member with my name, so they cant help me. This is even more proof that Im the victim of an unauthorized electronic funds transfer. Cash App is violating federal law by refusing to address the unauthorized ach. They wont even let me fill out a form, nor will they block XXXX XXXXXXXX from future unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
I called XXXX XXXX a week ago, XX/XX/XXXX, and somehow got through to speak to a live person, which today I have not been able to do. I sold a home in XXXX, and they are showing the mortgage as Open with a zero balance. I am trying to rent a Section 8 senior apartment, and HUD is accusing me of misrepresenting my assets and potential liabilities, which is holding up the entire application. This is the letter I sent to them this morning through their contact page. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This debt collector has not been in compliance with the air debt collection practices act, fair credit reporting act, and Gramm Leach Bliley Act. I have disputed this alleged debt that was unlawfully transferred to this company 's office with out my consent resulting in aggravated identity theft. This company has not provided proof that their is any trilateral agreement in place that I consent to that gives them the authority to collect on this alleged debt. Further more this company has been harassing 's me causing financial injury to me, damaging my character by placing this alleged debt on my consumer report and causing mental damage to me the consumer in fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
money market and checking acocunt opened in my name I did not open these accounts TD Bank Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank closed my account with out my knowledge. I have never have a negative balance or over withdrawn since I had chase bank! Called to ask why and to dispute their action and they would give me no reason! Now I have to wait 10 business days for a check to be mailed and all my accounts with my bank info have to be changed! Im furious!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: IN

Complaint narrative:
I sent two letters to Experian to have incorrect information verified and removed they refuse to acknowledge my request by sending letters stating I did not provide sufficient identification for them to verify my identity. I submitted with my request twice, life insurance documents, current bank statements and Valid driver license.

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 2022-02-22 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: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1.. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

2..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

6..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

10..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

11..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

12..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

13..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

14..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-02-22 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: TN

Complaint narrative:
PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
In XX/XX/XXXX Money Source bought my loan. I mailed my first payment and did so consecutively for the next 10 months. In XX/XX/XXXX, Money Source wrongfully reported me to the credit bureaus. In XX/XX/XXXX, I received a letter from Money Source indicating I was one month past due. I reached out to Money Source immediately by phone, calling up to four times a day without getting through and extensive wait period. I have proof of my payments to Money Source. I reached out to the XXXXXXXX XXXX  XXXX Program Manager. As of date its been no real dialog and still no monthly payment history sent from XXXX. In good faith I sent my monthly payment in XX/XX/XXXX of {$3000.00} to only have the check returned with a letter stating due to the foreclosure status they can not accept it. No other options of repayment was offered. XX/XX/XXXX I wrote a letter to XXXX XXXX, at XXXX XXXX XXXX Attorney at XXXX. I requested a copy of payment history and informed them that my mortgage payments were misapplied. The reporting of fraudulent/incorrect information to the credit bureau XXXX XXXX has hurt my credit worthiness. It seems like the accounting and numbers are not in line. From day one Money Source Inc. just did not feel right. ( Note this all happened within 6 months into XXXX buying loan ) ( see documents attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: PR

Complaint narrative:
As well all know, Borinquen Title Loans ( BTS ) is a company that provides secured loans where borrowers can use their vehicle title as collateral. Borrowers who get title loans must temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. When the loan is repaid the vehicle title must be returned to its owner. At the time I signed the contract, I was told that mailing the vehicle title would be option for me to get back said title. For my surprise, once I repaid the loan, I called BTS and I was told that I no longer have the option to get the vehicle title back by mail. As a result, I am prevented or, at minimum, limited in obtaining my vehicle title in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My partner and I deposited a check into TD Bank - a branch in XXXX, XXXX XXXX ( we opened the account in XXXX XXXX, XXXX XXXX, XXXX NY during summer 2021 ) on Friday, XXXX XXXX. The bank teller said the check would clear on the upcoming Monday the XXXX. The check never cleared. We were able to use almost {$100.00} at a diner called XXXX after the deposit on Friday the XXXX. The funds were no longer made available to us after we used the money and we were supposed to have {$100.00} available. I contacted the bank teller after Monday and they told me that since it was the first check I deposited it will take more time to clear especially since XXXX XXXX was a holiday. I dont know about it being the first time because my partner said he may have deposited a check. We have both had direct deposits made into the account. In any case the bank has not allotted my partners funds to him. We have a joint account so we also have access to each others info. I also must note that logging into my TD account has been very difficult there have been times where I can not log in no matter what I do- same for my partner ( to the online portal ). I have had to set up voice recognition and had to go in person more than once to verify my identity. I have had to change my address on file more than once as well because they had an address we did not give them on file as it was an old address. It is now one week later and our funds have not been made available to us. We also deposited this check from my partners lawyer in the amount of over $ XXXX which is equivalent to perhaps a person who is a doctor or another position of that nature. My partner called TD today ( XXXX ) and they stated that the funds would be available at XXXX or XXXX. It is now XXXX am and no funds and we owe a vet bill. I made an appointment thinking that the funds would be available by now. I want to close this account down after we receive and use this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I made a payment to XXXX XXXX on XX/XX/22. On XX/XX/22 XXXX XXXX transferred my loan to Aidvantage. On XX/XX/22 the XXXX debit cleared my checking account. As of XX/XX/22, the payment is not recorded on my Aidvantage account. I contacted XXXX XXXX and they said that they transferred all funds to Aidvantage and I called Aidvantage and they said that the payment may take 30 more days to credit to my account. It is not my fault that the portfolio was transferred and I find it unconscionable that my payment has not posted after more than 3 weeks of it coming out of my deposit account. And if after 8 weeks Aidvantage can't locate the money, retracing a transaction that occurred 8 weeks prior at another servicer will be very difficult. I want the payment applied to my loan or returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MD

Complaint narrative:
I am name is XXXX XXXX XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

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 2022-02-22 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation